<?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/d4b1ee3efc694666acd5dd1a905f1f59&quot; frameborder=&quot;0&quot; width=&quot;1924&quot; height=&quot;1443&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1443</height><width>1924</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1443</thumbnail_height><thumbnail_width>1924</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/d4b1ee3efc694666acd5dd1a905f1f59-00001.gif</thumbnail_url><duration>46.9025</duration><title>Understanding Seller Concessions in Conventional Loans</title><description>In this video, I explain how seller concessions work in conventional loans based on the down payment percentage. For less than 10% down, you&apos;re limited to 3% concessions, 10-25% down allows for 6%, and over 25% down permits up to 9%. Seller concessions can only cover closing costs, not the down payment. Feel free to reach out with any questions!</description></oembed>