Before you swipe your credit card, be sure you understand what affect it could have on you if you’re planning to buy a Jacksonville Florida home. Making a major purchase with a credit card can cost a potential home buyer. Every $100 you pay per month for credit card bills may cost you about $10,000 in home eligibility. For example, a car payment of $300 a month could mean you are not eligible for $30,000 more in a mortgage. Even if you have gathered enough savings, it is probably best to make a large purchase after closing. Considering buying a home in Jacksonville Fl, your mortgage pre-approval is subject to a final evaluation of your financial situation and the more debt you carry the less house you can buy.