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      <image:title>Blog - How to Negotiate a 4% Mortgage in a 6% Market - Make it stand out</image:title>
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      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - Iconic Wreath</image:title>
      <image:caption>There’s something truly special about a wreath on your front door. It’s more than just decoration; it’s the first welcome your home offers, a quiet hint of the warmth and style waiting inside. Even if you do nothing else this season, hanging a simple, beautiful wreath sets an inviting and intentional tone for all who enter. It’s the effortless touch that says, “Come on in… it’s cozy in here.” Our DIY Dried Grass Wreath is the perfect place to start. Made with natural textures and soft neutral tones, it brings just the right amount of rustic elegance to your entry. No loud colors or fuss required!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/7cd3a245-180d-4e4d-a514-4f347d9c4587/Screenshot+2025-10-15+113557.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - Neutral &amp; Natural Porch Accents</image:title>
      <image:caption>You don’t need a grand porch to make a beautiful first impression. In fact, some of the coziest welcomes happen in the smallest spaces. The key to a timeless Fall porch is leaning into a neutral palette and organic textures: think woven rattan, rustic wood tones, and humble pumpkins in creamy white and sage green, and the gentle glow of lantern light. It’s all about creating a feeling of relaxed warmth that invites pause, not a parade of seasonal clutter. For a porch that feels effortlessly elegant and intentionally cozy, less truly is more.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/916e7adc-136d-4b9e-9a80-894eb0afff48/Screenshot+2025-10-15+113800.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - Thrifted &amp; Textural Entryway Table</image:title>
      <image:caption>Your entryway table is the first glimpse of your home’s story; so let it whisper a cozy, collected tale. You don’t need new decor to create a beautiful moment. This vignette is built almost entirely from secondhand treasures and natural finds, proving that style is about curation, not cost. Stack old books for height, lean a timeless landscape painting in a thrifted frame, and anchor it all with a vase of tall, preserved leaves for that perfect touch of organic elegance. A few dried flowers and feathers add softness and movement, while a simple green plant breathes life into the arrangement. It’s layered, personal, and full of soul-without a single trip to the home decor store!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/e0103e34-2da1-466c-b9bf-97f5a2b87be7/Screenshot+2025-10-15+114042.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - The Textural Mantelscape</image:title>
      <image:caption>The mantel is the heart of a cozy living room, and for Fall, I believe in building depth and interest through texture, not just color. Forget themed decor; the goal is to create a sophisticated, layered look that feels organic and inviting. This means mixing materials like warm wood, weathered metals, and delicate dried botanicals for a display that’s both elegant and effortless. I kept the palette neutral but played with heights, shapes, and finishes to achieve a look that’s visually rich yet perfectly calm. From a rustic lantern to ceramic pumpkin and airy grasses, every piece works together to create a mantle that feels collected over time, not bought in a day.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/f1dffea0-7da4-4f2e-94ed-bf581fd92aa2/Screenshot+2025-10-15+114204.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - The Effortlessly Cozy Throw</image:title>
      <image:caption>Sometimes, the simplest touch makes the biggest impact. Draping a soft, textural throw over your sofa or armchair isn’t just a decor choice; it’s an invitation to slow down, get comfortable, and savor the season. Choose throws in calming, neutral tones like cream, oatmeal, or soft grey to enhance that serene autumn atmosphere. Whether it’s chunky knit, faux fur, or a beloved well-worn blanket, this one easy addition brings instant warmth and lived-in charm to your living space.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/4e65ec15-bbf7-4c60-8a60-3b214a5105a6/Screenshot+2025-10-15+114346.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - A Foraged Centerpiece</image:title>
      <image:caption>Some of my all-time favorite Fall displays cost absolutely nothing,because I foraged them myself! There’s something so special about bringing a little bit of the outdoors inside to celebrate the season. For an easy yet dramatic centerpiece, simply gather a few colorful fallen branches and place them in a tall vase. Want to keep things even simpler? I filled this humble dough bowl with pinecones collected from my backyard. If you don’t have pinecones nearby, a bag from the craft store works beautifully and is still incredibly affordable. The best part? This natural centerpiece isn’t just for fall. Those pinecones can easily transition straight into winter decor, making it the ultimate sustainable and stunning two-for-one deal!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/0ce50826-dd3f-41d9-adad-de75efb61a20/Screenshot+2025-10-15+114609.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - The Magic of White Pumpkins</image:title>
