When the weather warms up it’s common for homeowners to do a little spring cleaning, organizing their homes, getting rid of clutter, and making improvements. While you’re in the cleaning process, don’t forget about your home finances. Your home is an investment and from time to time it can use some fine tuning as well. Here are some ways you can improve your homes fiscal health:

Refinance: Check with your mortgage consultant to see if you can find savings with a refinance. You could save thousands of dollars by reducing your mortgage rate by just 1%.

Review your Credit: Inaccuracies in your credit report can bring your score down significantly. Be sure to check your credit reports annually to ensure your score is correct so you will qualify for the best loan terms. Plus if you continue to monitor your credit you will have a better idea of when an opportunity to refinance may come up.

Make Extra Mortgage Payments: If you have the money, adding extra dollars to your principal mortgage payment can shorten the length of your loan. For thirty year loans adding as little as $5 to the principal balance each month could eliminate several payments by the end of the loan life.

Check Property Tax Assessment: You may be paying more in property taxes than you should be, according to a study done by the National Taxpayers Union, as many as 60% of properties in the U.S. are assessed higher than their current value.

Monitor Utility Rates: Keep track of your energy consumption and find ways you can cut back. Also monitor your utility rates to make sure you are not overpaying.