Seller financing with broker ?

[Tou V.]

Have a question about properties for sale by RE agents who are also offering owner financing?  Is it better to just go through listing agent or get my own agent to represent me?  Reasoning is they may be offering 3% to selling agent.  If I just work with listing agent, then obviously they'd get all 6%.  I've asked and listing agent says, they have a contract with owner for 6% total, which they're offering co-op of 3%.  What are the pros and cons?  Thanks.