<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/7b985ce1555849f8a2778d9e8760bd82&quot; frameborder=&quot;0&quot; width=&quot;1822&quot; height=&quot;1366&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1366</height><width>1822</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1366</thumbnail_height><thumbnail_width>1822</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/7b985ce1555849f8a2778d9e8760bd82-5c8cec2034d9dbeb.gif</thumbnail_url><duration>959.748</duration><title>Essential Guide for First-Time Homebuyers: Navigating the Mortgage Process</title><description>In this video, I guide first-time homebuyers through the mortgage process to ensure a smooth experience. I emphasize the importance of getting pre-approved before shopping for a home, as many buyers make the mistake of falling in love with a property they can&apos;t afford. I explain how lenders assess your credit, income, and assets, and clarify common misconceptions about the process. I also highlight the significance of understanding closing costs and how to potentially offset them with credits. If you have any questions about getting pre-approved or are looking to buy or refinance a home, please reach out to me.</description></oembed>