As a new homeowner you may feel a bit overwhelmed when thinking about all of the responsibilities you have just gained. At times it may seem so daunting you don’t even know where to start. We rounded up a list of tips to help make your new homeowner status less daunting.
1. Change Your Locks: This should be one of the first things you do upon buying your home. You never know who has a key to your house, realtors, neighbors, family friends of the people who previously owned the house, etc. To get some piece of mind, change your locks right away.
2. Don’t Throw Away the Welcome Kit Sent to you by USPS: Upon filing for a change of address, USPS will send you a welcome kit, do not throw it away! It includes an official Postal Service change of address confirmation letter, so you’ll know that your mail will be delivered to your new address. Information on where to register your car and obtain a driver’s license, voter registration information, and the Internal Revenue Service procedures for filing a new address to receive tax return forms and/or refunds expeditiously. The welcome kit also has an important telephone numbers reference page that lists local phone numbers for post offices, libraries, emergency services and major government agencies, and a coupon book with tips for saving money on common home-related expenses; including money-saving coupons from national advertisers with instant access to over $750 in value.
3. Mark up Your Calendars a Year Out/Make a Birthday List: It is important to keep track of seasonal maintenance as well as installation days/updates. One tip is to make a seasonal schedule for routine maintenance such as, air filters, septic tank, plumbing, yard maintenance, gardening, spring cleaning, etc. Another tip is to make a birthday list in order to track when appliances, HVAC, roof, etc. were installed so you know when to reinstall/update them. This also helps when you are considering reselling your home so the buyer knows when everything was last updated. If you need some ideas on how to update your home consider checking out some of the Mariner Finance blogs on home improvement.
4. Go on a Scavenger Hunt: The fun part about purchasing your new home is finding everything that makes your home function it’s basically like an adult version of hide and seek. It is important to find where the main shutoff valves for gas and water, the power box, etc. are so in case of an emergency you are prepared. Water damage is one of the most common household insurance claims and if you know where your shutoff valve is when a pipe burst it just might save you a couple thousand dollars. Preparedness rather than reactiveness is better when it comes to owning a home.
5. Miscellaneous: These include figuring out where your property line is located, testing fire alarms and carbon monoxide detectors, figuring out the trash and recycling schedule, finding a reliable contractor, calling 811 before digging a hole, and researching the surrounding area (grocery stores, parks, restaurants, mechanics, etc. All of these items are important for a new homeowner. Some of these items do not need to be done immediately but in order to make the most of your home ownership; they all should be done within 30 days of moving into your new home.
Owning a home can be a stressful new experience however with the right precautions it can be extremely fulfilling and satisfying. Mariner Finance is here to help make personal loans – whether it’s a home improvement project, unexpected repairs, consolidating bills, or purchasing a new car, you can get the money you need from Mariner Finance. Stop by one of our convenient locations, or click here to apply for a personal loan today and trade your anxiety for satisfaction!
†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.