You’ve spent countless hours on Zillow, Pinterest, and watching HGTV and you think you know what it is you want, but you’re not entirely sure how to get it. You determine you need a loan, but you’ve never taken out a loan of this magnitude. You fear rejection, you fear being under prepared for the conversation with a loan officer. Good news! The bank wants to loan you money! That’s how banks work; they make money on funds they loan out and they need homebuyers just as much as homebuyers need them.