🔑 What to Do After You Close On Your New Home 

Congratulations on your new home! 🎉 Closing day is a huge milestone—but now it’s time to transition smoothly, protect your investment, and stay financially fit. At The Loan Nerd, we’re here for you long after the ink dries. 

Here are our top tips for maintaining your home, your credit, and your peace of mind: 

🏠 Homeowner Basics: Move-In Must-Dos 

🔌 1. Transfer or Set Up Utilities 

• Make sure electricity, water, internet, gas, and trash services are activated before your move-in date. 

• Keep track of account numbers and payment due dates to avoid accidental late payments. 

🛡️ 2. Update Your Insurance Coverage 

• Ensure your homeowners insurance policy is active and fully covers your home and possessions. 

• Consider bundling with auto insurance for savings. 

🔒 3. Change the Locks & Security Settings 

• Always change the locks after closing. 

• Update keypad codes, garage door openers, and any smart home tech passwords. 

🧭 Safety First: Know Your Local Resources 

🚓 Locate Local Emergency Services 

• Save contact info and directions to the nearest hospital, urgent care center, police, and fire station. 

• Post this info where all family members can see it (e.g., fridge or home command center). 

📬 Update Your Address Everywhere 

• Notify the USPS, banks, credit cards, insurance providers, your employer, and subscription services. 

• Don’t forget to update your driver’s license and vehicle registration. 

💳 Post-Closing Credit Health Tips 

📉 1. Maintain Low Credit Utilization 

• Avoid racking up high balances on credit cards after moving in (furniture shopping can wait!). 

• Keep usage under 30% of your available credit—under 10% is ideal. 

⏱️ 2. Keep Paying On Time—Always 

• Payment history makes up 35% of your credit score. Set up auto-pay for mortgage, utilities, and credit cards. 

• Even one missed payment can hurt your score, so stay organized! 

📈 3. Monitor Your Credit Regularly 

• Use free services like Credit Karma, Experian, or your bank’s monitoring tools. 

• Watch for identity theft and make sure your mortgage and new address are reporting correctly. 

🔧 Preventative Home Maintenance = Long-Term Savings 

🧼 Seasonal Tasks 

• Replace HVAC filters, inspect the roof, clean gutters, and check smoke/carbon monoxide detectors regularly. 

💧 Watch for Water Issues 

• Check under sinks, around toilets, and in your basement for leaks or excess moisture. 

📝 Start a Homeowner Journal 

• Track repairs, maintenance, appliance warranties, and upgrades in one place. It’ll come in handy if you refinance or sell! 

🤝 The Loan Nerd Is With You for the Long Haul 

Whether it’s time to refinance, buy again, or just ask a credit question—we’re here for you. 

📞 Need Help or Have a Question? 

Call us at (832) 852-5626

The Loan Nerd – Smarter Mortgages. Lifelong Support. 🧠🏡