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      <image:title>Annual Report - MHP Financials 2025 - 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>
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      <image:title>Annual Report - MHP Financials 2025 - 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>
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      <image:title>Annual Report - MHP Financials 2025 - 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>
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      <image:title>Annual Report - MHP Financials 2025 - 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>
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    <loc>https://www.mhpannualreport.net/annual-report/mhp-financials-2024</loc>
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    <lastmod>2025-10-16</lastmod>
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      <image:title>Annual Report - MHP Financials 2024 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/417ddfac-01c5-4653-9fb5-69ec3015b01f/3-MHP-GRANTS.jpg</image:loc>
      <image:title>Annual Report - MHP Financials 2024 - 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>
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    <image:image>
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      <image:title>Annual Report - MHP Financials 2024 - 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/v1/643455fc78f7692e93c99927/0a9196dc-e1e8-4981-80e0-86cd8912320f/revenue.jpg</image:loc>
      <image:title>Annual Report - MHP Financials 2024 - 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>
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  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/central-mass-western-mass-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760015206758-2W0L34TP219GKAEZDI1V/13_Mill8_exterior_Ludlow_111824.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Ludlow: Mill 8 Apartments</image:title>
      <image:caption>Sponsor: Winn Properties Details: The adaptive reuse of a mill reuse totaling 95 units with 55 units affordable to HH earning less than 60% AMI. MHP Loan: $2.5 million</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760015544970-MOE4E73NTRLURT6ELYYO/Screen+Shot+2025-10-09+at+9.11.58+AM.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Southbridge: Southbridge Mills</image:title>
      <image:caption>Sponsor: Winn Development Corporation Details: 48 affordable apartments MHP Loan: $2.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863959227-7DIW05JCL1214IGPN0Z6/CMass-WMass-Southbridge-Wells-School.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Southbridge: Wells School</image:title>
      <image:caption>Sponsor: Winn Development &amp; Arch Communities Details: 62 mixed-income apartments for seniors MHP loan: $400,000 Video: Resident thankful for much-needed housing</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760015888895-E0AKG09BMS6ZIM66LAE5/Screen%2BShot%2B2025-10-09%2Bat%2B9.17.27%2BAM.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Springfield: Knox Residences Phase I &amp;amp; II</image:title>
      <image:caption>Sponsor: First Resource Companies Details: 96 affordable apartments MHP Loans: $700K</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724864024876-20EB9M60OZMOW3HFDV3E/CW-Grand_Street_Commons_Worcester.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Worcester: Grand Street Commons</image:title>
      <image:caption>Sponsor: Main South Community Development Corporation Details: 48 affordable apartments MHP Loan: $3.5M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760015732068-UQ7OHE14F2MSTREJZZIM/14_District-120_exterior_Worcester_websitepic.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass · 2024 - Worcester: District 120</image:title>
      <image:caption>Sponsor: Tremont Development Partners Details: The redevelopment of a 1-acre site (previously owned by Table Talk Pie) into 83 affordable apartments. MHP Loan: $7.1M</image:caption>
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  <url>
    <loc>https://www.mhpannualreport.net/annual-report/se-mass-cape-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1723647465794-EA5XK011APA96NRCABAJ/SE-Brewster_Woods_Brewster-%281%29.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Brewster: Brewster Woods</image:title>
      <image:caption>Sponsor: Preservation of Affordable Housing, Inc. Details: 30 affordable apartments MHP Loan: $2.4M More: Used our green incentives</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425313084-YWVA0RF682EF341HRBHE/SE-MA-%26-Cape-Bridgewater_McElwain_School.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Bridgewater: McElwain School</image:title>
      <image:caption>Sponsor: Capstone Communities &amp; MPZ Development Details: 57 mixed-income apartments MHP loan: $5.3M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863700577-Z5RZYNPMLQBWIT80NO74/SE-Viva_Lakeshore_Bridgewater.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Bridgewater: VIVA Lakeshore</image:title>
      <image:caption>Sponsor: Claremont Companies Details: 300 mixed-income apartments MHP Loan: $4.9M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760014376090-1VO89J66RW9O41OE6IWU/9_Scranton-Main_front_Falmouth-Housing-Corp-website.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Falmouth: Scranton Main Senior Housing</image:title>
      <image:caption>Sponsor: Affirmative Investments Inc. Details: New construction of 48 apartments for seniors MHP Loan: $3,139,100</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863775351-3W48HXKDHTNQVIL3ZCIR/SE-Manomet_Place_Cliftex_New%2BBedford.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - New Bedford: Manomet Place Phase II</image:title>
      <image:caption>Sponsor: Winn Development Corporation Details: 71 affordable apartments for seniors MHP Loan: $1.25M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760014541184-SORPAZ9UF3ICL698Q7LR/10_Maple-on-Franklin_rendering_Holbrook.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Holbrook: Maple on Franklin (formerly known as Holbrook School)</image:title>
      <image:caption>Sponsor: NeighborWorks Housing Solutions, Inc. Details: 72 affordable apartments for seniors (2 units are designated for the Live In Responders) MHP Loan: $4.5M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760014605375-YWBOSD3V43R11B5G03T4/11_Glen-Brook-Way-Phase-II_exterior.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Medway: Glen Brook Way Phase II</image:title>
      <image:caption>Sponsor: Metro West Collaborative Development Details: 44 affordable apartments MHP Loan: $4.78M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1760014678677-2TQ5RUG9I1ENVKX0MN57/12_Simon-Fireman_solar-panels.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Randolph: Simon Fireman</image:title>
      <image:caption>Sponsor: Hebrew Senior Life Details: 45 affordable apartments for seniors MHP Loan: $5.4M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863808683-EZGJSE33153K3PXTHSMP/SE-Riverview_Meadows_III_Raynham.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Raynham: Riverview Meadows III</image:title>
      <image:caption>Sponsor: Douglas A. King Builders Details: 74 mixed-income apartments MHP Loan: $4M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863839963-91MC5QE4OFHZIB93RPE2/SE-Redtail_Crossing_Wrentham.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Wrentham: Redtail Crossing</image:title>
      <image:caption>Sponsor: DiPlacido Development Corp. Details: 38 mixed-income townhouse-style apartments MHP Loan: $11.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863852480-O1YB226G356OWRR116PB/SE-Yarmouth_Gardens_Yarmouth.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape · 2024 - Yarmouth: Yarmouth Gardens</image:title>
