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    <loc>https://www.andoverclt.org/humans-of-act/peter-magee</loc>
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    <loc>https://www.andoverclt.org/humans-of-act/vonne-homeowner</loc>
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    <loc>https://www.andoverclt.org/humans-of-act/michael-glts-senior-in-carpentry</loc>
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    <loc>https://www.andoverclt.org/humans-of-act/susan-stott-act-founder</loc>
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    <lastmod>2021-02-04</lastmod>
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    <loc>https://www.andoverclt.org/humans-of-act/jonathan-glts-senior</loc>
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    <lastmod>2021-02-04</lastmod>
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  <url>
    <loc>https://www.andoverclt.org/humans-of-act/iverson-glts-junior-in-plumbing</loc>
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    <priority>0.5</priority>
    <lastmod>2021-02-13</lastmod>
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  <url>
    <loc>https://www.andoverclt.org/humans-of-act/yeribel-glts-junior-in-carpentry</loc>
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    <lastmod>2021-02-04</lastmod>
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  <url>
    <loc>https://www.andoverclt.org/humans-of-act/category/Student</loc>
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  <url>
    <loc>https://www.andoverclt.org/humans-of-act/tag/student</loc>
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  <url>
    <loc>https://www.andoverclt.org/zoning-blog</loc>
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    <lastmod>2022-07-12</lastmod>
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  <url>
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    <lastmod>2023-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/zoning-blog/zba-board-members</loc>
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    <lastmod>2022-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/zoning-blog/zba-not-a-zebra</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-23</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/zoning-blog/get-in-the-zone</loc>
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    <lastmod>2022-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612453696369-JXACEDS3SYXZ3B3MX841/Family+in+kitchen.jpeg</image:loc>
      <image:title>Home - “We wanted stability in owning a home and yet at the same time we didn’t want to get ourselves overextended. This is our forever home.”</image:title>
      <image:caption>— ACT homeowner</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612217349643-XCJXSR0T5QSMOAX5A7E1/100s+of+GLTS+students+trained%2C+13+family+homes+built%2C+100s+of+homeowners+connected+with+homes+and+services</image:loc>
      <image:title>Home - Our Impact</image:title>
      <image:caption>Andover Community Trust advocates for and develops homes that families can afford in the Andover community. We work hand-in-hand with Greater Lawrence Technical School, providing the sites where students can build their skills in carpentry, electrical, plumbing and HVAC while they build high-quality, architect-designed homes. We have developed 13 permanently affordable homes. And more than homebuilding, we foster and promote community-wide education, interest and involvement in affordable housing matters. And we help individual homeowners and renters in affordable housing connect with the community and the services they need. Our focus is on preserving affordability over the long term and welcoming families to a strong, thriving community.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612128148559-SUF36518QM15G49AJNL5/Riverside+Woods</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612128496019-SPL7SR6RWQAVC8O9NZE7/crowd+at+building+site+on+Lupine+Road</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612128840007-413J5GHNQH7M2TF4K6UW/door+in+front+of+forest</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1654017956962-JD5GUKWXUA54AS5QT91F/Cummings+Grant+2022.jpeg</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612129401667-0YXB1DBDK9Y70KHM2HYY/working-together</image:loc>
      <image:title>Home - Beginning with its first home in 1999, ACT has partnered with Greater Lawrence Technical School (GLTS)building homes and fueling learning.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/165eaa66-32d4-4af2-94d8-2b4dbe21df6e/ACT_30th+Anniversary+Logo_no+background.png</image:loc>
      <image:title>Home - 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.andoverclt.org/available-homes-summary</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-07-19</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/impact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612281156376-H1QF1O10II3K7OM4JAHC/100s+of+GLTS+Students+have+been+trained%2C+13+family+homes+have+been+built+and+100s+of+homeowners+have+been+connected+with+services+and+opportunities+for+affordable+housing</image:loc>
      <image:title>Impact</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612282385867-4GN6V2A76G5TGKGJXOZ2/John+LaVoie+speaking+in+front+of+home+under+construction+with+student+builders+in+hard+hats+and+Town+Manager+in+background</image:loc>
      <image:title>Impact - “This opportunity also allows our students to build those skills right on site that would not be possible if it weren’t for a building project such as this. Simulating and doing mockups at school are not the same as coming out on the project and working in the environment.”</image:title>
      <image:caption>John LaVoie GLTS Superintendent</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/take-action</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2022-04-13</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/welcome</loc>
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    <lastmod>2022-01-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/e94fe2ca-d5ae-4875-b984-b7b8792e83b1/ACT_30th+Anniversary+Logo_11.16.jpeg</image:loc>
      <image:title>Welcome - 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/v1/600713c89b0ea11b37a39f6a/1612307195678-B8SFXM1FC2NI5GFF9NVL/Norm+Rice</image:loc>
      <image:title>Welcome</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612307459824-RJC7ZB5ZFMWJC08H8G9Y/signature</image:loc>
      <image:title>Welcome</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/do-i-qualify</loc>
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    <lastmod>2021-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/join-act-home-interest-list</loc>
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    <lastmod>2024-09-27</lastmod>
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  <url>
    <loc>https://www.andoverclt.org/financial-assistance</loc>
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    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/overview</loc>
