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Mortgage & Home

Guide to Home Maintenance


For most of us, buying and owning a home is the biggest investment of time and money that we will ever make. Review our maintenance guide to help you make your home “sweet home”.

Home Maintenance Checklist

Change locks and/or add a deadbolt to all exterior doors
Copies of keys to your current locks could have been provided to family and friends of a previous homeowner or subcontractors and contractors of new construction homes.

Test smoke detectors and carbon monoxide detectors regularly
Although one of the most basic home maintenance tips, many homeowners neglect this important home maintenance step. The damage that may result from a non-working detector may be catastrophic. Test regularly according to the manufacturer’s instructions.

Change your furnace/HVAC filters regularly
Clogged filters can reduce the efficiency of your heating and cooling systems which will increase your energy bill, reduce your ability to effectively heat and/or cool your home, and possibly lead to damage to your furnace or HVAC unit(s).

Clean your gutters and roof regularly
Clogged gutters and roof debris may allow water to collect on the roof or near the foundation of your home. Excessive moisture may damage wood, siding, and shingles or create an environment that may attract wood destroying pests.

Wash exterior
Aside from mold and mildew being unsightly, the growth on the exterior can be damaging and negatively impact the appearance and property value of your home. Please note, some exteriors may not be suitable for power washing and a “soft” wash may be more appropriate.

Perform regular or periodic pest/termite inspections
Often the evidence of deterioration from wood destroying pests presents itself well after the problem has become severe. An annual wood destroying pest inspection is a beneficial proactive home maintenance task.

Trim back landscaping that may be in direct contact with your home
Trees and large shrubs that are next to your dwelling can damage shingles and increase moisture accumulation near the foundation of your home. Make sure trees and shrubs are pruned to avoid direct contact with your home; grading around these trees and shrubs should allow water to run away from your home’s foundation.

Check caulk in areas of rooms near faucets and drains
Caulking around sinks, bathtubs, toilets, and showers help prevent water from seeping into walls and underneath floor coverings. If water penetrates your walls and floors it can lead to damage and the growth of mold and mildew.

Consider home security and fire alarms
If you have recently installed a system, contact your homeowner’s insurance carrier. Many insurance companies offer a discount for homes with security systems.

Tips to fund home maintenance

Whether you just purchased or refinanced your home, you will undoubtedly find yourself needing to complete home maintenance or improvement projects. Unexpected expenses can occur and have a major impact on your budget.

Here are a few tips for finding affordable ways to help protect and improve your home:

  • Evaluate your budget and set aside a certain amount of money monthly in a savings or money market account to help pay for future maintenance needs.

  • If you made a down payment on your home purchase or had equity built into your home refinance, you may qualify for a home equity line of credit. A home equity line of credit may provide you a source of funds that can allow you to pay for major repairs and maintenance with an affordable loan payment.1

  • If you do not have the equity in your home for a home equity line of credit, you may want to consider a credit card with SECU. SECU offers a suite of credit cards featuring three distinct card options to help match your spending habits, reward preferences, and financial goals. Contact your local branch or read more for the current SECU Visa® credit card rate information and additional details.2