      <image:caption>Sponsor: Commonwealth Community Developers LLC Details: 40 affordable apartments MHP Loan: $3.3M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/north-west-of-boston-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1723645790657-25XAHLR6W1B98NDBTA51/Tavernier_Place_Acton.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Acton: Tavernier Place</image:title>
      <image:caption>Sponsor: Common Ground Inc. Details: 31 affordable apartments for seniors and people of all ages with disabilities MHP Loan: $2.35M More: Affordable homes named after local leader</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759944726796-3F1YI8W3O729LZ33MZAY/Screen%2BShot%2B2025-10-08%2Bat%2B1.30.57%2BPM.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Beverly: Anchor Point I</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: 38 affordable apartments MHP loan: $3.2M Twitter: Partners share magic moment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759944300059-XU10737GW9DL4ATD608Y/4_Carlson-Crossing-West_rendering.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Framingham: Carlson Crossing West</image:title>
      <image:caption>Sponsor: Framingham Housing Authority Details: The preservation and rehabilitation of 68 federal public housing apartments. MHP Loan: $14.3M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759945040814-ZGEWCIPAG04XSZJTQDP0/5_1180-Great-Plain-Avenue_Needham_Maloney-Properties.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Needham: 1180 Great Plain Avenue</image:title>
      <image:caption>Sponsor: Supreme Development Details: New construction of 16 mixed-income apartments MHP Loan: $5,439,000</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422969382-V42CZWTO5O4RVRN1VBEY/North-%26-West-of-Boston-Salem-Heights.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Salem: Salem Heights</image:title>
      <image:caption>Sponsor: Preservation of Affordable Housing Details: Preservation of 283 affordable apartments MHP loan: $32.1M More: Rehab includes green, digital upgrades</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863634750-MLNLFJBQ6WX2EYZJGOQI/The%2BLighthouses_Salem.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Salem: The Lighthouses</image:title>
      <image:caption>Sponsor: North Shore Community Development Coalition Details: 46 affordable apartments MHP Loan: $5.4M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759945120759-XY5MTO6ZTAVOEMHEOCAO/6_The-Point-at-Waltham_exterior_website.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Waltham: Point at Waltham</image:title>
      <image:caption>Sponsor: Pantzer Properties Details: New construction of 195 mixed-income apartments MHP Loan: $59.15M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759945136119-A39AYEH9BJHLM6RF1I7T/7_Leland-exterior_2Life-website.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Waltham: Leland House</image:title>
      <image:caption>Sponsor: 2Life Communities Details: New construction of 68 affordable apartments for seniors next door to the Waltham Senior Center. MHP Loan: $2.7M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759945148718-ND6AXNIW565J00A794YL/8_Maple-Woods_front-entrance2_Wenham_SVDesign-website.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston · 2024 - Wenham: Maple Woods</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: The new construction of 45 affordable apartments. MHP Loan: $2M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/multifamily-gallery-greater-boston-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724858130693-WT41PXETB4DD4JYP5BC2/15-25%2BHemenway%2BStreet_Fenway.jpg</image:loc>
      <image:title>Annual Report - Greater Boston · 2024 - Boston: 15-25 Hemenway</image:title>
      <image:caption>Sponsor: Fenway Forward Details: Preservation of 24 mixed-income apartments MHP Loan: $1.1M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759942968708-32X45NQ3M7P27IUG898D/2_Burbank-Terrace_9.10.25.jpg</image:loc>
      <image:title>Annual Report - Greater Boston · 2024 - Boston: Burbank Terrace</image:title>
      <image:caption>Sponsor: Fenway Forward Details: New construction of 27 affordable apartments; first development to proceed under Boston’s Compact Living Policy Pilot Program. MHP Loan: $3.92M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759943098467-ISDQ3CL2LB4DJQFPUN46/1_Carol-Ave-Apts_exterior_Brighton_ABCDC.jpg</image:loc>
      <image:title>Annual Report - Greater Boston · 2024 - Brighton: Carol Avenue Apartments</image:title>
      <image:caption>Sponsor: Allston Brighton CDC Details: Preservation of 33 affordable apartments MHP Loan: $4.7M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1759943198916-7U4KSYWTJ9P2ZYLYV1QH/3_Leyland-St.-Dorchester.jpg</image:loc>
      <image:title>Annual Report - Greater Boston · 2024 - Dorchester: Leyland Street</image:title>
      <image:caption>Sponsor: Dorchester Bay Economic Development Corp. &amp; Hebrew Senior Life Details: New construction of 43 affordable apartments for seniors MHP Loan: $3.795M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684347133237-EDRWGOWCMDCK6WH55W17/Gr.-Boston-Hyde-Park_The_Pryde.jpg</image:loc>
      <image:title>Annual Report - Greater Boston · 2024 - Hyde Park: The Pryde</image:title>
      <image:caption>Sponsor: Pennrose Details: 74 mixed-income apartments MHP loan: $6.7M commitment More: The Pryde Ribbon Cutting</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/message-from-mhp-leadership</loc>
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    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725022878984-CTG5TUOMORLAU0Z9MNXS/Clark-Ziegler-at-the-podium.jpg</image:loc>
      <image:title>Annual Report - Message from MHP Leadership - Make it stand out</image:title>
      <image:caption>MHP's Executive Director Clark Ziegler</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/building-momentum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
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  <url>
    <loc>https://www.mhpannualreport.net/annual-report/visualizing-density</loc>
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    <lastmod>2024-09-18</lastmod>
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      <image:title>Annual Report - Visualizing density - 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/v1/643455fc78f7692e93c99927/b9bd47b4-2e14-4c04-92de-3c82bad259fd/Residensity2.png</image:loc>
      <image:title>Annual Report - Visualizing density - 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/v1/643455fc78f7692e93c99927/d3687382-9563-46e8-8fc8-5eeabd0d6f87/Matija_Ellen_Tom_Esri_award_wall.jpg</image:loc>
      <image:title>Annual Report - Visualizing density - Make it stand out</image:title>
      <image:caption>CHD's Matija Jankovic, Ellen Marya, and Tom Hopper were honored with a Special Achievement in GIS award from Esri.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/tracking-evictions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725366352933-LDY07GZNXKKCKHHIKZZK/Housing+Stability+Monitor+image.png</image:loc>
      <image:title>Annual Report - Tracking evictions and foreclosures - 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.mhpannualreport.net/annual-report/turning-public-land-into-affordable-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/03d03e1d-d51a-41eb-adea-f4b41079bfbb/Brewster_Woods_larger_building.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/76f464b8-d71b-4c49-95c1-18307bc33430/MHP-Brewster-%236.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing - Make it stand out</image:title>
