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    <lastmod>2024-03-13</lastmod>
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      <image:title>Home - Mission</image:title>
      <image:caption>The mission of the Orange County Housing Finance Trust is to strengthen the communities in Orange County by financing the development of affordable housing for homeless and low-income individuals and families.</image:caption>
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      <image:title>Home - Vision</image:title>
      <image:caption>The vision of the Orange County Housing Finance Trust is to respond to the humanitarian crisis of homelessness by identifying and securing funding that will contribute to the construction of 2,700 permanent supportive housing units and work to secure funding that will contribute to additional affordable housing units by 2025.</image:caption>
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    <lastmod>2021-01-15</lastmod>
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    <lastmod>2025-07-17</lastmod>
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      <image:title>Board of Directors</image:title>
      <image:caption>Chair Katrina Foley County of Orange Supervisor – 5th District</image:caption>
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      <image:title>Board of Directors - Make it stand out</image:title>
      <image:caption>Vice Chair Melinda Liu City of Irvine – Council Member</image:caption>
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      <image:title>Board of Directors</image:title>
      <image:caption>Board Member Shari Freidenrich County of Orange Treasurer-Tax Collector</image:caption>
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      <image:title>Board of Directors - Make it stand out</image:title>
      <image:caption>Board Member Vicente Sarmiento County of Orange Supervisor - 2nd District</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5cf818af0d93600001558cee/93d4f5d7-fca9-4dbb-8d73-aedbea50fa43/Norma+Kurtz.jpg</image:loc>
      <image:title>Board of Directors</image:title>
      <image:caption>Board Member Norma Kurtz City of Anaheim – Council Member</image:caption>
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      <image:title>Board of Directors</image:title>
      <image:caption>Board Member Mike Frost City of Dana Point – Council Member</image:caption>
    </image:image>
    <image:image>
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      <image:title>Board of Directors</image:title>
      <image:caption>Board Member Gracey Van Der Mark City of Huntington Beach – Council Member</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5cf818af0d93600001558cee/b49493ac-b446-4b1e-8e10-0c48018031ea/Jessie-Lopez-Headshot.jpg</image:loc>
      <image:title>Board of Directors</image:title>
      <image:caption>Board Member Jessie Lopez City of Santa Ana – Council Member</image:caption>
    </image:image>
    <image:image>
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      <image:title>Board of Directors - Make it stand out</image:title>
      <image:caption>Board Member Andrew Hamilton County of Orange Auditor-Controller</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://ochft.org/contact-us</loc>
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    <lastmod>2026-02-27</lastmod>
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  <url>
    <loc>https://ochft.org/board-meeting-calendar</loc>
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    <lastmod>2024-11-21</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/current-past-board-agenda-minutes</loc>
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    <lastmod>2026-03-13</lastmod>
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    <loc>https://ochft.org/financial-statements-annual-reports</loc>
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    <lastmod>2025-06-17</lastmod>
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  <url>
    <loc>https://ochft.org/jpa-bylaws</loc>
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    <lastmod>2021-10-19</lastmod>
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  <url>
    <loc>https://ochft.org/presentations</loc>
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    <lastmod>2019-07-10</lastmod>
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      <image:title>Presentations</image:title>
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      <image:title>Presentations</image:title>
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  <url>
    <loc>https://ochft.org/permanent-supportive-housing-loan-program</loc>
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    <lastmod>2020-08-13</lastmod>
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    <lastmod>2025-05-13</lastmod>
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      <image:title>News - 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/v1/5cf818af0d93600001558cee/db862ca2-ce6b-4d62-af08-d93daa77fec9/the+Orion.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/411e9749-0842-41b0-8a76-a00f5ffbc1db/Oregon+Live_adu.jpg</image:loc>
      <image:title>News - 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>
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      <image:title>News - 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>News - 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/v1/5cf818af0d93600001558cee/9a0be526-b57c-487f-97ed-a2a727f82600/OCR-L-SCHOMELESS-0330-04-LO.jpg</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/c4971322-7e57-4373-9098-5aae55fa6b18/Groundbreaking-scaled.jpg</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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/v1/5cf818af0d93600001558cee/1625677795645-W7878RX2UIY95D0SYXA4/OCHFT+Logo+%28Orange%29.png</image:loc>
      <image:title>News - 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>
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      <image:title>News</image:title>
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    <image:image>
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      <image:title>News</image:title>
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    <image:image>
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      <image:title>News</image:title>
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    <image:image>
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      <image:title>News</image:title>
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  </url>
  <url>
    <loc>https://ochft.org/oc-housing-funding-strategy</loc>
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    <lastmod>2023-04-21</lastmod>
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    <loc>https://ochft.org/developments</loc>
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    <lastmod>2025-12-08</lastmod>
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    <loc>https://ochft.org/2020-nofa-faq</loc>
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    <lastmod>2020-03-19</lastmod>
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  <url>
    <loc>https://ochft.org/2019-board-agenda-minutes</loc>
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    <lastmod>2025-12-26</lastmod>
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  <url>
    <loc>https://ochft.org/2021-notice-of-funding-availability</loc>
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    <lastmod>2021-10-19</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/2021-nofa-faq</loc>
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    <lastmod>2021-03-11</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/2020-board-agenda-minutes</loc>
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    <lastmod>2025-12-26</lastmod>
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  <url>
    <loc>https://ochft.org/working-with-the-trust</loc>
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    <lastmod>2026-01-15</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/development-pipeline</loc>
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    <priority>0.75</priority>
    <lastmod>2023-03-30</lastmod>
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  <url>
    <loc>https://ochft.org/2021-board-agenda-minutes</loc>
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    <priority>0.75</priority>
    <lastmod>2025-12-26</lastmod>
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  <url>
    <loc>https://ochft.org/2022-notice-of-funding-availability</loc>
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    <lastmod>2022-02-26</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/second-round-2022-notice-of-funding-availability</loc>
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    <priority>0.75</priority>
    <lastmod>2022-11-28</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/2023-notice-of-funding-availability</loc>
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    <priority>0.75</priority>
    <lastmod>2023-02-03</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/member-cities</loc>
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    <lastmod>2024-03-13</lastmod>
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      <image:title>Member Cities - 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://ochft.org/2022-board-agenda-minutes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-26</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/identifying-sites-for-affordable-housing</loc>
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    <priority>0.75</priority>
    <lastmod>2023-09-28</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/2023-board-agenda-minutes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <loc>https://ochft.org/affordable-housing-amenity-explorer</loc>
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    <lastmod>2024-08-22</lastmod>
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  <url>
    <loc>https://ochft.org/notice-of-funding-availability</loc>
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    <lastmod>2025-12-08</lastmod>
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  <url>
    <loc>https://ochft.org/2024-board-agenda-minutes</loc>
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    <lastmod>2025-10-16</lastmod>
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    <loc>https://ochft.org/2024-nofa-updates</loc>
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    <lastmod>2025-12-08</lastmod>
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  <url>
    <loc>https://ochft.org/affordable-adu-loan-program</loc>
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    <lastmod>2025-06-17</lastmod>
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      <image:title>Affordable ADU Loan Program - 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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