Pick, choose, customize and execute!

Review your homeowner’s insurance to make sure you’re not over- or under-insured

Apply to have your property taxes reduced due to a decline in fair market value, if applicable (this is especially relevant if you bought your home after 2003)

Create a living trust

Obtain disability mortgage insurance

Get a clear understanding of the key terms of your mortgage. Here’s how.

If your first mortgage is an interest-only or Option adjustable rate mortgage (ARM) and is set to adjust in 2010 or 2011, contact NACA for free, effective assistance obtaining a loan modification

Consult with your tax preparer regarding whether your payroll tax withholdings are appropriate – aim to keep as much of your paycheck as possible every month without either owing or being owed a large tax bill or refund at year’s end

Get involved in your HOA by attending meetings or reading board meeting minutes.

For more resources to support your 2010 deliverables, see:

The REThink Real Estate Resolution Deliverable Setting Guide

The REThink Real Estate Guide to Getting Unstuck