      <image:caption>Dottie Anderson</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/c2021fa4-a326-47c5-b32b-b922074ce33f/MHP-Brewster-%232.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing - 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/v1/643455fc78f7692e93c99927/1716305563034-MVTZYO8AIF1H11J94KJB/Brewster_Woods_mood_shot.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716305586182-ZRAP35ZC0UYY5V280L6K/Brewster_woods_Ribbon_cutting_cropped.jpeg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716305562993-Q26VI1A8YXHB9S73B6LC/MHP-Brewster-%2312.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/70fa4876-4e05-49bd-878c-a1894efe8b71/Brewster_Wood_town_official_Jill_Scalise.jpg</image:loc>
      <image:title>Annual Report - Turning public land into affordable housing - 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.mhpannualreport.net/annual-report/advancing-complete-neighborhoods</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/3d05da33-e877-4f2d-9296-1d1d8d336ad4/Complete_Neighborhoods_Montague1.jpg</image:loc>
      <image:title>Annual Report - Advancing Complete Neighborhoods</image:title>
      <image:caption>Toward transit-oriented development</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/53d91168-55a8-4311-bb79-3d93a2c9169f/Complete_Neighborhoods_Montague3.jpg</image:loc>
      <image:title>Annual Report - Advancing Complete Neighborhoods - 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.mhpannualreport.net/annual-report/delivering-mbta-zoning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/c8feea19-4f08-4e59-bc6e-09ebd12868b4/Braintree_MBTA_Communities_town_official_Boericke.JPG</image:loc>
      <image:title>Annual Report - Delivering MBTA zoning</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/165c4d60-cee8-4db4-9fd5-707639316496/2_CoreConcept_UnitCapacity.JPG</image:loc>
      <image:title>Annual Report - Delivering MBTA zoning - 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/v1/643455fc78f7692e93c99927/8944ff1f-5e0d-4108-a6d9-2a630d1eb562/1_3ACommunitiesStatus_2024_03.JPG</image:loc>
      <image:title>Annual Report - Delivering MBTA zoning - 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/v1/643455fc78f7692e93c99927/94fec092-2a8d-45fc-9933-e1eef51efc0c/Katy+and+Councilor+Laugh.JPG</image:loc>
      <image:title>Annual Report - Delivering MBTA zoning - 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.mhpannualreport.net/annual-report/supporting-community-in-worcester</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/6167066c-3cd6-48c9-9302-0df31a817ea0/Worcester_Grand_St._Commons_aerial.jpg</image:loc>
      <image:title>Annual Report - Supporting community in Worcester</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/9f619fea-a253-4a0f-8f78-9e4168bb8871/MHP-Worcester-%233.jpg</image:loc>
      <image:title>Annual Report - Supporting community in Worcester - 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/v1/643455fc78f7692e93c99927/10b85e98-de4f-41de-98a6-1acdbb522a8e/MHP-Worcester-%2318.jpg</image:loc>
      <image:title>Annual Report - Supporting community in Worcester - Make it stand out</image:title>
      <image:caption>From left, Treasures, Patricia, and Royal Ogbalu.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/8c6be5e8-3758-46c3-b9a2-5de0535f42eb/Steve+Teasdale+Worcester.png</image:loc>
      <image:title>Annual Report - Supporting community in Worcester - 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.mhpannualreport.net/annual-report/putting-the-pieces-together</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/3c1806bc-35ce-41a7-8d5b-20dd7bd4cf99/Bridgewater_McElwain_School_both_buildings.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/e7a1c1a6-8e1e-45b9-8393-4580a7583638/McElwain-0037.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together - 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/v1/643455fc78f7692e93c99927/1716479926124-YWB0VGI4E89Q2UZBD1GG/Bridgewater_McElwain_backbuilding.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716479927543-3PK6WSCSZ3LWQ3CL3WCR/Capstone-McElwain-Ribbon-Cutting.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716479927072-4LNKYGOEEXFPCZ21XYG9/Bridgewater_McElwain_School_interior_preservation.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716479926922-CLYODY83GYCY0XP9COTE/Bridgewater_McElwain_School_community_room.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together - 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/v1/643455fc78f7692e93c99927/02212bdf-8765-480f-ac2a-d639eb9ac0b8/McElwain-School-Apartments-Groundbreaking-Photograph-10122021.jpg</image:loc>
      <image:title>Annual Report - Putting the pieces together - 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.mhpannualreport.net/annual-report/showing-how-its-done</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/341bd4b1-f994-4366-809a-4476239191bb/Acton_Tavernier_Place_exterior.jpg</image:loc>
      <image:title>Annual Report - Showing how it’s done</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/6fedac60-2a81-45da-a9b7-3fb26d177df4/Acton_Tavernier_Place_ribboncut.jpg</image:loc>
      <image:title>Annual Report - Showing how it’s done - 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/v1/643455fc78f7692e93c99927/ce07ac55-c515-44f9-8bc5-2f5a3eb3844a/Acton_Tavernier_Place_drone1.jpg</image:loc>
      <image:title>Annual Report - Showing how it’s done - 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/v1/643455fc78f7692e93c99927/f798f168-8c0a-452c-b41e-89a0bd764fa1/Rachelly-Bartolotta-Headshot-1.jpg</image:loc>
      <image:title>Annual Report - Showing how it’s done - 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.mhpannualreport.net/annual-report/removing-barriers-to-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/9216be4f-aabb-44de-a604-ef94b32ac275/Rina+and+Eastern+Bank+cropped.jpg</image:loc>
      <image:title>Annual Report - Removing barriers to homeownership</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/deae9352-beea-4fc1-aebb-c8291eaa6343/Lou.jpg</image:loc>
      <image:title>Annual Report - Removing barriers to homeownership - 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.mhpannualreport.net/annual-report/protecting-homeowners-from-foreclosure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/fc1911a7-b66d-4799-ab6c-a02767d3a483/Photo-of-John-Boydack-2023.jpg</image:loc>
      <image:title>Annual Report - Protecting homeowners from foreclosure - Make it stand out</image:title>
      <image:caption>Brenda Piccard and John Boydack in front of his home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716917252441-6S3T3RX4MQH2O0JTOYEP/Attorney-General%27s-office.jpg</image:loc>
      <image:title>Annual Report - Protecting homeowners from foreclosure</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716917253219-Q4YN03GOMG2E75LAH7FU/HCAs.jpg</image:loc>
      <image:title>Annual Report - Protecting homeowners from foreclosure</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1716917253205-CFHCBIF5LFA0Q2CH95B7/Group-photo-HCAs.jpg</image:loc>
      <image:title>Annual Report - Protecting homeowners from foreclosure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/making-dreams-happen-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/312bb90c-c83d-4c3b-ae4f-7357d3607f02/Mukisa+gets+the+keys.JPG</image:loc>
      <image:title>Annual Report - Making dreams happen - Make it stand out</image:title>
      <image:caption>MassDREAMS recipient Mukisa Julius</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/89d9200f-fa4b-4782-988b-09793713e1ed/MassDREAMS+team+receiving+award.jpg</image:loc>
      <image:title>Annual Report - Making dreams happen</image:title>
