When I first spoke with them and asked if they are a lender, the response is "we do make loans," or something along those lines, but it was not disclosed that they are in actuality a broker.

If you aren't sure who to choose from, ask each of them for a meeting/consultation to break down your goals, the market, and the acquisition process.Once you've selected one, have them draft the offer for you and take it from there.The best agents are responsive, knowledgeable on the local market, have a strong supporting team (i.e. lenders, title, inspectors, title, etc.), and know how to put together a deal.As @Michael K Gallagher mentioned, you'd want to clarify whether or not your agent is also representing the seller.

The owner is responsible.

Hey Henrry, I appreciate your response and I think setting up a website sounds like a great strategy that I never really thought about.

Getting pre approved and establishing a relationship with a lender is super crucial.

We know that we most likely will not get any responses, but let's see what happens! 

I'm overwhelmed with all the responses.

Appreciate your response!

Let me know of your progress if you would, and we'll both keep an eye out for further responses to this thread.

Either of your scenarios can work.I believe that @Beth Johnson makes these loans and might have something to add.Thank you for the response and the connect!