Before you visit the lender about your Jacksonville home purchase, there is some homework you should anticipate doing. Gather your paycheck stubs because lenders are most interested in your average income. They will probably want to know how much you have been bringing in over the preceding two years. Steady employment is also more attractive to lenders. Be prepared to produce copies of your bank statements. In order to qualify for your loan, they like to see a steady history of your savings, or at least that you are not bouncing checks every month. Tax Records are always a good idea to bring along, especially for those self employed looking to buy in North Florida.

Other documents you should take to your North Florida lender are dividends and investment records. They usually consider long-term investment dividends, as well as investment portfolio, when assessing your income. If you receive steady payments as part of a divorce settlement or child support, you can include this as part of your gross income. Bring copies of your divorce/court settlements confirming the amount of the payments. Finally, every lender will want to see a copy of a credit report and if not provided will most likely request to pull it or ask for the score.