How to Winterize Your House in Florida

Florida is known as a place with sunny, warm temperatures year-round, where many people come when they want to get away from the cold, especially in the harsh winter months. So, you may be thinking to yourself, “I came to Florida to get away from the winter. Why would I need to winterize my home?”

Despite popular assumptions, there are things you can and should be doing in the wintertime to help keep your home running efficiently and effectively.

Reviewing our guide on how to winterize a house in Florida can help you better take care of your investment. Our team at Galaxy Title and Escrow are happy to help not only close on a home but also provide resources to help take care of your home.

Why Do I Need to Winterize My Home in Florida?

couple winterizing house in floridaWhile Florida’s winters are much more temperate than most of the rest of the country, especially the northern states, even in the Sunshine State, temperatures can drop. In conjunction with the humidity, it can make the air temperature feel even colder. Since Florida isn’t accustomed to colder weather, when the temperature does drop it can increase the risk of frozen pipes, drafts, and damage to outdoor spaces.

By winterizing your home, you ensure that your living spaces remain comfortable, your outdoor areas are protected, and your home remains energy-efficient.

What Are the Key Areas I Should Focus on When Winterizing My Home?

When it comes to winterizing a house, there are a few key areas you will want to focus on:

  • Windows and Doors
  • Insulation
  • HVAC
  • Gaps and Cracks

In the wintertime especially, windows and doors are prime culprits for heat loss and drafts. To prevent this from happening, you will want to inspect all windows and doors for gaps and seal them with weatherstripping or caulk.

While many Florida homes already have them, if yours doesn’t, consider upgrading to hurricane-proof windows. Not only will these provide added protection during hurricane season, but they also provide enhanced insulation. Upgrading to location-appropriate windows adds more security for your home or any properties you manage. You can learn more about how to protect your home and properties in our property management guide.

Speaking of insulation, proper insulation is key to maintaining a comfortable temperature indoors year-round, particularly in the winter when the temperatures are constantly changing.

Make sure to check the insulation in your attic, walls, and floors and, if needed, add some more in vulnerable areas to prevent heat loss.

Before we get into the heart of the winter months, you may want to have your HVAC system checked out to make sure that everything is running properly when it comes to your heating, ventilation, and AC.

Also, don’t forget to change your air filter regularly to ensure everything is running smoothly for optimal performance!

Gaps and cracks can be the easiest way for air to get in and out. It also may be the toughest thing to detect. It’s always good to check your home for any gaps and cracks so that you can fill them in and prevent air from coming in or getting out.

Common areas for gaps include around windows and doors, electrical outlets, and plumbing penetrations. Should you come across any gaps or cracks, you can seal them with caulk or weatherstripping.

How Can I Protect My Garden and Outdoor Spaces During Winter?

Even the mild winters of Florida can wreak havoc on your garden if you aren’t careful. When the temperatures begin to drop you will want to make sure you protect any sensitive plants by covering them with blankets or burlap at night. Adding extra mulch around the base of your trees can also help regulate temperature.

Another thing you will want to do, if you don’t already, is invest in some coverings for your outdoor furniture. Ideally, you will want to have these year-round for when you are not using the furniture, but it can be especially helpful during those winter months.

Finally, make sure to adjust your irrigation schedule to account for the cooler temperatures. Watering in the morning allows the soil to absorb moisture before the colder evening temperatures arrive.

Are There Energy-Efficient Upgrades I Can Consider For Winter?

how to winterize a houseIf you are thinking about energy-efficient upgrades this winter, you may want to consider the following:

  • Smart Thermostats
  • LED Lighting
  • Energy-Efficient Appliances

Smart thermostats can help optimize your energy efficiency by allowing you to program your thermostat settings and even change them on the go. LED lighting not only reduces energy consumption but runs less hot than conventional lightbulbs, keeping your house cooler. Energy-efficient appliances are designed to use less energy, providing cost savings and reducing your environmental footprint. If you make your home eco-friendly you will already be utilizing many of these energy-efficient features.

What Steps Should I Take to Prevent Plumbing Issues During Winter?

Nobody ever wants to deal with plumbing issues, especially in the wintertime. If you are looking to be proactive this winter to prevent any major plumbing issues, consider doing the following:

  • Insulate your pipes – Use pipe insulation sleeves or wraps to protect pipes in particularly vulnerable areas.
  • Drain all outdoor faucets – Disconnect and drain outdoor hoses and faucets to prevent water from freezing in the pipes.
  • Keep your indoor temperatures consistent – Setting your thermostat to a moderate temperature helps prevent frozen pipes and ensures the overall well-being of your plumbing system.

If you do run into an emergency, don’t panic. Make sure you know where the main water shut-off valve is. If something goes wrong shut that valve off before calling a plumber or expert to help. Doing this can minimize the damage.

Learn More About How To Winterize a House at Galaxy Title

Winterizing your home in Florida is a proactive approach to ensuring comfort, energy efficiency, and safety during the cooler months. Whether you are looking to winterize your current home or buy a new one this holiday season, at Galaxy Title we are here to help. Contact us today to learn more about the services we offer.

