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			<video:title><![CDATA[Michael Anthony Lloyd &amp; The HomeHappy Team @ Canadian Mortgage Experts, your BC Mortgage Experts]]></video:title>
			<video:publication_date>2026-05-31T17:02:57-07:00</video:publication_date>
			<video:description><![CDATA[For over twenty-five years, Michael Lloyd has been helping families navigate the complex world of mortgages. While big lenders treat a file as just a dry mat...]]></video:description>
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			<video:duration>91</video:duration>
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			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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	<url>
		<loc>https://homehappy.ca/bc-mortgage-renewal-strategy/</loc>
		<video:video>
			<video:title><![CDATA[Acorn Law: Wills &amp; Estate Planning]]></video:title>
			<video:publication_date>2024-10-01T08:00:22-07:00</video:publication_date>
			<video:description><![CDATA[Why do you need a will, Power of Attorney &amp; other Estate Planning?]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/vnJAu9et2tw</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/acorn-law-wills-estate-planning.jpg</video:thumbnail_loc>
			<video:duration>165</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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		<video:video>
			<video:title><![CDATA[Consolidate Debts, Save Money, and Simplify]]></video:title>
			<video:publication_date>2024-01-13T13:25:04-08:00</video:publication_date>
			<video:description><![CDATA[Introduction to debt repositioning...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/it7gMrAZQ90</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/consolidate-debts-save-money-and.jpg</video:thumbnail_loc>
			<video:duration>92</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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		<video:video>
			<video:title><![CDATA[Mortgage Renewal...What to Do]]></video:title>
			<video:publication_date>2024-06-28T13:29:47-07:00</video:publication_date>
			<video:description><![CDATA[Many people wonder about the best strategy at mortgage renewal time...here is some advice...]]></video:description>
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			<video:duration>56</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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		<video:video>
			<video:title><![CDATA[Chasing Rates...looking in the wrong places!]]></video:title>
			<video:publication_date>2026-02-11T16:23:34-08:00</video:publication_date>
			<video:description><![CDATA[Looking online for the cheapest rate is messy.  Bait &amp; Switch is everywhere!The HomeHappy Mortgage Team is here to make your home dreams come true.  Whether ...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/C0TkMgOXR2E</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/chasing-rates-looking-in-the-wro.jpg</video:thumbnail_loc>
			<video:duration>45</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Debt Consolidation Plan with the HomeHappy Team...end your stress!]]></video:title>
			<video:publication_date>2025-09-14T17:24:41-07:00</video:publication_date>
			<video:description><![CDATA[Living with a bunch of debt, making payments to all the different credit cards, LOCs, loans can make for a depressing life.  We have a solution.The HomeHappy...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/SO4N1iaQI30</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/debt-consolidation-plan-with-the.jpg</video:thumbnail_loc>
			<video:duration>53</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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		<video:video>
			<video:title><![CDATA[HomeHappy Team 2026 Rates Forecast #mortgagerates]]></video:title>
			<video:publication_date>2026-02-18T10:01:16-08:00</video:publication_date>
			<video:description><![CDATA[Key Takeaways:-  2026 will be a tough year for most British Columbians, as we are in a near recession, a tariff war, and there is little positive news on the...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/657H9UrlBQI</video:player_loc>
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			<video:duration>226</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Refinance at Renewal?]]></video:title>
			<video:publication_date>2024-10-30T12:49:43-07:00</video:publication_date>
			<video:description><![CDATA[When you mortgage is up for renewal, do you have options?  What about using equity to consolidate your debts, or??]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/uYVhFZcqKqY</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/refinance-at-renewal.jpg</video:thumbnail_loc>
			<video:duration>23</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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	<url>
		<loc>https://homehappy.ca/bc-first-time-home-buyer/</loc>
		<video:video>
			<video:title><![CDATA[Video Placeholder]]></video:title>
			<video:publication_date>2019-01-23T01:41:21-08:00</video:publication_date>
			<video:description><![CDATA[Bekijk je favoriete video's, luister naar de muziek die je leuk vindt, upload originele content en deel alles met vrienden, familie en anderen op YouTube.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/XHOmBV4js_E</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/video-placeholder-3.jpg</video:thumbnail_loc>
			<video:duration>16</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[The HomeHappy Mortgage Team...start building your story!]]></video:title>
			<video:publication_date>2024-10-15T16:00:06-07:00</video:publication_date>
