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    <loc>https://www.matthewfservices.com/about</loc>
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    <lastmod>2026-08-01</lastmod>
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      <image:title>About - About Me</image:title>
      <image:caption>I got started in the real estate business as an investor which then led me to being a contractor. I started noticing the trend of contractors charging investors very high premiums due to a lack of experience or no real world knowledge of how much someone should charge for the services they were providing. Eventually I decided to cut the middle man out and just become a contractor myself. I already held two insurance license’s which helped me understand how to decide the value of a house from a construction standpoint. Eventually after getting tired of paying someone else to be my real estate agent I decided to go ahead and get a real estate license to go along with it. My experience provides a unique perspective when it comes to calculating the value (or lack of value) of a home or potential renovation project. Whether its deciding what to fix before you list your home for sale, what you want to change on the almost dream home you’re moving into, or lowering your monthly mortgage payment by lowering your insurance cost I can help.</image:caption>
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  <url>
    <loc>https://www.matthewfservices.com/work</loc>
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    <lastmod>2021-04-05</lastmod>
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      <image:title>Work</image:title>
      <image:caption>Comparison of two single-story houses. The top house has a brick facade, a yellow front door, and a small front porch with black metal railings. The front yard has a bush and a small patch of grass. The bottom house has light gray siding, a white front door with glass panels, and a blue garage door. Its front yard features a well-maintained lawn, a circular flower bed with bushes, and a paved walkway.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Work</image:title>
      <image:caption>Comparison of two images showing the progress of a home renovation. The top image displays a finished, bright, and clean kitchen and dining area with white cabinets, a ceiling fan, and hardwood flooring. The bottom image shows the same space during construction, with exposed brick, unfinished walls, construction materials, and tools, and no ceiling fan.</image:caption>
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    <image:image>
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      <image:title>Work</image:title>
      <image:caption>A backyard showing a cluttered, overgrown patio area with chairs, a swing, and a small shed, contrasted with a well-maintained grassy lawn with trees and a yellow house in the background.</image:caption>
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  <url>
    <loc>https://www.matthewfservices.com/contact</loc>
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  <url>
    <loc>https://www.matthewfservices.com/my-services</loc>
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    <priority>0.75</priority>
    <lastmod>2020-09-22</lastmod>
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      <image:title>My Services</image:title>
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      <image:title>My Services</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ea9b7e24987747eb76942c8/1600752057860-2SAHFKUMVE25NXZKGOKY/contract1.png</image:loc>
      <image:title>My Services</image:title>
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  <url>
    <loc>https://www.matthewfservices.com/links</loc>
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    <priority>0.75</priority>
    <lastmod>2026-08-01</lastmod>
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      <image:title>Links - To enter your insurance information for a quote click HERE</image:title>
      <image:caption>To begin an application with Caliber Home Loans click HERE To see examples of completed projects click HERE</image:caption>
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