When you are thinking of buying a new Jacksonville Florida home, avoid making any major purchases, especially a new vehicle. If you do, you may have a difficult time getting a loan, or it could lower the amount you will be approved for. Be sure to watch the interest rates because if they start going up, you may want to make your move. In any situation, creating a budget now as if you have a mortgage payment and the monthly expenses that come with owning a home will help you decide if you can afford to buy now.  Gather all of your paperwork ahead of time, such as recent pay stubs, tax documents, and bank account statements to expedite your home buying process.