			<video:description><![CDATA[Meet the HomeHappy Mortgage Team, we are different!  We want to help you to build your story!  By listening to your needs, encouraging your dreams, working t...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/gkc4ZXSDzPk</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/the-homehappy-mortgage-team-star-23.jpg</video:thumbnail_loc>
			<video:duration>119</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Home Stories with Bradley &amp; Stella]]></video:title>
			<video:publication_date>2024-11-12T08:00:06-08:00</video:publication_date>
			<video:description><![CDATA[Join us for small stories about people we all know...and how we helped them to live happy!]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/zJaf54a_tWo</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/home-stories-with-bradley-stella.jpg</video:thumbnail_loc>
			<video:duration>70</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Acorn Law explaining the Purchase process...]]></video:title>
			<video:publication_date>2024-10-08T00:00:06-07:00</video:publication_date>
			<video:description><![CDATA[You write your offer, it's accepted, and subjects are now removed...what happens next?  Dani Brito from Acorn Law explains...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/uOV-slFAX2A</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/acorn-law-explaining-the-purchas.jpg</video:thumbnail_loc>
			<video:duration>107</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[HomeHappy Team 2026 Rates Forecast #mortgagerates]]></video:title>
			<video:publication_date>2026-02-18T10:01:16-08:00</video:publication_date>
			<video:description><![CDATA[Key Takeaways:-  2026 will be a tough year for most British Columbians, as we are in a near recession, a tariff war, and there is little positive news on the...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/657H9UrlBQI</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/homehappy-team-2026-rates-foreca.jpg</video:thumbnail_loc>
			<video:duration>226</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-move-up-buyer-strategy/</loc>
		<video:video>
			<video:title><![CDATA[5-Step BC Move-Up Buyer Strategy for a Seamless Upgrade]]></video:title>
			<video:publication_date>2026-05-18T15:24:38-07:00</video:publication_date>
			<video:description><![CDATA[Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/MHgq7-jZmc0</video:player_loc>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[5-Step BC Move-Up Buyer Strategy for a Seamless Upgrade]]></video:title>
			<video:publication_date>2026-05-18T15:24:38-07:00</video:publication_date>
			<video:description><![CDATA[Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/9XR74z04kk0</video:player_loc>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[5-Step BC Move-Up Buyer Strategy for a Seamless Upgrade]]></video:title>
			<video:publication_date>2026-05-18T15:24:38-07:00</video:publication_date>
			<video:description><![CDATA[Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/657H9UrlBQI</video:player_loc>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-mortgage-management-tool/</loc>
		<video:video>
			<video:title><![CDATA[BC Mortgage Management Tool | HomeBrew Custom Strategy]]></video:title>
			<video:publication_date>2026-05-23T12:07:32-07:00</video:publication_date>
			<video:description><![CDATA[Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/BbxZWRg926A</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/HomeBrewLargeLayout.webp</video:thumbnail_loc>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-real-estate-investor-strategy/</loc>
		<video:video>
			<video:title><![CDATA[Acorn Law explains Assignments, being a Guarantor, ILA and more!]]></video:title>
			<video:publication_date>2024-10-22T08:00:06-07:00</video:publication_date>
			<video:description><![CDATA[When buying a home there are a lot of new terms you may run across...Dani Brito from Acorn Law covers a few of these with Dallas Crick of Hilbert &amp; Crick Rea...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/uxkTbT9PMlE</video:player_loc>
			<video:thumbnail_loc>https://img.youtube.com/vi/uxkTbT9PMlE/maxresdefault.jpg</video:thumbnail_loc>
			<video:duration>117</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[HomeHappy Team 2026 Rates Forecast #mortgagerates]]></video:title>
			<video:publication_date>2026-02-18T10:01:16-08:00</video:publication_date>
			<video:description><![CDATA[Key Takeaways:- 2026 will be a tough year for most British Columbians, as we are in a near recession, a tariff war, and there is little positive news on the...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/657H9UrlBQI</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/homehappy-team-2026-rates-foreca-2.jpg</video:thumbnail_loc>
			<video:duration>226</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-reverse-mortgage-strategy/</loc>
		<video:video>
			<video:title><![CDATA[Payment Optional Mortgages...wait, what?]]></video:title>
			<video:publication_date>2024-12-11T13:00:31-08:00</video:publication_date>
			<video:description><![CDATA[Many people focus on paying their house off completely as they move towards retirement.  That is the ideal scenario, but for many, being house rich and cash ...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/wE-6O9CBFZM</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/payment-optional-mortgages-wait-.jpg</video:thumbnail_loc>
			<video:duration>79</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Home Stories with Sandra and Art]]></video:title>
			<video:publication_date>2024-11-14T10:07:52-08:00</video:publication_date>
