Not only is there always an owner (even if a brief ad or listing was not the place to list all the details), your probably don't care who the owner is. Your questions is, "Can I get better financing (for my situation) than elsewhere. "Loan Terms" cover so much more than amount and interest rate, and the best financing for me may not be the best financing for you. That doesn't mean that either you or I are "wrong", it's just a symptom of how varied individuals and financing are today.
When I bought my first house (1964) everyone put 20% down on a 30-year fixed rate loan. Period. Today there is such a variety of financing terms available that I don't even try to stay current. I know a couple of good mortgage brokers to recommend for my clients, and that's much better for my clients than me trying to be current on it all. Real estate is complicated and fast changing enough - I can't be a good Realtor and a good Mortgage Broker at the same time.