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NowICanBuy with Dwight Williams Professional Credit Counseling Service Provider. If you are looking into buying a home, a home mortgage might be the most viable option for you. It is an important investment which will affect you for a considerable portion of your life. A home mortgage is a loan which you can take out when purchasing a primary or investment residence. NowICanBuy Baltimore Homeownership Program best service provider. When you get a mortgage usually it will take 20-30 years to pay off the principal as well as the interest. You will get a bill every month, thereby paying off the loan over time. – PowerPoint PPT presentation