Congratulations, homeowner! You made it through the paperwork, the inspections, the nerves, the signatures—and now the keys are officially yours.
But once the excitement settles and the moving boxes start to pile up, many new homeowners find themselves asking: “Okay… now what?”
Here’s a helpful checklist of what to do after you close, so you can protect your investment, stay organized, and settle in like a pro.
1. Change the Locks
Even if you trust the seller, you never know who else has a copy of your keys—from past dog walkers to contractors to neighbors. Schedule a locksmith (or DIY) and change the locks on all exterior doors ASAP.
Tip: Don’t forget garage codes, smart locks, or alarm systems—reset them all.
2. Set Up (or Transfer) Utilities
Make sure your electricity, gas, water, trash, internet, and any other services are transferred to your name for your move-in date. Keep a list of contact numbers just in case you run into issues during your first few days.
Tip: Schedule internet install early—it’s one of the first things people miss!
3. Update Your Address
It’s time to let the world know you’ve moved. Here’s where to update your address:
- USPS (forwarding lasts 12 months)
- Banks & credit cards
- Driver’s license / DMV
- Employer / payroll
- Subscriptions (Amazon, meal kits, etc.)
- Friends & family
Tip: Keep an eye on your mail for anything you forgot to update.
4. Get Your Final Closing Documents
After closing, your lender or title company should send your final Closing Disclosure, promissory note, deed, and other signed docs. Keep these in a safe place—you’ll need them for taxes or future refinancing.
Digital & hard copy is best. Consider a fireproof folder or safe.
5. Start a Home Maintenance Routine
Owning means maintaining. Set up a basic home maintenance calendar so small issues don’t become big ones:
- Change HVAC filters (every 1–3 months)
- Test smoke & CO detectors
- Clean gutters (spring & fall)
- Schedule HVAC tune-ups
- Check for leaks, cracks, and pests seasonally
Tip: Keep a “home binder” or digital file with warranties, receipts, and contractor info.
6. Set Up Mortgage Payments & Escrow
Most mortgage payments start the month after you close. Set up autopay through your lender’s portal and verify your escrow account is set for property taxes and homeowners insurance.
First bill surprise? It might be mailed instead of emailed—check your loan docs for timing.
7. Plan for the Unexpected
Now’s the time to:
- Build or replenish your emergency fund
- Consider a home warranty if one didn’t come with your purchase
- Review or get life insurance to protect your family and home
Reality check: Things break. Budgeting for repairs now will save headaches later.
8. Make It Yours!
You did the hard part—now make your home feel like home:
- Paint the walls
- Hang your favorite art
- Plant a garden or decorate your porch
- Host your first housewarming
Most buyers say it takes 6+ months before a house feels like home. Take your time—enjoy the process!
Final Thoughts
Closing day may be the finish line of the buying process—but it’s just the beginning of your journey as a homeowner. Whether it’s handling maintenance, budgeting for upgrades, or finally hanging that gallery wall, we’re still here for you.
If you ever have questions about refinancing, remodeling, or your next move—we’re just a call away.
205.358.3423 | [email protected] | NMLS # 2662452
Welcome Home! You earned this.
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