From House to Home: 5 Homeownership Habits

June is National Homeownership Month—a time to celebrate the value of homeownership and the impact it has on families, neighborhoods, and futures. 

Owning a home is more than a milestone. It’s a foundation for stability, independence, and long-term financial growth. And like any good investment, it works best when you manage it with intention. 

Here are five habits every homeowner should keep in their toolkit: 

1. Budget for the Unexpected 

Homeownership comes with surprises—some small, some expensive. From appliance repairs to rising utility costs, preparing for the unexpected keeps you ahead of the stress. 

✅ Set aside a little each month in a dedicated home fund. It’ll help you avoid debt and keep things running smoothly when life happens. 

Pro tip: Set aside a savings account, just to prep for the unexpected.  

2. Build Equity—and Know What It Means 

Every mortgage payment you make helps build equity in your home, which can be a valuable financial resource down the road. 

✅ Stay informed about your home’s market value and understand how equity works. It can open the door to future opportunities like renovations, investing, or long-term planning. 

3. Revisit Your Mortgage Every Year 

Markets change. Life changes. It’s smart to check in on your mortgage terms regularly. 

✅ Consider an annual review to see if your loan still fits your needs. Whether it’s refinancing, updating your escrow, or just making sure you’re on track, a quick check-in can go a long way. 

4. Protect Your Home—and Your Accounts 

A home is more than walls—it’s where your personal and financial information lives, too. 

✅ Use strong passwords, monitor your accounts, and be alert to scams—especially during busy seasons like summer. A little caution goes a long way in protecting what matters most. Click here to learn more about protecting what matters most.  

5. Plan With Purpose 

Whether you're saving for upgrades, preparing to host more, or building toward your next goal—having a clear plan helps. 

✅ Set short- and long-term financial goals related to your home, and check in on them a few times a year. Thoughtful planning supports both your lifestyle and your financial health. 

🏠 Here’s to Homeownership 

Homeownership doesn’t just change your address—it can change your future.
This month, we celebrate the progress, potential, and possibilities that come with having a place to truly call your own.