      <image:caption>If there’s one secret weapon in neutral fall decorating, it’s the white pumpkin. Elegant, versatile, and effortlessly chic, they bring that quintessential Autumn feeling without any of the visual noise. Unlike their orange counterparts, white pumpkins work with any color palette and can transition seamlessly from early fall through Thanksgiving. Cluster them on your porch, line them along your staircase, or use a single miniature one as a place setting. Their soft, creamy hue adds a touch of sophistication wherever they go.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/d234d76c-fe07-4442-a40c-c7d744d02085/Screenshot+2025-10-15+114724.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - A Dried Botanicals Vignette</image:title>
      <image:caption>There’s a quiet, timeless beauty in dried botanicals that fresh flowers simply can’t replicate. They bring texture, movement, and a touch of rustic elegance to any corner of your home. Whether it’s a single stem of pampas grass in a vintage jug or a mixed arrangement of wheat and dried hydrangeas on a shelf, these elements add height and organic interest without any upkeep. I love styling them in forgotten corners—on a bookshelf, beside a favorite frame, or atop a cabinet to draw the eye upward and weave nature’s gentle charm throughout my home.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/f13b76fa-b445-476d-84e2-81565f2dc535/Screenshot+2025-10-15+115054.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - A Simple &amp; Soulful Coffee Station</image:title>
      <image:caption>Turn your daily coffee ritual into a moment of seasonal cozy. You don’t need a full kitchen makeover; just a small tray or corner of the counter can become an intentional, inviting spot. Style with cutting boards, baskets, or a small framed print. A vase with dried stems (like wheat or preserved leaves) and/or a houseplant. Add a small pumpkin candle for a subtle scent of Fall. It’s a small touch that makes everyday moments feel special and serene.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/7642fd97-ad8c-43bb-9944-1484ff780b31/Screenshot+2025-10-15+115248.png</image:loc>
      <image:title>Blog - 10+ Neutral Fall Decor Ideas for a Calm &amp;amp; Cozy Home - An Elegant Neutral Tablescape</image:title>
      <image:caption>When it comes to Fall everyday living, I believe in setting a scene that feels both special and serene, no matter what size your dining space is! This tablescape proves you can celebrate the season with sophistication, using a palette inspired by nature itself. Think tactile linens, organic shapes, and soft, muted tones that invite conversation and connection.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.liztheloanlady.com/blog/popular-thanksgiving-dinner</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/7512522f-eefd-4649-84ec-e27100adfdae/ar-80525-slow-cooker-ham-ddmfs-beauty-127-7b84d0d5589c415f99d3da8fb1b3d8b8.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>When we think of Thanksgiving, we think of a beautiful, roasted turkey at the center of the table as our main dish. But does it have to be that way? If turkey’s not your thing, if you want to go plant-forward this holiday, or you’re simply in the mood to try something different, we’ve rounded up our 5 most popular main dishes for Thanksgiving that are turkey free. Who knows? One of these recipes might lead to a whole new Thanksgiving family tradition!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/1aa30f28-06c4-49c1-89d6-5d4a41d31866/ham+2.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>Turkey usually steals the show at Thanksgiving, but this slow cooker ham recipe with an average rating of 4.6 stars is so hands off, you might not be able to resist. The recipe only requires two ingredients, brown sugar and a picnic ham. “Easy way to free up the oven at holidays”</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/395a23ca-440d-47a9-bc8e-5038e723c0dc/Screenshot+2025-10-15+100701.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>This recipe is a great option if you’re celebrating with a smaller crowd. Cornish game hens are often sold individually and are generally single serving, so you can buy as many (or as few) as you need. The aromatic combination of garlic, fresh rosemary, and lemon tastes delicious and pairs well with traditional Thanksgiving sides.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/5fc31457-be97-4e95-9359-fb6292afd6e3/Screenshot+2025-10-15+100836.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>Packed with flavor (and cheese!), this spaghetti squash dish is a vegetarian main that will impress even the pickiest meat-eaters. The squash roasts until tender and then the noodle-like pulp is scooped out and mixed with a savory combination of vegetables and feta. As a variation, some cooks recommend substituting mozzarella or Parmesan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/0eed8a4a-99bb-428d-8a1f-cdfbaeb063d9/Screenshot+2025-10-15+101130.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>For something completely different, this versatile egg casserole recipe can be a unique Thanksgiving main dish. It’s easy to swap in ingredients depending on your guests’ preferences and what you have on hand and it’s ready in 30 minutes, giving you plenty of time to actually enjoy the day.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/a2c1c6de-262d-4d2c-ac9d-ba43eb2f7f11/Screenshot+2025-10-15+102129.png</image:loc>
      <image:title>Blog - Popular Thanksgiving Dinner - Make it stand out</image:title>
      <image:caption>If you want to stick with a poultry dish, give this roasted duck recipe a try. This recipe is the best way to cook a whole duck… And so simple! It was a big hit for our Christmas dinner this year. Best of all, the recipe only calls for a handful of ingredients and is perfectly cooked in just about two hours.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.liztheloanlady.com/blog/usda-loan</loc>