Mitchell Issa (Reviewer)How to Winterize Your House in Florida
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4 Things Included in a Mortgage Payment & How To Budget

What’s Included In Your Mortgage Payment

A mortgage payment is a regular payment made by homeowners to the lender from which they borrow money. This payment is to repay the home loan. Mortgage payments apply to other types of property, but most often are made on home loans. Galaxy Title & Escrow can help home buyers understand the costs associated with buying and owning a home.

A mortgage payment is made once a month, although you can make payments more frequently and pay off your mortgage sooner. Mortgages include four basic components:

  • Principal
  • Interest
  • Taxes
  • Insurance

The principal is the amount of money a lender or bank loans a homeowner to purchase the property. Essentially, when you buy a home, you’re borrowing money to buy the property and then the principal is the initial amount of that loan. A portion of the mortgage payment is applied to the principal to pay off this amount over time.

The entirety of your mortgage payment doesn’t go toward paying off the initial loan because there are other expenses associated with homeownership, such as property tax and insurance. By paying money every month and applying it to the principal, you build equity in your home and eventually become the sole owner.

Interest included in a mortgage payment is based on the interest rate on the loan and the remaining principal balance. Each month, when you pay your mortgage, part of your payment is for the interest on your loan. When looking for loans to apply for, it’s important to pay attention to the interest rate. A lower interest rate is best because it means you pay less over the life of your loan. There are also types of interest rates to consider:

  • Fixed-rate mortgages: A fixed-rate means that your interest rate will remain the same for the entire life of your loan, which is usually 15 or 30 years. Often this is the best option because it means your mortgage payments will barely fluctuate if it changes at all, and it will be easier to budget for your mortgage payments.
  • Adjustable-rate mortgages: With this type of mortgage, your interest rate is fixed for a certain amount of time, usually 5-10 years, then it may adjust annually depending on market conditions. This means your mortgage payment may increase or decrease over the lifetime of the loan.
  • Interest-only mortgage: With an interest-only mortgage, you only make payments for the interest portion of your loan for a specified amount of time. After that period, you will need to start making payments toward the principal, which increases your monthly payment significantly.
  • Government-backed mortgages: This includes FHA and VA loans that offer lower interest rates and flexible credit requirements. If you meet the requirements to get approved for this type of interest rate and mortgage, then you will probably have a lower mortgage payment. However, an FHA and VA loan may not qualify you for a higher price range of homes.

You can compare interest rates and loan terms from multiple lenders to ensure you get the best option for your financial needs.

When you own a home or are paying a mortgage on a property, you’re responsible for property taxes. Mortgage payments often include your tax payments, but property tax is only due once or twice a year. When you make a mortgage payment, your lender put a portion of your payment in an escrow account.

When taxes are due, your lender uses funds from your escrow to pay the taxes on your behalf. The amount of taxes you owe depends on the value of your home and local tax rates. This may fluctuate annually.

It’s beneficial to have an escrow account because it helps you budget for your property taxes and ensures that your taxes are paid on time. Since property tax rates can change over time, it’s important to understand how this may affect your monthly payment.

The insurance portion of your mortgage payment includes homeowners’ insurance, which is typically required when you buy a house. Homeowners’ insurance covers the expenses of fixing damage caused by fire, theft, or natural disasters. Often, to pay homeowners’ insurance, you pay a premium once a year. Like with property tax, a portion of your monthly payment goes into an escrow account and when the insurance is due, your lender pays the premium using these funds.

You can shop around with different insurance providers to get the best price and coverage for your home. Consider where you live and the condition of your home to determine what coverages you need included in your policy. For example, in parts of Southern Florida, flooding is a concern and you will want good flood damage coverage included in your homeowners’ insurance policy.

How To Budget For Buying a Home

A house or property is a large expense that requires financial planning. You can check out our homebuyer’s guide to learn about special considerations you may have when searching for a home. Among the list of things to do while preparing to buy a house, is to prepare a monthly budget. Here are some tips on how to budget for buying a home:

  • Determine how much house you can afford: Before you start shopping for homes, it’s important to figure out how much you can afford to spend. A general rule of thumb is to keep your housing expenses, including your mortgage payment, property taxes, and homeowners’ insurance, to no more than 30% of your gross monthly income.
  • Consider all the costs of homeownership: In addition to your mortgage payment, you will pay utilities, maintenance repairs, groceries, and various types of entertainment each month. Consider if you need to make any special purchases for the home, such as appliances or equipment for lawn care. There may also be HOA fees to consider.
  • Save for a down payment: Depending on the type of mortgage you choose, you may need to make a down payment of anywhere from 3% to 20% of the purchase price of the home. You can set up a savings account that is designated for your down payment to help you save.

How Galaxy Title & Escrow Helps Homeowners

things included in a mortgage payment

Our team at Galaxy Title & Escrow has over a decade of experience in the industry and has helped many homeowners find the home of their dreams. We understand the ins and outs of real estate transactions and can help prepare you for home ownership.

When you’re buying a home, our team provides escrow closing services, which protect your funds and hold deposits for various costs associated with closing on a home. We also help you get title insurance, complete paperwork, schedule home inspections, and can provide advice for each step of the home-buying process. Call today to discuss how we can make your real estate transaction as stress-free as possible.

Mitchell Issa (Reviewer)4 Things Included in a Mortgage Payment & How To Budget
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