To lend or not to lend

I've got a meeting today with a mortgage specialist at my bank. Actually it's me and two of my friends who have a meeting. Never done anything like this before, so I really don't know what to anticipate. I'm guessing either a hearty laugh or a disapproving shake of the head. But anything could happen. I doubt she's gonna come right out and say, "take anything you like" however, something along the lines of, "we'll see if we can work something out" would be nice. I've got to admit, I'm a little nervous. The result of this meeting could impact the rest of my life, or at least start me down a path that could impact the rest of my life. Or, it could be a rude awakening into the realities of life. I'm praying it isn't the latter, but I'm keeping my expectations low. Anyway, I'll know soon enough and I'll keep you updated. I'll probably even have a tip or two on how not to negotiate for a mortgage.