Boxes get unpacked. The couch is in place. But a few small steps after move‑in can save money, protect your home and lower stress. Here is a simple checklist many new owners miss and how to knock it out fast.

1. Change the locks

You do not know who still has a key. Swap door locks or rekey them on day one. It gives peace a sense of peace of mind.

2. Find the main shut‑offs

Locate the water shut‑off valve and the breaker panel. Label them. In an emergency, seconds matter.

3. Test safety gear

Check smoke and CO alarms. Add a fire extinguisher for the kitchen. Replace old batteries now, not later.

4. Set up your mortgage the smart way

Enroll in auto‑pay to avoid late fees. Turn on alerts. Review how your monthly payment covers the loan, taxes and insurance so there are no surprises.

5. Update your address everywhere

File a change of address with USPS. Update banks, credit cards, your employer and your driver’s license. Subscriptions too. This keeps your credit clean and your mail safe.

6. Review your home insurance

Ensure the coverage aligns with the home you own today, not the one the previous owner had. Ask about bundling to save.

7. Build a “fix‑it” fund

Set aside a small amount each month for repairs. Even simple things like filters, bulbs and caulk can add up. A ready fund keeps you calm.

8. Make a simple care plan

Create a seasonal list: change HVAC filters, clean gutters, drain outdoor faucets and test sump pumps. A little routine avoids big bills.

9. Know your local rules

Learn trash and recycling days, parking rules and any HOA basics. It keeps fines away and helps you fit right in.

10. Save your papers

Scan closing papers, warranties and manuals. Store digital copies in the cloud. You will thank yourself later.

These small steps protect your home, your wallet and your time. If you need help setting up payments or understanding your statement, our mortgage team is here to make homeownership smooth from day one.