			<video:description><![CDATA[Join us for small stories about people we all know...and how we helped them to live happy!]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/VGjFkoZA6NU</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/home-stories-with-sandra-and-art.jpg</video:thumbnail_loc>
			<video:duration>58</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[How can Parents help their kids buy a home?]]></video:title>
			<video:publication_date>2024-10-02T14:00:22-07:00</video:publication_date>
			<video:description><![CDATA[A growing area of mortgage financing is geared to the Boomer generation, many who are rich in equity, but cash poor.  We have many various solutions that can...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/N2WDy8RNHZ4</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/how-can-parents-help-their-kids-.jpg</video:thumbnail_loc>
			<video:duration>48</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Meet the lender CHP]]></video:title>
			<video:publication_date>2024-01-28T07:00:07-08:00</video:publication_date>
			<video:description><![CDATA[Our introduction to HomeEquity Bank, famous for their Reverse Mortgages.  Many think Reverse Mortgages are a bad thing...while they aren't for everyone, they...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/aR1bkOpEW0U</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/meet-the-lender-chp.jpg</video:thumbnail_loc>
			<video:duration>838</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-mortgage-calculator/</loc>
		<video:video>
			<video:title><![CDATA[The HomeHappy Mortgage Team...start building your story!]]></video:title>
			<video:publication_date>2024-10-15T16:00:06-07:00</video:publication_date>
			<video:description><![CDATA[Meet the HomeHappy Mortgage Team, we are different!  We want to help you to build your story!  By listening to your needs, encouraging your dreams, working t...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/gkc4ZXSDzPk</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/07/the-homehappy-mortgage-team-star-4.jpg</video:thumbnail_loc>
			<video:duration>119</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
	</url>
	<url>
		<loc>https://homehappy.ca/bc-first-time-home-buyer-tips/</loc>
		<video:video>
			<video:title><![CDATA[FTHB Wealth Trifecta]]></video:title>
			<video:publication_date>2026-05-11T19:04:33-07:00</video:publication_date>
			<video:description><![CDATA[Discover the FTHB Wealth Trifecta. Learn how first-time home buyers in BC can use smart mortgage structures to build long-term real estate wealth safely.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/w_RlBLgIpGk</video:player_loc>
			<video:thumbnail_loc>https://i9.ytimg.com/vi_webp/w_RlBLgIpGk/mq1.webp?sqp=CLyt-9EG-oaymwEmCMACELQB8quKqQMa8AEB-AH-CYAC0AWKAgwIABABGH8gUigcMA8=&#038;rs=AOn4CLAYffn9IwHtTWYuaPOpabqr1wdV3g</video:thumbnail_loc>
			<video:duration>42</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Acorn Law explaining the Purchase process...]]></video:title>
			<video:publication_date>2024-10-08T00:00:06-07:00</video:publication_date>
			<video:description><![CDATA[Watch Acorn Law break down the BC property purchase process. Learn how legal alignment protects your real estate investments and secures a smooth closing.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/uOV-slFAX2A</video:player_loc>
			<video:thumbnail_loc>https://i9.ytimg.com/vi_webp/uOV-slFAX2A/mqdefault.webp?v=66f08d69&#038;sqp=CLyt-9EG&#038;rs=AOn4CLBcbgwv12hX9FxOOqfOOyOsxlWLVw</video:thumbnail_loc>
			<video:duration>107</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
		</video:video>
		<video:video>
			<video:title><![CDATA[Acorn Law: When to involve the lawyer in your purchase...explained.]]></video:title>
			<video:publication_date>2024-10-15T08:00:06-07:00</video:publication_date>
			<video:description><![CDATA[Dani Brito from Acorn Law explains to Dallas Crick of Hilbert &amp; Crick Real Estate when to get your lawyer involved in the purchase process &amp; why.]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/8Dq-AT-F6hQ</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/acorn-law-when-to-involve-the-la.jpg</video:thumbnail_loc>
			<video:duration>91</video:duration>
			<video:family_friendly>yes</video:family_friendly>
			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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			<video:title><![CDATA[Acorn Law: Wills &amp; Estate Planning]]></video:title>
			<video:publication_date>2024-10-01T08:00:22-07:00</video:publication_date>
			<video:description><![CDATA[Why do you need a will, Power of Attorney &amp; other Estate Planning?]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/vnJAu9et2tw</video:player_loc>
			<video:thumbnail_loc>https://homehappy.ca/wp-content/uploads/2026/06/acorn-law-wills-estate-planning.jpg</video:thumbnail_loc>
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			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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			<video:title><![CDATA[House of Commons Finance Committee on Housing &amp; Real Estate 2017.]]></video:title>
			<video:publication_date>2026-05-31T12:42:04-07:00</video:publication_date>
			<video:description><![CDATA[In February 2017, Michael Anthony Lloyd testifies as an expert witness in the House of Commons Standing Committee on Finance reviewing recent mortgage rule c...]]></video:description>
			<video:player_loc>https://www.youtube.com/embed/Qrr0SFqi5Ac</video:player_loc>
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			<video:uploader info="https://homehappy.ca/author/ciypdbnoti/">Michael Lloyd</video:uploader>
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