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      <image:title>Refinance - Looking to Refinance Your Current Mortgage?</image:title>
      <image:caption>We can help you with the following: Lower your monthly payments Eliminate mortgage insurance Pay off your mortgage in less time Save money on interest charges over the life of your loan Pull cash out to pay off other debts Pull cash out to make home improvements</image:caption>
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    <loc>https://homeloanswithbree.com/firstrate-contest</loc>
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    <loc>https://homeloanswithbree.com/first-time-home-buyer</loc>
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      <image:title>First Time Home Buyer - Mortgage Pre-approval is a Must!</image:title>
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    <loc>https://homeloanswithbree.com/va-loans</loc>
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      <image:title>Home - MOVE UP BUYER</image:title>
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      <image:title>Home - REFINANCE</image:title>
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      <image:title>Home - TIPS FOR A SMOOTH LOAN PROCESS</image:title>
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      <image:title>Home - FIRST TIME HOME BUYER</image:title>
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      <image:title>Home - VA LOANS</image:title>
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      <image:title>Home - Click Here To Start Your Application Process</image:title>
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      <image:title>Home - INCOME PROPERTY</image:title>
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      <image:title>Home</image:title>
      <image:caption>Keep in Touch!</image:caption>
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    <loc>https://homeloanswithbree.com/move-up-buyers</loc>
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    <loc>https://homeloanswithbree.com/about</loc>
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    <lastmod>2025-04-08</lastmod>
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      <image:title>About - Bree Brophy Bieber</image:title>
      <image:caption>Mortgage Broker Bree joined First Rate Financial in 2021 with 18 years of experience in corporate sales and marketing. She brings expertise in relationship marketing, problem-solving, and strategic thinking to her role as a Loan Officer. Her passion is helping borrowers achieve financial success, no matter their situation. Bree is dedicated to guiding clients through every step of the mortgage process, whether purchasing a new home or refinancing. She ensures they feel comfortable and supported from application to closing and is committed to helping families achieve homeownership. Licensed in both Alaska and Colorado, Bree is excited to serve clients in these beautiful states. An Alaska native, she enjoys spending time with her husband and three children, traveling, camping, and participating in community events. She holds a bachelor’s degree in Business Administration and Marketing from the University of Nevada and is a Level 1 Wine Sommelier. Bree is honored to help you reach your homeownership goals in Alaska and Colorado! Achievements Affiliate of the Year – Anchorage Board of Realtors 2024 Designation of Certified Full-Service Professional (CFSP) – Buffini &amp; Co. 2024</image:caption>
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