      <image:caption>MHP's Director of Homeownership Elliot Schmiedl speaks to the success of the MassDREAMS program.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/multifamily-gallery-greater-boston-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724858014755-7SL87ANJ45F58A15AIZX/Long-Glen_Allston.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Allston: Long Glen Apartments</image:title>
      <image:caption>Sponsor: Allston Brighton Community Development Corporation Details: Preservation of 59 affordable rental apartments MHP Loan: $2.3M More: Refinance of apartments to preserve affordability</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724858130693-WT41PXETB4DD4JYP5BC2/15-25%2BHemenway%2BStreet_Fenway.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Boston: 15-25 Hemenway</image:title>
      <image:caption>Sponsor: Fenway Community Development Corporation Details: Preservation of 24 mixed-income apartments MHP Loan: $1.1M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724858143265-EY9AY2QWYH8CHJJQL61Q/Dudley-Terrace.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Boston: Dudley Terrace</image:title>
      <image:caption>Sponsor: Dorchester Bay Economic Development Corp. Details: Preservation of 56 affordable rental apartments MHP Loan: $5.3M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684347037118-S3NTUJ93W4T8X29SD7JV/Gr.-Boston-Victoria-Apts..jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Boston: Victoria Apartments</image:title>
      <image:caption>Sponsor: Inquilinos Boricuas en Acción Details: Preserve 190 affordable apartments MHP loan: $50M More: Early example of CDC success</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724858210064-245F7HNPC26T5UGM7Q8D/Gr.-Boston-Cambridge-Frost-Terrace-%25231.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Cambridge: Frost Terrace</image:title>
      <image:caption>Sponsor: Capstone Communities &amp; Hope Real Estate Details: 40 affordable apartments MHP loan: $5.2M More: TOD family development celebration</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684420934246-1YJKF123XP0UL7WUZ001/Gr.-Boston-Dorchester-Hope-Apartments.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Dorchester: Hope Apartments</image:title>
      <image:caption>Sponsor: Nuestra Comunidad Details: Preserve 40 affordable apartments MHP loan: 1.28M More: Preserving affordability at scattered site in Dorchester</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684347133237-EDRWGOWCMDCK6WH55W17/Gr.-Boston-Hyde-Park_The_Pryde.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Hyde Park: The Pryde</image:title>
      <image:caption>Sponsor: Pennrose Details: 74 mixed-income apartments MHP loan: $6.7M commitment More: The Pryde Ribbon Cutting</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684421176965-JFSX9639N3IVO4O72B4C/Gr.-Boston-Roxbury-Brook-Ave-crop.jpg</image:loc>
      <image:title>Annual Report - Greater Boston - Roxbury: Brook Ave. Co-op</image:title>
      <image:caption>Sponsor: EA Fish Development Details: Preserve 36 3BR apartments MHP loan: $2 million More: Symbol of Dudley St. revival</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/north-west-of-boston-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1723645790657-25XAHLR6W1B98NDBTA51/Tavernier_Place_Acton.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Acton: Tavernier Place</image:title>
      <image:caption>Sponsor: Common Ground Inc. Details: 31 affordable apartments for seniors and people of all ages with disabilities MHP Loan: $2.35M More: Affordable homes named after local leader</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422471562-B43RVYDQBOR0DY4KEKHV/North-%26-West-Bos-Ashland-The-Ledges.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Ashland: The Ledges</image:title>
      <image:caption>Sponsor: EA Fish &amp; Planning Office of Urban Affairs Details: 64 affordable senior apartments MHP loan: $2.6M More: Local funds, zoning paved way</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422472495-O3BC279P3ESLXF9GTSDI/North-%26-West-Boston-Beverly-Hardy-St..jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Beverly: 2 Hardy St.</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: 6 affordable apartments MHP loan: $820,000 More: Small scale, deep affordability</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863493951-CCNJH4GDZI6RY4BOTN0A/North-%2526-West-Boston-Beverly-Anchor-Pt.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Beverly: Anchor Point I</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: 38 affordable apartments MHP loan: $3.2M Twitter: Partners share magic moment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863512076-RA8TT9PSYY4D18CPMJHQ/North-%2526-West-Boston-Gloucester-Harbor-Village.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Gloucester: Harbor Village</image:title>
      <image:caption>Sponsor: North Shore CDC Details: 30 affordable apartments MHP loan: $3.6M More: Used our green incentives</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863545636-ES480T1SSF0RTPRO0K07/Auburn%2BApartments_Haverhill.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Haverhill: Auburn Apartments</image:title>
      <image:caption>Sponsor: Great Bridge Properties Details: 30 affordable apartments MHP Loan: $1.39M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422968505-JDX993CHXJA7CVQPJ7VD/North-%26-West-of-Boston-Lawrence-Essex-St..jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Lawrence: Essex Street</image:title>
      <image:caption>Sponsor: Gr. Lawrence Community Action Council Details: 39 affordable apartments MHP loan: $3.4M Friedman: Economic stability the goal</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422969382-V42CZWTO5O4RVRN1VBEY/North-%26-West-of-Boston-Salem-Heights.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Salem: Salem Heights</image:title>
      <image:caption>Sponsor: Preservation of Affordable Housing Details: Preservation of 283 affordable apartments MHP loan: $32.1M More: Rehab includes green, digital upgrades</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863634750-MLNLFJBQ6WX2EYZJGOQI/The%2BLighthouses_Salem.jpg</image:loc>
      <image:title>Annual Report - North &amp;amp; West of Boston - Salem: The Lighthouses</image:title>
      <image:caption>Sponsor: North Shore Community Development Coalition Details: 46 affordable apartments MHP Loan: $5.4M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/se-mass-cape-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1723647465794-EA5XK011APA96NRCABAJ/SE-Brewster_Woods_Brewster-%281%29.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Brewster: Brewster Woods</image:title>
      <image:caption>Sponsor: Preservation of Affordable Housing, Inc. Details: 30 affordable apartments MHP Loan: $2.4M More: Used our green incentives</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425313084-YWVA0RF682EF341HRBHE/SE-MA-%26-Cape-Bridgewater_McElwain_School.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Bridgewater: McElwain School</image:title>
      <image:caption>Sponsor: Capstone Communities &amp; MPZ Development Details: 57 mixed-income apartments MHP loan: $5.3M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863700577-Z5RZYNPMLQBWIT80NO74/SE-Viva_Lakeshore_Bridgewater.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Bridgewater: VIVA Lakeshore</image:title>
      <image:caption>Sponsor: Claremont Companies Details: 300 mixed-income apartments MHP Loan: $4.9M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425553201-MIW9LFSHF1HUJ67O7X5G/SE-MA-%26-Cape-Falmouth-Little-Pond-Place.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Falmouth: Little Pond Place</image:title>
