Finances are a critical part in beginning the search for your North Florida dream home. By getting a handle on your income, expenses and debts, you will gain a much better idea of what you can afford and how much you need to borrow. In order for lenders to verify this information, they will need to look at your financial needs of each person that will be an owner of the house. Before you set foot in a financial institution, be sure to obtain copies of paycheck stubs, bank statements, tax records, dividends and investments, child support, and credit report.  Having these items in hand will ensure a more pleasant visit to the lender.