Although the demand for housing has recovered after the economic crisis, it is not as high as before. Households continue to have high levels of financial debt. Household incomes are slowly increasing, but they are still relatively low to generate the significant savings needed to buy new homes. Credit policies, on the other hand, are significantly more cautious as credit institutions still have high levels of overdue loans to households and are thus reluctant to take new risks. Credit institutions also have a relatively large portfolio of real estate that they need to manage or sell, so credit institutions may be primarily interested in realizing existing assets but are reluctant to lend new loans to acquire or develop other properties. In Jekabpils it is most difficult to sell apartments in the price range from 7,000 to 10,000 euros. Mostly they are partially renovated apartments in average technical condition. This means that households cannot buy this type of housing through mortgage lending. Real estate valuation is an important part of the mortgage lending process. The main objective is to evaluate the possibilities of purchasing a home through mortgage lending in Jekabpils. The main tasks of the research are to determine the values of real estate. The researchers to identify and analyse the factors affecting the real estate market, to analyse estimate the housing market in the Jekabpils. The research evaluated similar apartment properties, determining their market values, explored potential mortgages for real estate registration, evaluated the choices made by the state support system when purchasing a home, and drew conclusions. Proposals have been developed based on the findings of the study.