      <image:caption>Sponsor: Affirmative Investments &amp; Falmouth Housing Corp. Details: 40 affordable apartments MHP loan: $2.3M More: Pandemic didn’t stop Falmouth</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425553163-ZHFO2QEG8UFJAKEFB0BR/SE-MA-%26-Cape-Falmouth-Gifford-Workforce.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Falmouth: Gifford Workforce Phase 1</image:title>
      <image:caption>Sponsor: Falmouth Housing Corp. Details: 10 affordable apartments MHP loan: $520,000</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425730491-KOIU718RXH3TIYZ0Q10C/SE-MA-%26-Cape-Medway-Glenn-Brook-Way.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Medway: Glen Brook Wau Phase I</image:title>
      <image:caption>Sponsor: MetroWest Community Development Details: 48 affordable apartments MHP loan: $5M Video: Local leader delivers call to action</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425554174-E1SI9LQKPRSGHB4YFFB6/SE-MA-%26-Cape-Hanson-Depot-Village.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Hanson:&amp;nbsp; Depot Village</image:title>
      <image:caption>Sponsor: Dakota Partners Details: 48 affordable apartments MHP loan: $2.9M More: Green housing near transit</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863775351-3W48HXKDHTNQVIL3ZCIR/SE-Manomet_Place_Cliftex_New%2BBedford.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - New Bedford: Manomet Place Phase II</image:title>
      <image:caption>Sponsor: Winn Development Corporation Details: 71 affordable apartments for seniors MHP Loan: $1.25M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863808683-EZGJSE33153K3PXTHSMP/SE-Riverview_Meadows_III_Raynham.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Raynham: Riverview Meadows III</image:title>
      <image:caption>Sponsor: Douglas A. King Builders Details: 74 mixed-income apartments MHP Loan: $4M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425923587-E43BB4OU2EWIGWYWYGIR/SE-MA-%26-Cape-Wrentham-Eagle-Brook-Commons.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Wrentham: Eagle Brook Commons</image:title>
      <image:caption>Sponsor: DiPlacido Development Corp. Details: 36 mixed-income apartments MHP loan: $6.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863839963-91MC5QE4OFHZIB93RPE2/SE-Redtail_Crossing_Wrentham.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Wrentham: Redtail Crossing</image:title>
      <image:caption>Sponsor: DiPlacido Development Corp. Details: 38 mixed-income townhouse-style apartments MHP Loan: $11.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863852480-O1YB226G356OWRR116PB/SE-Yarmouth_Gardens_Yarmouth.jpg</image:loc>
      <image:title>Annual Report - Southeastern Mass &amp;amp; Cape - Yarmouth: Yarmouth Gardens</image:title>
      <image:caption>Sponsor: Commonwealth Community Developers LLC Details: 40 affordable apartments MHP Loan: $3.3M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/central-mass-western-mass-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863905561-YOODRCPSVL9QZTQWGS94/CMass-WMass-Auburn-Mary-Stone-Apts.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Auburn: Mary Stone Apartments</image:title>
      <image:caption>Sponsor: Pennrose Details: 55 mixed-income senior apartments MHP loan: $1.8M More: Historic rehab honor for Pennrose</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863916278-2TO1QGQLCIOBE7B0B7Z3/CMass-WMass-Holyoke_Library-Commons.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Holyoke: Library Commons</image:title>
      <image:caption>Sponsor: Wayfinders Details: 38 affordable apartments MHP loan: $550,000 Video: Resident delivers best ‘elevator’ speech ever</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863933468-E2IISJDMSZ2XFXOI626N/CMass_WMass_Holoyke_Lyman_Terrace.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Holyoke: Lyman Terrace</image:title>
      <image:caption>Sponsor: The Community Builders Details: Rehab, preservation of 164 public housing units MHP loans: $6.8M More: National recognition for healthy features</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1723837956534-UAEOMK1L0PBHA01LT508/CW-Southbridge_Mills_Southbridge.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Southbridge: Southbridge Mills</image:title>
      <image:caption>Sponsor: Winn Development Corporation Details: 48 affordable apartments MHP Loan: $2.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724863959227-7DIW05JCL1214IGPN0Z6/CMass-WMass-Southbridge-Wells-School.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Southbridge: Wells School</image:title>
      <image:caption>Sponsor: Winn Development &amp; Arch Communities Details: 62 mixed-income apartments for seniors MHP loan: $400,000 Video: Resident thankful for much-needed housing</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428805773-UDKWNS0AZXJ6IDG778L4/CMass-WMass_Springfield_Mason_Square.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Springfield: Mason Square Phase II</image:title>
      <image:caption>Sponsor: First Resource Companies Details: 60 affordable apartments MHP loan: $650,000 More: Mason Sq. page from city’s Black history</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724864015890-6CKRDRSDAU6HY2SYXQPV/CW-Knox_Residences_I_Springfield.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Springfield: Knox Residences Phase I &amp;amp; II</image:title>
      <image:caption>Sponsor: First Resource Companies Details: 96 affordable apartments MHP Loans: $700K</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1724864024876-20EB9M60OZMOW3HFDV3E/CW-Grand_Street_Commons_Worcester.jpg</image:loc>
      <image:title>Annual Report - Central &amp;amp; Western Mass - Worcester: Grand Street Commons</image:title>
      <image:caption>Sponsor: Main South Community Development Corporation Details: 48 affordable apartments MHP Loan: $3.5M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/diversity-equity-inclusion-belonging-2023</loc>
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    <priority>0.5</priority>
    <lastmod>2024-09-11</lastmod>
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      <image:title>Annual Report - Diversity, Equity, Inclusion &amp;amp; Belonging</image:title>
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      <image:title>Annual Report - Diversity, Equity, Inclusion &amp;amp; Belonging</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390473140-6WLDVR2W3WFAPOQPEV2B/Pine-Street-Inn_table.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity, Inclusion &amp;amp; Belonging</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390471988-19JDRPV8TF6J19SHZ1E7/MHP-Cares-outdoors.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity, Inclusion &amp;amp; Belonging</image:title>
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  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/mhp-financials-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/10a62103-d15f-421a-b47d-93e72fe6cd20/Screenshot+2024-06-19+at+2.50.25+PM.png</image:loc>
      <image:title>Annual Report - MHP Financials 2023 - 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/v1/643455fc78f7692e93c99927/16c16514-337e-4c52-99ab-35a55d947058/Statement+of+Net+Pos.png</image:loc>
      <image:title>Annual Report - MHP Financials 2023 - 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/v1/643455fc78f7692e93c99927/f93c0b5d-1704-4c94-9a10-7920bb635916/Statement+of+revenues+expens.png</image:loc>
      <image:title>Annual Report - MHP Financials 2023 - 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.mhpannualreport.net/annual-report/staff-and-board-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390667938-GWP357ROHQNHA5KEZ27M/Annaly-Monteiro-Serena-at-podium.jpg</image:loc>
      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390669482-S9UD63JAKX4X59WOROB1/Homeownership-team-is-%23ONE.jpg</image:loc>
      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390670281-46WVYEYFRBRMO6RKMRY3/Housing-Institute-2024-hires-058.jpg</image:loc>
