Protect Your House (& Wallet) with Fall Prep

The arrival of fall brings some much-needed relief from the scorching hot days of summer. The weather is cooler, the days are shorter, and winter is right around the corner. As you plan for the season ahead, it’s also a good time to give your home a little extra attention. While cleaning gutters or sealing windows might not sound like fun weekend plans, fall is the perfect season to get your house in top shape. 

A little effort now can prevent big expenses later. Between winter storms, freezing temperatures, and the extra costs of the holiday season, your budget can easily feel stretched. Tackling a few key maintenance tasks in the fall helps protect your home and finances, giving you peace of mind as the colder months arrive.  

Why Home Maintenance Matters 

Your home is likely your most significant investment, so taking care of it should always be a top priority. Regular upkeep keeps it in good condition and prevents minor issues from turning into major repairs. Skipping these tasks may save you some time now, but it often means bigger bills down the road. 

Think about it this way - ignoring a small roof patch could lead to leaks, water damage, and even mold. Drafty windows left unrepaired can drive up heating costs all winter. By handling small projects now, you’re protecting your home and your budget, and giving yourself fewer worries in the months ahead. 

Scheduled Maintenance: Keep Your Home in Shape 

Fall is the perfect time to run a maintenance check on your home. The summer heat is finally fading, making outdoor work more bearable. Fixing smaller problems now can prevent big headaches later.  

Use this checklist as a guide to keep your home safe, comfortable, and efficient this fall and throughout the year: 

Interior 

Inside your home is where comfort matters most. Regular maintenance can improve air quality, reduce utility bills, and increase safety. 

• Replace filters: Swap out your air filter to ease pressure on your heating system. Don’t forget smaller filters in appliances like air purifiers, humidifiers, and refrigerators. And while you’re at it, clean the dryer lint trap too. 

• Inspect HVAC/furnace: Scheduling a professional inspection helps prevent breakdowns and keeps your system running smoothly. 

• Test sensors: Check smoke detectors and carbon monoxide alarms - replacing batteries if needed. 

• Check insulation: Adding attic insulation reduces heat loss and lowers electric and gas bills. 

• Clean the fireplace: Maintaining a clean chimney ensures safe use and helps prevent chimney fires. 

• Rotate your mattress: Rotating regularly extends the life of your mattress and keeps it more comfortable. 

Exterior 

Your home’s exterior takes the brunt of winter weather. A little work now can prevent water damage and costly repairs. 

• Inspect the roof: Look for damage or missing shingles before rain or snow arrives. 

• Clean the gutters: Clear gutters and downspouts to prevent clogs, leaks, and ice dams. 

• Check window & door seals: Replacing worn seals keeps cold air out and reduces heating costs. 

• Examine the siding: Repair cracks or holes in your home’s siding to block moisture. 

• Touch up the paint: Adding a fresh coat improves curb appeal and protects surfaces from the elements. 

How to Finance Your Home Projects 

Some fall projects are quick and inexpensive. Others, like replacing a roof or updating a kitchen, require more planning and money. If you’re looking at a bigger project this season, the credit union offers financing options that can help you get the job done without straining your budget or accumulating costly high-interest debt. 

Home Equity Loan 

A traditional Home Equity Loan lets you borrow against the equity you’ve built in your home while using the property as collateral. You receive a lump sum of cash upfront – making it ideal for big projects like finishing a basement or replacing windows. 

• Fixed interest rate that never changes. 

• Consistent monthly payments for easier budgeting. 

• Peace of mind knowing your financing is locked in. 

• Best for projects with clear costs and timelines. 

Home Equity Line of Credit (HELOC) 

A HELOC is similar to a traditional Home Equity Loan, but it works more like a credit card. Instead of one lump sum withdrawal, you borrow as you need it. This flexibility is particularly useful for projects that occur in stages, such as remodeling multiple rooms. 

• Borrow funds in phases as needed. 

• Pay interest only on what you use (not your approved credit limit). 

• Ongoing access to funds during the draw period (typically between 5 and 10 years).  

• Great for projects with evolving costs or timelines.

Personal Loan 

For smaller projects, such as replacing appliances, adding fixtures, or painting, a Personal Loan may be the simplest option. You don’t need to use your home’s equity, the process is quick, and interest rates are usually significantly lower than traditional credit cards. 

• Fixed rates ensure your payments will never change. 

• Clear loan terms and repayment schedules that fit your budget. 

• Fast approval process so you can start your project sooner. 

• Perfect for lower-cost or minor projects.  

Each option has its advantages, and the right fit depends on your project and goals. The credit union’s lending team can help you decide which solution makes the most sense for your needs. 

Taking care of fall maintenance now means fewer problems later - and a cozier, more comfortable home all winter long. Whether you’re crossing smaller tasks off your checklist or planning a major renovation, the credit union is here to help with lending solutions that fit your plans. 

If you’d like to learn more about our Home Equity solutions to help you meet your home goals, we’re happy to help. Please stop by any of our convenient branch locations or call 248-322-9800 extension 5 to speak with a team member today. 

 

 

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