Hashem is the one that provides the opportunity to get the loan. Part of man's free will and the hishtadlut that we do is to push beyond the limits and move to the next level no matter what that is (learning, working, building deeper relationships, etc.). Hashem provides what we need but we are still required to work for it. If a person applies for a loan and is rejected then that also says something - that maybe it isn't the right time and that Hashem doesn't feel you need it at this point. Since it's in people's nature to constantly want more, when they put in their hishtadlut and Hashem provides the avenue, then it is part of what Hashem is providing for the person.
Would taking out loans to buy real estate show that a person does not trust that what they have right now is exactly what they need? On the other hand, if Hashem gives you what He thinks you need (materially), then if He makes it possible for you to get the loans from the bank and buy the real estate, He must feel you need it, no?