Including financing information in your offer also helps you protect yourself. If interest rates suddenly become unpredictable and increase quickly, you may be paying a mortgage payment much higher than you expected. By putting a maximum acceptable interest rate in the offer, you are protecting yourself in the instance that something like that happened.  The Jacksonville fl home seller will probably want to see that you have some flexibility in the financing terms you are willing to accept. If interest on Jacksonville Florida mortgage rates are presently at 8 % and you indicate this is the highest rate you will accept, you would be able to cancel the contract without penalty if interest rates rose beyond that point. This would cause the seller to undergo many difficulties and losses.