<?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/f4b6b938b3ae4d21abcb1bd04c324ce6&quot; frameborder=&quot;0&quot; width=&quot;1878&quot; height=&quot;1408&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1408</height><width>1878</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1408</thumbnail_height><thumbnail_width>1878</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/f4b6b938b3ae4d21abcb1bd04c324ce6-00001.gif</thumbnail_url><duration>283.441</duration><title>Understanding Debt to Income Ratios</title><description>In this video, I explain the concept of debt to income ratios and how they can impact your ability to qualify for loans. I discuss the two types of debt to income calculations: the front end ratio, which considers only the new housing payment, and the back end ratio, which takes into account your current debts as well. I provide examples and guidelines for keeping your debt to income ratios within acceptable limits. By understanding these ratios, you can better assess your affordability and make informed financial decisions.</description></oembed>