When you go to a lender for a North Florida mortgage loan, they will review your loan package for approval. They are concerned with the source of funds for your down payment and closing costs. More than likely, you will be asked to provide statements for the last two or three months of your liquid assets. This includes checking and savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts. Moving money around in accounts may leave you with large deposits and withdrawals in some of them. The lender may require paper trails of all the withdrawals and deposits. Moving your money around before you apply for a Jacksonville FL loan is probably not the best idea, even if you are doing it to make things easier.