Top 10 Post-Closing To-Dos

  • Store closing papers in a safe yet accessible place
    • Safe deposit boxes, in-home safes and locking filing cabinets are only a few options for secure storage.
  • Change the locks
    • Your new home once belonged to someone else. Family members, neighbors and even builders or HOA members may have had keys at one point. Gain peace of mind knowing that your home is secure.
  • Notify the DMV, Post Office and Credit Card Companies
    • Mail forwarding is not permanent, and some third-parties may need personal notification regarding a change of address personally.
  • Locate water shutoff valves and fuse boxes
    • These are likely in a basement, garage or on the exterior of your home.
  • Test and change batteries in smoke detectors
    • If these units don’t include a carbon monoxide detector, it’s advisable to have one on each floor of your house as well.
  • Service HVAC and Fireplaces
    • Vendors may offer more attractive pricing when done “out of season”.
  • Confirm where payments should be sent
    • Not all mortgage companies are long-term servicers. You will receive notification from your lender’s post closing department in advance, and are always recommended to ask your mortgage professional if any questions arise.
  • Prioritize, budget and schedule maintenance projects
    • Address the quick and easy, such as carpet shampooing before moving in, and plan the order in which you will take care of larger projects over time.
  • Meet Your Neighbors
    • Closer knit communities foster well-being, new friendships, and a sense of connection.
  • Enjoy Your New Home!
    • The time has come! Unpack, decorate and relax in your new surroundings!

A Lending Hand for Financing Home Mortgages

Spire Financial (A Division of V.I.P. Mortgage, Inc.) brings lending expertise to you. All of our loan officers offer personalized communication for every client, guiding them through the process. We can show you ways to maximize your finances and unlock future opportunities. Spire Financial keeps you in control of refinancing, debt consolidation, and home equity. Together, we can achieve your financial goals.



V.I.P. Mortgage, Inc. DBA Spire Financial does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. For state specific licensing, visit V.I.P. Mortgage, Inc. is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the government. V.I.P. Mortgage, Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage, Inc. are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.

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