      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1725390671245-CMY0YQREHFNTX9KNVADS/Sarah-and-Nicole-Permission-to-use.jpg</image:loc>
      <image:title>Annual Report - MHP Staff &amp;amp; Board</image:title>
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  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/connect</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/a200bb64-3381-43f3-9fca-03114e22bbfa/Connect+with+us.png</image:loc>
      <image:title>Annual Report - Connect - 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.mhpannualreport.net/annual-report/call-to-action</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/d616e944-541c-41ba-87be-25537793177b/Clark_Ziegler.jpg</image:loc>
      <image:title>Annual Report - 2022 Call to Action - Make it stand out</image:title>
      <image:caption>Housing Choice 2.0</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/65a7b7ca-963a-4918-a1af-ba58d0dd3cc5/MHP+Infographic+Annual+Report.jpg</image:loc>
      <image:title>Annual Report - 2022 Call to Action - 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>
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  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/housing-choice-20</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/a7f97018-4ebc-49d9-b0ea-5bca38ec6980/Housing-Choice-2.0-%231-Healey_Driscoll.jpg</image:loc>
      <image:title>Annual Report - Beyond Housing Choice</image:title>
      <image:caption>Supporting the Healey-Driscoll team</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/3010468b-34dc-49cc-a105-ffa6729b077d/Housing+Choice+2.0+%233+Ziegler_Driscoll.jpg</image:loc>
      <image:title>Annual Report - Beyond Housing Choice - Make it stand out</image:title>
      <image:caption>Captions goes here…</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/diversity-equity-inclusion-belonging</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590262228-5ZY6KTO3U697KW51P8ER/New+DEI_photo4.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590261486-ETCS7A1GR3Z5I9J6EZDZ/New+DEI_photo3.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590263103-0WXJHXZVZKQ4NVJJQHEQ/New-DEI_photo5_option1.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590261396-Y0RUSETZTVD9UQHMHN6Z/New+DEI+photo1.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590262312-IUET9VC3SA13ZRYYCMYW/New+DEI_photo6.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686590263069-QF508ZH3D7BTFRDJ4IBL/New-DEI_photo2.jpg</image:loc>
      <image:title>Annual Report - Diversity, Equity &amp;amp; Inclusion</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/making-the-case</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/cd8d6a0a-bcdd-440c-b59e-16c4d84d45cf/Tiffany_Manuel_seated.jpg</image:loc>
      <image:title>Annual Report - Making the Case</image:title>
      <image:caption>Connect to people’s aspirations</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/40f88f67-7e56-416e-b2a6-786cd40c7d5b/Tiffany_Manuel_speaking.jpg</image:loc>
      <image:title>Annual Report - Making the Case - 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.mhpannualreport.net/annual-report/using-data-to-drive-better-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/4003255a-04fd-4d21-9570-3b99d7cb2e08/Data-to-drive-policy---TODEX-demo.jpg</image:loc>
      <image:title>Annual Report - Data &amp;amp; Policy</image:title>
      <image:caption>To build understanding, better policies</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/81240428-290f-4e62-86fe-1852b530d3c4/Data_Driven_Tom_Hopper-sq.jpg</image:loc>
      <image:title>Annual Report - Data &amp;amp; Policy - 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.mhpannualreport.net/annual-report/complete-neighborhoods-mbta-zoning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/a12bdaec-e31c-45c0-a3e4-65d48ad44e69/Screen+Shot+2023-05-05+at+11.52.31+AM.jpg</image:loc>
      <image:title>Annual Report - MBTA Zoning</image:title>
      <image:caption>Part of our Complete Neighborhoods Initiative</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/b7a31a4f-3efc-46f2-acae-741382b58e75/MBTA-zoning-pop-out-photo-sq.jpg</image:loc>
      <image:title>Annual Report - MBTA Zoning - 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.mhpannualreport.net/annual-report/utilizing-public-land</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/96452974-62cd-48ee-bad2-54d20d9a4e11/Public-Land-example---Lyman-Terrace.jpg</image:loc>
      <image:title>Annual Report - Public Land</image:title>
      <image:caption>Untapped potential for more housing</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/60e805f5-443e-4c33-bbdf-178bf318d72a/Public_Land_pop_out-sq.jpg</image:loc>
      <image:title>Annual Report - Public Land - 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.mhpannualreport.net/annual-report/partnerships</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1e589436-842d-458d-bd48-084b7f249289/MHP-Westport-%2332.jpg</image:loc>
      <image:title>Annual Report - Partnerships</image:title>
      <image:caption>A local voice, a labor of love</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/7549519c-1610-45de-bc25-43231a35e9da/Liz-Collins-pop-out.jpg</image:loc>
      <image:title>Annual Report - Partnerships - 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.mhpannualreport.net/annual-report/all-in-on-covid-relief</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/66b60239-4e30-446d-9493-76e904b47607/Covid+response+Map+of+Eviction+filing+per+1%2C000+renter.jpg</image:loc>
      <image:title>Annual Report - COVID Relief</image:title>
      <image:caption>Put subhead text here</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/bringing-more-money-to-the-table</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/6f177968-c310-4e22-8600-83ae7a9f00f1/Gr.-Boston-Cambridge-Jefferson-Park.jpg</image:loc>
      <image:title>Annual Report - Financing Solutions</image:title>
      <image:caption>Putting bank &amp; local funds to work</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/13f51f64-abc3-48af-a0e8-6c5dd5ecffe6/Local+%26+private+funds+-+Pix+of+Globe+story+on+Cambridge+Trust.jpg</image:loc>
      <image:title>Annual Report - Financing Solutions - 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/v1/643455fc78f7692e93c99927/debba641-2eec-4cd6-b365-5ec32288a44f/Local+%26+private+funds+-+Trust+guidebook+cover+illustrates+local+funds.jpg</image:loc>
      <image:title>Annual Report - Financing Solutions - 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/v1/643455fc78f7692e93c99927/133e09dd-562c-4ca3-acbc-17b743c88696/MHP-Medway-contractor.jpg</image:loc>
      <image:title>Annual Report - Financing Solutions - 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.mhpannualreport.net/annual-report/affordable-homes-healthier-lives</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684339481835-LXPM8K9LUW8LWK9TNCXQ/Hanson_Depot_Village_solar_panels.jpg</image:loc>
      <image:title>Annual Report - Green &amp;amp; Healthy</image:title>
      <image:caption>Financing to enhance affordability</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/ab33179c-84c4-4fb6-8754-d048dfc49a2d/Anne-Lewis-web2.png</image:loc>
      <image:title>Annual Report - Green &amp;amp; Healthy - 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.mhpannualreport.net/annual-report/making-the-search-for-housing-easier</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/96334086-2850-4884-b2f5-cf1afd558db6/Housing+Navigator+-+screen+grab+of+HN+web+site.jpg</image:loc>
      <image:title>Annual Report - Better Access</image:title>
