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real estate investment loan - "Mortgage Facts" So you want to buy a home but you don't know what you can afford. Unless you're a multi-millionaire, the first thing you need to do is talk to a mortgage loan officer. Getting pre-qualified for a loan gives you an idea of what you can afford in a home. It is an estimate of what the bank would be willing to loan you, based on your income. real estate investment loan - "Getting The Right Mortgage" Getting the right mortgage can be a tricky process. There are so many different lenders available in any state or town, offering any number of different mortgage options. In finding a mortgage that is right for you, it's a good idea to investigate not only the mortgages themselves, but the lenders as well.