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10 Resolutions for Homeowners

Contributed by mm | January 12, 2005 3:01 AM PST

Being a homeowner and don't have enough new year resolution? Get some hints from Bankrate's featured article of Experts Offer 10 Resolutions for Homeowners.

These resolutions are:

- Give yourself a mortgage tune-up.
- If you have extra cash, pay it toward principal and confirm that it was properly applied to your mortgage balance.
- Review your credit report.
- Confirm whether the mortgage servicer is paying the insurance and taxes correctly.
- If you pay mortgage insurance, find out if you need to keep paying it.
- Find out whether you should move credit card debt to your home's equity.
- Get a home equity line of credit (HELOC) for emergencies.
- Make sure your homeowners insurance is sufficient.
- Draw up a will if you don't have one, and make sure it's up to date.
- Check smoke detectors and buy a carbon monoxide detector.

For many of us, our home is our largest investment. Yes, there are many personal finance facets of the homeownership and none of them is so easy to understand at first, but my experience is homeownership is THE place that can bring the most meaningful changes to your financial life. As a starter, reevaluate whether you have the best deal for mortgage, and refinance while the rate is still low if you haven't done so in the last two or three years. LendingTree and Bankrate offer some of the best resources to help your comparison shopping.

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