How to request a loan from a bank to purchase a home.

[Juan Alvarez]

Hello, I am fairly new to real estate investing. I have been doing a lot of reading and listening to Podcast, but the most simplistic questions are not being answered. 1. Do you speak to a lender (bank) to check and see if you pre qualify for a loan before you even start looking to purchase a protety? 2.HOW ARE CLOSING COST CALCULATED? 3. CAN I MAKE AN OFFER TO An AGENT IR HOMEOWNER AND THEN SPEAK WITH A LENDER? I APOLOGIZE FOR THE CAPS. MY KEYBOARD IS ACTING WEIRD. THANK YoU, JUAN A.