      <image:caption>Put subhead text here</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/8cd4eb1f-7899-437a-a6c9-665b5af821b9/Improving-access-pop-out-photo---Jennifer-Gilbert-sq.jpg</image:loc>
      <image:title>Annual Report - Better Access - 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.mhpannualreport.net/annual-report/oneboston-making-a-difference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/d4accb59-a7ea-4414-b7e6-471f5020c8df/Succcess-stories-MHP.jpg</image:loc>
      <image:title>Annual Report - Making a Difference</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/massdreams-making-homeownership-possible</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/aac375a3-1482-496a-bfd3-8481a13b3d9c/MassDREAMS+Instagram+post.jpg</image:loc>
      <image:title>Annual Report - Expanding Opportunity</image:title>
      <image:caption>Put subhead text here</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/3-more-one-success-stories</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/32a58beb-2eeb-41d6-99e2-ca54a7dae85b/ONE%2BBoston+-+Family+that+bought+home.JPG</image:loc>
      <image:title>Annual Report - Sharing Success - 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.mhpannualreport.net/annual-report/multifamily-gallery-greater-boston</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684347037118-S3NTUJ93W4T8X29SD7JV/Gr.-Boston-Victoria-Apts..jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Boston: Victoria Apartments</image:title>
      <image:caption>Sponsor: Inquilinos Boricuas en Acción Details: Preserve 190 affordable apartments MHP loan: $50M More: Early example of CDC success</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684345068400-K8ULMEZWXZVPR0MY66BC/Gr.-Boston-Weinberg-House.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Brighton: Weinberg House</image:title>
      <image:caption>Sponsor: 2Life Communities Details: 62 affordable apartments for seniors MHP loan: $2.25M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684345065895-IT7SIAXVPJ7AQ3ZDKOX9/Gr.-Boston-Cambridge-Frost-Terrace-%231.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Cambridge: Frost Terrace</image:title>
      <image:caption>Sponsor: Capstone Communities &amp; Hope Real Estate Details: 40 affordable apartments MHP loan: $5.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684420471581-6YI1YUIC177TY2BBSC95/Gr.-Boston-Cambridge-Jefferson-Park.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Cambridge: Jefferson Park</image:title>
      <image:caption>Sponsor: Cambridge Housing Authority Details: 104 affordable apartments MHP loan: $12.29M permanent loan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684420934246-1YJKF123XP0UL7WUZ001/Gr.-Boston-Dorchester-Hope-Apartments.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Dorchester: Hope Apartments</image:title>
      <image:caption>Sponsor: Nuestra Comunidad Details: Preserve 40 affordable apartments MHP loan: 1.28M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684347133237-EDRWGOWCMDCK6WH55W17/Gr.-Boston-Hyde-Park_The_Pryde.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Hyde Park: The Pryde</image:title>
      <image:caption>Sponsor: Pennrose Details: 74 mixed-income apartments MHP loan: $6.7M commitment More: LGBTQ-friendly housing a first for NE</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684421195624-KWAOFD5N1FU3TP6S1RW3/Gr.-Boston-Roxbury-Walker-Park.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Roxbury: Walker Park</image:title>
      <image:caption>Sponsor: Urban Edge Details: 49 affordable apartments MHP loan: $2.1M More: New homes named after neighborhood activist</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684421176965-JFSX9639N3IVO4O72B4C/Gr.-Boston-Roxbury-Brook-Ave-crop.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Roxbury: Brook Ave. Co-op</image:title>
      <image:caption>Sponsor: EA Fish Development Details: Preserve 36 3BR apartments MHP loan: $2 million More: Symbol of Dudley St. revival</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684353572533-3ZXA7SJX28WDUE3M8UX1/Greater-Boston-Roxbury-Clarion.jpg</image:loc>
      <image:title>Annual Report - 2022 Greater Boston - Roxbury: The Clarion</image:title>
      <image:caption>Sponsor: The Community Builders Details: 39 mixed-income apartments MHP loan: $2.8M</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/north-west-of-boston</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422471562-B43RVYDQBOR0DY4KEKHV/North-%26-West-Bos-Ashland-The-Ledges.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Ashland: The Ledges</image:title>
      <image:caption>Sponsor: EA Fish &amp; Planning Office of Urban Affairs Details: 64 affordable senior apartments MHP loan: $2.6M More: Local funds, zoning paved way</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422472495-O3BC279P3ESLXF9GTSDI/North-%26-West-Boston-Beverly-Hardy-St..jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Beverly: 2 Hardy St.</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: 6 affordable apartments MHP loan: $820,000 More: Small scale, deep affordability</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422471632-AHRQEY1O8FCCKS64U5SD/North-%26-West-Boston-Beverly-Anchor-Pt.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Beverly: Anchor Point Phase 1</image:title>
      <image:caption>Sponsor: Harborlight Homes Details: 38 affordable apartments MHP loan: $3.2M Twitter: Partners share magic moment</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422685939-YNG8RST8V62ZUXXJ5FL0/North-%26-West-Boston-Brookline-JFK.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Brookline: JFK Crossing</image:title>
      <image:caption>Sponsor: 420 Harvard Associates LLC Details: 25 mixed-income apartments MHP loan: $14.7M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422685960-2KERBLVZU0QUWTGXS5OS/North-%26-West-Boston-Gloucester-Harbor-Village.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Gloucester: Harbor Village</image:title>
      <image:caption>Sponsor: North Shore CDC Details: 30 affordable apartments MHP loan: $3.6M More: Used our green incentives</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422686857-H3JND0EYMBSFTEV3I565/North-%26-West-of-Boston-Haverhill-Gerson.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Haverhill: Gerson Building</image:title>
      <image:caption>Sponsor: Veterans NE Outreach Ctr. &amp; Coalition for a Better Acre Details: 44 affordable apartments MHP loan: $2.8M More: Furniture store site now homes for vets</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422968505-JDX993CHXJA7CVQPJ7VD/North-%26-West-of-Boston-Lawrence-Essex-St..jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Lawrence: Essex Street</image:title>
      <image:caption>Sponsor: Gr. Lawrence Community Action Council Details: 39 affordable apartments MHP loan: $3.4M Friedman: Economic stability the goal</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422968503-R4XX462XG5JSAEZYK0GJ/North-%26-West-of-Boston-Reading-Schoolhouse.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Reading: Schoolhouse Commons</image:title>
      <image:caption>Sponsor: Equitable Reading Housing Details: 20 mixed-income apartments MHP loan: $3.4M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684422969382-V42CZWTO5O4RVRN1VBEY/North-%26-West-of-Boston-Salem-Heights.jpg</image:loc>
      <image:title>Annual Report - 2022 North &amp;amp; West of Boston - Salem: Salem Heights</image:title>
      <image:caption>Sponsor: Preservation of Affordable Housing Details: Preservation of 283 affordable apartments MHP loan: $32.1M More: Rehab includes green, digital upgrades</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/se-mass-cape</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425313084-YWVA0RF682EF341HRBHE/SE-MA-%26-Cape-Bridgewater_McElwain_School.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Bridgewater: McElwain School</image:title>
