A homebuyer needs to obtain a home loan to close on a house. Who should the homebuyer contact to get the best loan terms?

1. A mortgage broker since a broker can work with multiple lenders at once.

2. A large commercial bank since these banks can obtain money at a cheaper rate.

3. The seller of the property since the seller can offer a purchase money mortgage with flexible loan terms.

4. A hard money lender since they can create a custom loan package for the homebuyer.