Applying for any type of new credit account often means that a person will need to look into how much debt he or she currently has and how much income is coming into the household. While it's common for companies offering a Florida home loan to suggest a mortgage level that the bank feels is appropriate for a particular borrower, some potential home owners might want to take a close look at income and current expenses because occasionally a bank will offer a mortgage number that is higher than what the person would feel comfortable paying.