      <image:caption>Sponsor: Capstone Communities &amp; MPZ Development Details: 57 mixed-income apartments MHP loan: $5.3M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425313038-NKTZGANFIMNTV5W03JZQ/SE-MA-%26-Cape-Bridgewater-Riverview.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Bridgewater: Riverview Meadows II</image:title>
      <image:caption>Sponsor: Douglas A. King Builders Details: 60 mixed-income apartments MHP loan: $8.7M More: King calls MHP key partner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425313870-EUUW0AIJ3CVOTHUVHU3A/SE-MA-%26-Cape-Eastham-Nauset-Village.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Eastham: Nauset Village</image:title>
      <image:caption>Sponsor: Pennrose Details: 65 affordable apartments MHP loan: $4.4M More: 3 towns contribute local funds</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425553201-MIW9LFSHF1HUJ67O7X5G/SE-MA-%26-Cape-Falmouth-Little-Pond-Place.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Falmouth: Little Pond Place</image:title>
      <image:caption>Sponsor: Affirmative Investments &amp; Falmouth Housing Corp. Details: 40 affordable apartments MHP loan: $2.3M More: Pandemic didn’t stop Falmouth Housing Corp.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425553163-ZHFO2QEG8UFJAKEFB0BR/SE-MA-%26-Cape-Falmouth-Gifford-Workforce.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Falmouth: Gifford Workforce Phase 1</image:title>
      <image:caption>Sponsor: Falmouth Housing Corp. Details: 10 affordable apartments MHP loan: $520,000</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425554174-E1SI9LQKPRSGHB4YFFB6/SE-MA-%26-Cape-Hanson-Depot-Village.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Hanson:&amp;nbsp; Depot Village</image:title>
      <image:caption>Sponsor: Dakota Partners Details: 48 affordable apartments MHP loan: $2.9M More: Green housing near transit</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425730491-KOIU718RXH3TIYZ0Q10C/SE-MA-%26-Cape-Medway-Glenn-Brook-Way.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Medway: Glen Brook Way Phase 1</image:title>
      <image:caption>Sponsor: MetroWest Community Development Details: 48 affordable apartments MHP loan: $5M Video: Local leader delivers call to action</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425923587-E43BB4OU2EWIGWYWYGIR/SE-MA-%26-Cape-Wrentham-Eagle-Brook-Commons.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Wrentham: Eagle Brook Commons</image:title>
      <image:caption>Sponsor: DiPlacido Development Corp. Details: 36 mixed-income apartments MHP loan: $6.2M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684425730475-8NUMT6IALL5WYU9RGJP2/SE-MA-%26-Cape---Westport-Noquochoke.jpg</image:loc>
      <image:title>Annual Report - 2022 Southeastern Mass &amp;amp; Cape - Westport: Noquochoke Village</image:title>
      <image:caption>Sponsor: The Community Builders Details: 50 mixed-income apartments MHP loan: $1.4M More: Collins recognized for local leadership</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/central-mass-western-mass</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428503694-QNELE8P3O41KO2T7ZCOF/CMass-WMass-Amherst-North-Square.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Amherst: North Square&amp;nbsp;</image:title>
      <image:caption>Sponsor: Beacon Communities Details: 130 mixed-income apartments MHP loan: $21.1M (more details) Video: Beacon shares opening with Gov. Baker</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428504565-YPGCTDYCQKQSOXWXBLK1/CMass-WMass-Auburn-Mary-Stone-Apts.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Auburn: Mary Stone Apartments</image:title>
      <image:caption>Sponsor: Pennrose Details: 55 mixed-income senior apartments MHP loan: $1.8M More: Historic rehab honor for Pennrose</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428503719-U1PO4PBHZV978ZH3RCEG/CMass_WMass_Holoyke_Lyman_Terrace.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Holyoke: Lyman Terrace</image:title>
      <image:caption>Sponsor: The Community Builders Details: Rehab, preservation of 164 public housing units MHP loans: $6.8M More: National recognition for healthy features</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428699295-V5XW1ABMM5WZ5B03Q93X/CMass-WMass-Holyoke_Library-Commons.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Holyoke: Library Commons</image:title>
      <image:caption>Sponsor: Wayfinders Details: 38 affordable apartments MHP loan: $550,000 Video: Resident delivers best ‘elevator’ speech ever</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428698404-I6SDLPSSH8FVDTKSS2YG/CMass_WMass_Leominster_Carter_School.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Leominster: Carter School</image:title>
      <image:caption>Sponsor: NewVue Communities Details: 39 mixed-income apartments MHP loan: $500,000</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1686317145682-Q5VF80CKHZOOKZRRFDBC/CMass-WMass-Southbridge-Wells-School.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Southbridge: Wells School</image:title>
      <image:caption>Sponsor: Winn Development &amp; Arch Communities Details: 62 mixed-income apartments for seniors MHP loan: $400,000 Video: Resident thankful for much-needed housing</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428934529-R55P2NOB9LY4GTCE8SPZ/CMass-WMass-Springfield-E-Henry-Twiggs.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Springfield: E. Henry Twiggs</image:title>
      <image:caption>Sponsor: Better Homes Inc Details: Preservation of 75 affordable apartments MHP loan: $2.7M</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428805773-UDKWNS0AZXJ6IDG778L4/CMass-WMass_Springfield_Mason_Square.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Springfield: Mason Square Phase II</image:title>
      <image:caption>Sponsor: First Resource Companies Details: 60 affordable apartments MHP loan: $650,000 More: Mason Sq. page from city’s Black history</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428806559-EBYM8F20PVQNXMOYPYUZ/CMass-WMass-Uxbridge-Blanchard-School.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Uxbridge: Blanchard School</image:title>
      <image:caption>Sponsor: Blanchard Memorial Housing Assoc. &amp; Jon Juhl Details: 25 mixed-income apartments MHP loan: $250,000</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/1684428913467-BSYTPY0HWFX2BUQGDZ58/CMass-WMass-Worcester-Fruit-Sever.jpg</image:loc>
      <image:title>Annual Report - 2022 Central &amp;amp; Western Mass - Worcester: Fruit Sever Apartments</image:title>
      <image:caption>Sponsor: The Community Builders Details: Preservation of 132 affordable apartments MHP loan: $6.6M More: Resident lesson on city’s musical roots</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mhpannualreport.net/annual-report/a-history-of-leadership-and-innovation</loc>
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    <lastmod>2023-07-25</lastmod>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/643455fc78f7692e93c99927/69263f03-0045-41f8-bae3-1f9f1e2568e0/CEDAC.png</image:loc>
      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - Make it stand out</image:title>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - 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>
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      <image:title>Annual Report - Innovation &amp;amp; Leadership - Make it stand out</image:title>
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  </url>
  <url>
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    <lastmod>2024-07-25</lastmod>
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