Buying a home is a thrilling milestone, but your responsibilities don’t end after closing. Once you get the keys, taking a few proactive steps will ensure your home is safe, well-maintained, and financially manageable. If you're planning a move to Arizona, here’s a handy checklist tailored for the Grand Canyon State’s unique lifestyle and housing market.
1. Replace Batteries in Smoke and CO2 Detectors
Safety first! A quick battery replacement is an easy way to ensure peace of mind in your new Arizona home. With dry desert climates and wildfire risks in certain areas, having reliable detectors is critical.
2. Set Up an Automatic Monthly Transfer to a High-Yield Savings Account
Arizona homeowners should budget for annual maintenance and taxes.
Home Maintenance: Experts suggest saving 1% of your home’s purchase price annually. For a $500,000 home, that’s $5,000 a year or about $416 per month.
Property Taxes: In Arizona, property tax rates typically range from 0.5% to 1.5%, depending on the county. For a $500,000 home, that’s $2,500–$7,500 annually.
Automating savings ensures you’re prepared for surprises, from AC repairs to roof maintenance, common in Arizona’s heat.
3. Request Bi-Weekly Mortgage Payments
Ask your lender about setting up bi-weekly payments. By making half a payment every two weeks, you’ll sneak in one extra payment each year, helping you pay off your mortgage faster and save on interest.
4. Shop for Homeowner’s Insurance Annually
Arizona’s unique risks, such as monsoons, flash floods, and heat-related wear, can impact insurance costs. While insurance often auto-renews, shopping around before renewal could save you money. Mark your calendar to review your policy 30-60 days before it renews.
5. Ask for Maintenance Records and System Ages
Before closing, request records from the sellers. Knowing the age and condition of critical systems like the HVAC, roof, and water heater is invaluable in Arizona’s hot climate, where these systems work overtime. This helps you anticipate repairs or replacements.
Make Homeownership Easier in Arizona
By taking these simple steps, you’ll set yourself up for a smooth start in your new Arizona home. Whether you’re eyeing a home in Phoenix, Tucson, or a charming suburb, preparation is key.
Ready to make your move to Arizona? Call me at +1 480-298-5551 for a free consultation.
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