Mortgage and Home Buying Blog

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Beautiful suburban home exterior on bright sunny day with green grass and blue sky
May 22, 2023 12:51 PM

by: Security First Financial, A Division of Primary Residential Mortgage, Inc.

Congratulations on becoming a homeowner! The feeling of owning your own home is truly exciting and liberating. However, amidst the joy, it's important not to overlook the responsibility that comes with it. Regular home maintenance is essential to ensure your investment remains in good shape and avoids potential issues down the line. In this blog post, we'll guide you through four essential dos and maybe-don'ts for home maintenance, helping you navigate this new chapter of homeownership.


DO: Save up for Home Maintenance:

Homeownership entails costs beyond mortgage payments. According to recent surveys, the average American homeowner spends approximately $3,000 annually on regular home upkeep and an additional $2,300 on unforeseen emergencies. To mitigate financial stress and potential neglect of maintenance tasks, it's crucial to have a designated savings account for home maintenance.

The amount you save depends on your projected costs and the condition of your home. Older homes typically require more upkeep, and factors like local climate may impact the frequency of major repairs. In cases where your maintenance fund falls short, consider exploring a home equity line of credit (HELOC) to access your home's equity for necessary repairs or improvements.


MAYBE DON'T: Put off repairs:

It's easy to procrastinate when it comes to fixing minor issues around the house. However, delaying repairs can lead to more significant problems and increased costs in the long run. For instance, a small leak may escalate into water damage or mold growth if left unattended. It's best to address issues promptly, even if it means dedicating some time and effort to tackle them.


DO: Make a Maintenance Plan:

Home maintenance goes beyond occasional deep cleaning. To ensure nothing slips through the cracks, it's wise to create a year-round plan encompassing simple, seasonal tasks. Breaking down maintenance activities into manageable chunks allows you to spread out the work and maintain a well-functioning home. Allocate specific weeks for tasks like patching shower grout, inspecting HVAC systems, or checking for pest infestations.


MAYBE DON'T: Forget the Yard!

While it's tempting to focus solely on the interior, neglecting yard maintenance can have repercussions. Besides enhancing curb appeal, a well-kept yard contributes to safety and avoids potential liabilities. Ensure tree branches are a safe distance from power lines and windows to prevent hazards. Familiarize yourself with city or HOA regulations regarding tree size and placement. In cooler climates, don't overlook preparing irrigation lines for winter to avoid costly repairs.



As a new homeowner, it's crucial to prioritize home maintenance to preserve your investment and avoid future issues. By following these dos and maybe-don'ts, you can ensure your home remains in optimal condition for years to come. Remember to save up for maintenance expenses, address repairs promptly, create a maintenance plan, and pay attention to your yard. With these practices in place, you'll have more time to truly enjoy your home and make lasting memories.

At Security First Financial, we strive to assist homeowners in their journey by providing mortgage solutions tailored to their needs. Contact our team today to explore how we can support you in achieving your homeownership goals.

Opinions expressed are solely my own and do not express the views of my employer.