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    <lastmod>2023-07-25</lastmod>
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  <url>
    <loc>https://www.liztheloanlady.com/blog/mobile-or-manufactured-home-loan</loc>
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    <lastmod>2023-07-19</lastmod>
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  <url>
    <loc>https://www.liztheloanlady.com/blog/qbhc6gvn58fg9qdwrjlkrnm185lclu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/dd519752-f0ec-4dfc-a967-47f72ec2eeef/image.png</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/ec74e3a2-654b-438c-a333-d7e3d57e3dc2/image+%281%29.png</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/b2e8b2e4-3c7e-462b-9f89-91af8810deb2/image+%282%29.png</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/8b478094-90bf-4585-960a-ed00a66a5e84/image+%284%29.png</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/77a7ad3b-2828-4a11-91d4-71dbc28e545f/2265B582-0E1E-4208-880B-0D5B01EFD08A_bpcw51.jpg</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/eb1aa162-98af-4605-beac-f61609898a57/image+%283%29.jpg</image:loc>
      <image:title>Blog - DIY Projects to Add Whimsy to Your Home Decor - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.liztheloanlady.com/blog/adu-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
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  <url>
    <loc>https://www.liztheloanlady.com/blog/va-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-05</lastmod>
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  <url>
    <loc>https://www.liztheloanlady.com/blog/34p3c77q60jjwpm9tk05fh02971zmt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/8ec64770-aa89-4a6b-bea3-ccc8a989f6e3/Screenshot+2023-07-01+175015.png</image:loc>
      <image:title>Blog - 4th of July - 1. Cozy Louge Areas:</image:title>
      <image:caption>Create comfortable and cozy lounge areas where you can unwind and enjoy the fresh air. Consider adding hammocks, outdoor sofas, and lounge chairs with plush cushions. Don't forget to include side tables for drinks and snacks. String some fairy lights or install outdoor lanterns to create a warm and inviting ambiance during the evenings.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/cf97ef75-4446-460d-a02c-bd5f7202c47b/Screenshot+2023-07-01+175323.jpg</image:loc>
      <image:title>Blog - 4th of July - 2. Outdoor Dining Delight:</image:title>
      <image:caption>Turn your backyard into a charming dining space for al fresco meals. Set up a dining table and chairs, preferably with weather resistant materials. Add a pop of color with vibrant tablecloths, cushions, or outdoor rugs. Enhance the dining experience by incorporating a barbecue grill or a pizza oven for delicious outdoor cooking. Consider building a pergola or installing a retractable awning to provide shade during sunny days.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/6927b21c-52b9-4ba7-a927-291ebd2573c2/Screenshot+2023-07-01+175113.png</image:loc>
      <image:title>Blog - 4th of July - 3. Garden Oasis:</image:title>
      <image:caption>Transform your backyard into a serene garden oasis. Surround yourself with beautiful plants, flowers, and greenery. Designate specific areas for different purposes, such as a flower garden, a vegetable patch, or a herb garden. Add a water feature like a small fountain or a pond to create a soothing atmosphere. Install comfortable seating areas where you can relax and enjoy the beauty of nature.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/56adc644-1e03-4b43-b5c8-0e1ff9b0f422/Screenshot+2023-07-01+175135.png</image:loc>
      <image:title>Blog - 4th of July - 4. Playful Entertainment Zone:</image:title>
      <image:caption>If you have children or enjoy entertaining guests, create a playful entertainment zone in your backyard. Set up a swing set, a trampoline, or a playhouse for kids. Consider adding a mini-golf course, a bocce ball court, or a horseshoe pit for outdoor fun with friends and family. Don't forget to provide ample shade and seating options for spectators.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/3a04af21-e0b0-4d28-bf48-5850f1ad9492/Screenshot+2023-07-01+175157.png</image:loc>
      <image:title>Blog - 4th of July - 5. Outdoor Kitchen and Bar:</image:title>
      <image:caption>Take your backyard gatherings to the next level with an outdoor kitchen and bar. Install a built-in grill, a sink, and countertops for food preparation. Add a mini-fridge, a wine cooler, or a kegerator to keep your beverages cool. Incorporate a bar counter with stools for a cozy and inviting social space. Don't forget to install proper lighting for evening entertainment.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/645566f99ad30d7e783ca208/ca258190-716a-45c3-9ccb-7da5f381b8ab/Screenshot+2023-07-01+175219.png</image:loc>
      <image:title>Blog - 4th of July - 6.. Nature-Inspired Retreat:</image:title>
      <image:caption>Bring the serenity of nature into your backyard by creating a nature-inspired retreat. Incorporate natural elements such as a water feature, a zen garden, or a meditation corner. Add comfortable seating like Adirondack chairs or a rustic wooden bench. Surround the area with lush plants, flowers, and aromatic herbs to create a tranquil and peaceful space.</image:caption>
    </image:image>
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    <lastmod>2023-06-30</lastmod>
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    <lastmod>2023-06-30</lastmod>
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    <lastmod>2023-06-30</lastmod>
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