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    <priority>0.75</priority>
    <lastmod>2023-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1611851576281-QYUN0X7T1J63O70R2ADF/Family+in+front+of+home+porch.jpeg</image:loc>
      <image:title>Overview - Housing is about much more than buildings. It’s about home, community, health, resilience and equity.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612449990760-Z5Y0T20HWT03A06GYAJ4/where-people-live-matters.png</image:loc>
      <image:title>Overview</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1611942983370-M0DA4VATYW79GYY1ARUX/cost+of+living+graph.png</image:loc>
      <image:title>Overview - The home ownership cost of living in Essex County is 50% higher than for the U.S. as a whole. According to the federal census bureau, the median property value in Essex County is 5.4 times the median household income while for the United States as a whole that ratio is about 3.6 times. This means that Essex County housing is much less affordable for prospective residents. The heart of ACT’s work is the creation of homes that remain permanently affordable, providing homeownership opportunities for generations of lower income families. Homeownership is more than the primary means of wealth building for families in the United States. Homeownership provides stability for a family. Landlords won’t increase rental rates unexpectedly. An address remains stable for years rather than for months. Children can remain in the same school.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/homebuyer-courses</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-08-16</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/who-we-are</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/047d3d71-b735-4294-8058-b652ea97cd62/Denise+in+Andover</image:loc>
      <image:title>Who We Are</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1633964486788-LKOPSV9A8HXGWTB95CXM/Blake+Martin.jpeg</image:loc>
      <image:title>Who We Are</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/mission</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612029890785-7U9EYME9DJXHV2O27KC0/CLT-video.jpeg</image:loc>
      <image:title>Mission - Learn what a community land trust is in this Grounded Solutions Network video</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1612306775807-DOFD53C7IO3W8T9DVMFU/ACT+history+a+quick+look+1992+founded+2021+7+homes+completed+6+homes+in+progress+100s+of+homeowners+served</image:loc>
      <image:title>Mission</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/myth-busters</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-06-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1622826417764-L99JC5TKE1LUZMSZ1TS1/Bancroft+school+in+the+winter</image:loc>
      <image:title>Myth Busters - Aligned with Strong School Systems.</image:title>
      <image:caption>From 2010 to 2016 housing units went up by 4.75% in Andover while the school enrollment declined 2.74%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1622827082747-RMHXTP1BZWTN76WAO1K3/white+flowers.jpeg</image:loc>
      <image:title>Myth Busters - A Climate Solution.</image:title>
      <image:caption>Massachusetts Climate Action Network and Boston Society of Architects shared a 4-part series on how affordable housing is an integral part of a climate solution.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1611937341018-385M2YXHZJ4OZ9ER3E24/white+house.jpeg</image:loc>
      <image:title>Myth Busters - A Benefit to Property Values.</image:title>
      <image:caption>Affordable housing does not depress neighboring property values, and may even raise them.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/newsletters</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/d1f11666-e05c-4908-a64e-454b590338f0/Screenshot+2025-06-11+at+6.22.58%E2%80%AFPM.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>January 2025 Newsletter</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1ddfd128-5fff-412c-946f-1b88e48ee62f/ACT+Newsletter+April+2024.jpeg</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>April 2024 Newsletter</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/84b82ab3-1fca-4898-98fc-f00c2b74eb04/ACT+Feb+2024+newsletter.jpeg</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>February 2024 newsletter</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/7c46253c-d51b-4ce0-ac75-9631e6644227/ACT+Dec+2023+newsletter.jpeg</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>December 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/210da872-3bdf-4147-8fad-7bcbcd2d40dc/ACT+My+News.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>May 2023 newsletter</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1fbf3a72-8e6d-4413-ae2c-fff10756af27/March+ACT+news.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>March 2023 Newaletter</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/a5240a06-7e9e-4900-aa9b-b4af363e004c/ACT+January+2023+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>January 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/a9063505-afc8-4180-bff6-0153471aa5c8/November+ACT+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>November 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/b0a2e458-9114-48fd-b8d1-cd7fa9331164/ACT+Sept+2022+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>September 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/20bd9ced-d170-4acf-b596-ce2fc19adf73/ACT+July+2022+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>July 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/4b17bf51-4597-4cb5-a013-02b054e6f1b4/ACT+June+2022.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>June 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/d7b57d3a-d94c-459b-974b-68248c241edf/May+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>May 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/7520008d-f5cd-4ca8-aadb-ebf5401d51fb/ACT+April+2022+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>April 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/cd633e6d-0577-43e0-8782-1421c33c4d54/ACT+March+Newsletter+2022.jpeg</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>March 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/49c8a01b-d65f-4f88-9722-dbc879de26c2/ACT+Feb+2022+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>Feburary 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/600713c89b0ea11b37a39f6a/1641396889243-IP4ZJ5WC0J4BFN4FWF65/ACT+Jan+2022+newsletter.png</image:loc>
      <image:title>Newsletters</image:title>
      <image:caption>January 2022</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.andoverclt.org/celebrating-our-30th</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-07-07</lastmod>
  </url>
  <url>
    <loc>https://www.andoverclt.org/zoning</loc>
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    <priority>0.75</priority>
    <lastmod>2023-10-06</lastmod>
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