Your first week
Start with safety and the basics, before the boxes are all unpacked.
- Change or rekey the locks, since you don't know who has old keys.
- Test smoke and carbon monoxide detectors, and replace batteries.
- Find the main water shutoff, the breaker panel and the gas shutoff, if you have one.
- Put utilities, internet and trash service in your name.
- Update your address with the post office, your bank and your employer.
Set up your mortgage account
Your closing documents show when and where your first payment is due and which company services your loan. Create an online account with that servicer, then consider setting up autopay to help you stay on schedule.
Your first payment is usually due on the first of the second month after closing. If your loan servicing moves to another company later, you'll get a written notice with the new servicer's details and where to send payments.
Check for property tax exemptions
Many areas offer exemptions or credits that can lower property taxes on a primary home. Some also have programs for seniors, veterans or people with disabilities. These usually aren't automatic. You may need to apply by a deadline. Rules vary by state and locality, so check with your county or city tax office.
Review your homeowners insurance
Read your policy now, while it's fresh. Look at your dwelling limit, deductibles and personal property coverage. Ask whether you'd want coverage for things a standard policy may exclude, like flood, earthquake or sewer backup. Take photos or a video of each room for your records. It makes a claim easier if you ever need one.
Start a maintenance calendar
Small, regular upkeep helps prevent big repairs. A simple calendar can remind you to:
- Change HVAC filters on schedule
- Clean gutters and check downspouts each season
- Test detectors and the sump pump, if you have one
- Book yearly service for heating and cooling
- Watch for leaks under sinks and around the water heater
Keep your closing documents
Store your Closing Disclosure, note, deed and title insurance policy somewhere safe, plus a digital copy. You'll want them for taxes, a future refinance and the day you sell. Keep receipts for improvements too, since they may matter for taxes when you sell. Ask a tax professional what to keep.
Watch for scams
New homeowners often get official-looking mail. Some offers charge a fee for a copy of your deed, which you can usually get from your local records office for little or nothing. Others pose as your lender. If something asks for money or account details, call your servicer at the number on your statement before you act.
