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		<lastmod>2019-11-19T17:36:21+00:00</lastmod>
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		<lastmod>2020-06-09T20:07:24+00:00</lastmod>
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		<lastmod>2020-09-01T14:39:36+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/american-renters-will-owe-up-to-34-billion-in-back-rent-by-january/</loc>
		<lastmod>2020-10-02T02:11:43+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-honors-state-housing-finance-agencies-for-affordable-housing-innovation/</loc>
		<lastmod>2020-10-27T22:59:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-newly-elected-board-officers-and-directors-2/</loc>
		<lastmod>2020-10-27T23:06:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/05/Scott-Spivey-Web.jpg</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-selection-of-tom-vilsack-as-agriculture-secretary/</loc>
		<lastmod>2020-12-10T21:50:50+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-selection-of-rep-marcia-fudge-as-hud-secretary/</loc>
		<lastmod>2020-12-14T22:49:32+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncshas-summary-of-treasury-and-hud-housing-finance-reform-plans/</loc>
		<lastmod>2021-02-08T21:47:14+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-welcomes-rep-marcia-fudge-as-hud-secretary/</loc>
		<lastmod>2021-03-10T18:50:19+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/Marcia-Fudge.jpg</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-affordable-housing-credit-improvement-act-of-2021/</loc>
		<lastmod>2021-04-16T14:30:36+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-nomination-of-julia-gordon-and-appointment-of-sandra-l-thompson/</loc>
		<lastmod>2021-06-25T15:28:24+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/states-to-pay-more-than-1-billion-in-rental-aid-in-july/</loc>
		<lastmod>2021-07-02T17:33:24+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/an-open-letter-to-americas-landlords/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-new-treasury-guidance-for-erap/</loc>
		<lastmod>2021-08-25T17:26:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-administrations-announcement-of-immediate-steps-to-increase-affordable-housing-supply/</loc>
		<lastmod>2021-09-01T14:28:51+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-2022-board-officers-and-directors/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-recognizes-state-housing-finance-agencies-for-affordable-housing-innovation/</loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-appointment-of-altoro-as-usda-rural-housing-service-administrator/</loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-initiative-supports-state-housing-finance-agency-partnerships-with-health-systems-communities-to-finance-affordable-housing/</loc>
		<lastmod>2022-05-20T19:14:40+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/bell-testifies-on-behalf-of-ncsha-at-senate-hearing-on-tax-incentives-for-affordable-housing/</loc>
		<lastmod>2022-07-20T17:02:16+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-the-passing-of-representative-walorski/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/housing-finance-agencies-take-extraordinary-steps-to-save-affordable-developments/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-recognizes-affordable-housing-innovation-among-state-housing-finance-agencies/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-2023-board-of-directors/</loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-on-white-house-renter-policies/</loc>
		<lastmod>2023-01-25T17:40:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-commends-biden-harris-administration-for-reducing-fha-insurance-premiums-making-homeownership-more-affordable-for-working-families/</loc>
		<lastmod>2023-02-22T21:44:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/walker-testifies-on-behalf-of-ncsha-at-senate-hearing-on-tax-incentives-for-affordable-housing/</loc>
		<lastmod>2023-03-07T18:35:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/NCSHA-Blue-Logo-Social.jpg</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/new-tools-expand-opportunities-for-mortgage-lenders-in-state-housing-finance-agency-programs/</loc>
		<lastmod>2023-04-05T19:37:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-2024-board-of-directors/</loc>
		<lastmod>2023-10-19T17:44:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-releases-new-recommended-practices-in-housing-credit-administration/</loc>
		<lastmod>2023-10-27T14:19:48+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-recognizes-state-housing-finance-agencies-for-program-innovation-excellence/</loc>
		<lastmod>2023-10-27T15:41:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/statement-in-support-of-administration-action-extending-the-federal-financing-bank-risk-sharing-program/</loc>
		<lastmod>2024-02-29T14:55:29+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/statement-on-housing-proposals-in-president-bidens-state-of-the-union-address/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/statement-on-hud-secretary-marcia-l-fudges-retirement-and-resignation/</loc>
		<lastmod>2024-03-12T15:51:07+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-marks-50-years-of-affordable-housing-impact/</loc>
		<lastmod>2024-05-08T13:36:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/NCSHA_50th_blue-red.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-applauds-the-biden-harris-administration-for-helpful-changes-to-the-fha-hfa-risk-sharing-program/</loc>
		<lastmod>2024-08-13T14:58:26+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/NCSHA-Blue-Logo-Social.jpg</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-recognizes-affordable-housing-innovation-among-state-housing-finance-agencies-2/</loc>
		<lastmod>2024-10-07T16:17:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-2025-board-of-directors/</loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncshb-announces-newly-elected-board-officers-director/</loc>
		<lastmod>2024-10-09T15:12:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-welcomes-scott-turner-as-hud-secretary/</loc>
		<lastmod>2025-02-05T20:07:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-supports-road-to-housing-act-of-2025/</loc>
		<lastmod>2025-07-29T15:24:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-commends-fhfa-increase-in-fannie-freddie-housing-credit-investment-caps/</loc>
		<lastmod>2025-08-05T17:32:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-supports-nominations-of-frank-cassidy-for-fha-commissioner-joe-gormley-for-ginnie-mae-president/</loc>
		<lastmod>2025-08-05T18:05:36+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-recognizes-state-housing-finance-agencies-for-affordable-housing-innovation-2/</loc>
		<lastmod>2025-10-07T02:38:51+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-announces-2026-board-of-directors/</loc>
		<lastmod>2025-10-17T15:31:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-urges-senate-confirmation-of-frank-cassidy-as-fha-commissioner/</loc>
		<lastmod>2025-10-29T13:44:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-calls-on-senate-to-confirm-joe-gormley-as-president-of-ginnie-mae/</loc>
		<lastmod>2025-10-29T13:44:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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		<loc>https://www.ncsha.org/ncsha-news/ncsha-endorses-21st-century-road-to-housing-act/</loc>
		<lastmod>2026-03-06T20:13:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-endorses-housing-for-the-21st-century-act/</loc>
		<lastmod>2026-03-06T20:14:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-commends-house-of-representatives-passage-of-comprehensive-housing-bill/</loc>
		<lastmod>2026-03-06T20:15:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/ncsha-news/ncsha-statement-supporting-houses-updated-21st-century-road-to-housing-act/</loc>
		<lastmod>2026-05-15T16:36:22+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
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