I always tell homeowners that December is the perfect time for a quick check-in—not just on your home itself, but on your mortgage, your insurance, and your overall home goals. We get so busy during the year that it’s easy to let important tasks slip through the cracks. This simple checklist will help you stay ahead, save money, and make sure you’re starting 2026 in a strong position.
1. Review Your Escrow Account
Every year, property taxes and homeowners insurance can change. This means your mortgage payment might adjust as well.
Take a few minutes to:
- Look over your escrow statement
- Make sure the numbers look correct
- Ask me any questions if something doesn’t seem right
Catching issues early can prevent surprise payment changes later.
2. Check Your Home’s Equity
A lot of homeowners don’t realize how much equity they’ve built—especially after the last few years of appreciation.
Equity can open doors for:
- Renovations
- Debt consolidation
- Investment opportunities
- A potential refinance
Even if you’re not looking to tap into it right now, it’s good to know where you stand. And I’m always happy to check this for you.
3. Revisit Your Insurance Coverage
Life changes, and your coverage should reflect that. December is a good time to check in and make sure your policy matches your current needs.
Consider reviewing:
- Personal property limits
- Deductible amounts
- Coverage for upgrades or new valuables
- Flood or additional hazard coverage, if needed
A quick call to your insurance agent can save you from big surprises in the future.
4. Do a Little Winter Home Maintenance
I know it’s not the most exciting part of homeownership—but it’s important.
A few simple things to do:
- Replace furnace filters
- Have your heating system inspected
- Clean gutters
- Check smoke and carbon monoxide detectors
- Make sure outdoor faucets and hoses are winterized
These small tasks can prevent huge repair bills down the road.
5. Reassess Your Mortgage Goals
Maybe you’re thinking about upgrading, downsizing, building, or refinancing next year. Maybe you’re just curious where rates and market trends are headed.
Whatever the case, December is the perfect time to take a step back and look at the bigger picture. A little bit of planning now can save you time, money, and stress later. Whether you need a quick mortgage review, a construction loan conversation, or just someone to walk you through your numbers—give me, Kaylee Hamling, Mortgage Loan Officer at Sentinel, a call or shoot me a message and I would love to help you out!
