<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.ratezip.com/videos</loc>
  <video:video>
    <video:thumbnail_loc>https://i3.ytimg.com/vi/RSCPJ-UZips/hqdefault.jpg</video:thumbnail_loc>
    <video:title>The VA Benefit Is Reusable #shorts</video:title>
    <video:description>The most expensive VA loan myth is that you already used yours. The benefit is reusable.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/RSCPJ-UZips</video:player_loc>
    <video:publication_date>2026-09-06T19:27:14+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/E7pJQ4daaic/hqdefault.jpg</video:thumbnail_loc>
    <video:title>VA Loan Myths That Cost Veterans Money | RateZip</video:title>
    <video:description>The most expensive VA loan myth is that you already used yours. The benefit is reusable, and people leave it on the table every year over things that were…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/E7pJQ4daaic</video:player_loc>
    <video:publication_date>2026-09-06T19:26:58+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i1.ytimg.com/vi/TYi44AmTnNQ/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Checking Your Own Credit Score Is a Soft Inquiry #shorts</video:title>
    <video:description>Checking your own credit score is a soft inquiry, and soft inquiries do not lower your number.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/TYi44AmTnNQ</video:player_loc>
    <video:publication_date>2026-09-05T17:33:28+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i4.ytimg.com/vi/GYqSmj4jw9U/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Does Checking Your Credit Score Lower It? | RateZip</video:title>
    <video:description>Checking your own credit score does not lower it. When you look up your own score or pull your own report, the bureaus record it as a soft inquiry, and…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/GYqSmj4jw9U</video:player_loc>
    <video:publication_date>2026-09-05T17:30:03+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/yVAnfpY3aCA/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Why a Small APY Gap Is Not Small</video:title>
    <video:description>Two savings accounts, one paying a little more than the other, do not stay a little apart.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/yVAnfpY3aCA</video:player_loc>
    <video:publication_date>2026-08-27T15:09:20+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/yXLFcBN7zAg/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Why a Small APY Gap Is Not Small</video:title>
    <video:description>Two savings accounts, one paying a little more than the other, do not stay a little apart.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/yXLFcBN7zAg</video:player_loc>
    <video:publication_date>2026-08-27T15:09:09+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/ulOMIUH6c40/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Reverse Mortgages Explained in 60 Seconds #Shorts</video:title>
    <video:description>Reverse mortgages explained in 60 seconds. Educational only, not financial advice.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/ulOMIUH6c40</video:player_loc>
    <video:publication_date>2026-08-23T13:10:51+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/9JYKo-Ryqng/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Reverse Mortgages Explained in 60 Seconds | RateZip</video:title>
    <video:description>Reverse mortgages can let eligible homeowners age 62 and older turn part of their home equity into cash without a required monthly mortgage payment.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/9JYKo-Ryqng</video:player_loc>
    <video:publication_date>2026-08-23T13:10:40+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i1.ytimg.com/vi/t1gaOPqOdDw/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Mortgage Rate vs APR in 2 Minutes #shorts</video:title>
    <video:description>The mortgage rate sets the payment. APR helps show the fees behind the quote. Compare APRs only across the same loan type and term.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/t1gaOPqOdDw</video:player_loc>
    <video:publication_date>2026-08-14T15:14:18+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i1.ytimg.com/vi/dY2Lazqm6OM/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Mortgage Rate vs APR: Which Number Should You Compare? | RateZip</video:title>
    <video:description>A low mortgage rate can still be attached to an expensive loan. APR helps reveal the fees behind the quote, so it is often the better number for comparing…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/dY2Lazqm6OM</video:player_loc>
    <video:publication_date>2026-08-14T15:14:00+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/1_gl6MMnIZc/hqdefault.jpg</video:thumbnail_loc>
    <video:title>The Refinance Break-Even Test #shorts</video:title>
    <video:description>Before you refinance, run the break-even test: closing costs divided by monthly savings.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/1_gl6MMnIZc</video:player_loc>
    <video:publication_date>2026-08-14T13:11:19+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/QifLfxBtpBI/hqdefault.jpg</video:thumbnail_loc>
    <video:title>When Does Refinancing Actually Save Money? | RateZip</video:title>
    <video:description>A lower mortgage rate is not automatically a good refinance. The break-even test is simple: total closing costs divided by monthly savings equals the…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/QifLfxBtpBI</video:player_loc>
    <video:publication_date>2026-08-14T13:11:13+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i3.ytimg.com/vi/FTq3DZZHAeY/hqdefault.jpg</video:thumbnail_loc>
    <video:title>The 3-Page Form That Kills Bad Mortgages</video:title>
    <video:description>Federal law gives borrowers a standardized Loan Estimate no later than the third business day after application, and a Closing Disclosure at least three…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/FTq3DZZHAeY</video:player_loc>
    <video:publication_date>2026-08-08T23:00:45+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i1.ytimg.com/vi/8ElQNA_7Vt0/hqdefault.jpg</video:thumbnail_loc>
    <video:title>The 3-Page Form That Kills Bad Mortgages</video:title>
    <video:description>Federal law gives borrowers a standardized Loan Estimate no later than the third business day after application, and a Closing Disclosure at least three…</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/8ElQNA_7Vt0</video:player_loc>
    <video:publication_date>2026-08-08T23:00:42+00:00</video:publication_date>
  </video:video>
  <video:video>
    <video:thumbnail_loc>https://i2.ytimg.com/vi/UPEXCjLx0fA/hqdefault.jpg</video:thumbnail_loc>
    <video:title>Where to Park Cash: Savings, CDs, Money Markets, and T-Bills</video:title>
    <video:description>If your savings is sitting at a big national bank, you may be earning almost nothing on money that could be working harder.</video:description>
    <video:player_loc>https://www.youtube-nocookie.com/embed/UPEXCjLx0fA</video:player_loc>
    <video:publication_date>2026-08-08T23:00:33+00:00</video:publication_date>
  </video:video>
  </url>
</urlset>
