FHA Loan Requirements in 2026: A Complete Guide for Tucson Homebuyers
Jan 14, 2022By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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‘Tis the season for cold weather maintenance. Stay warm and save on energy costs with these winterization tips!
As the temperatures begin to drop, it's the perfect time to prepare your home for the winter months. While Southern Arizona homeowners may not face heavy snowfall like other parts of the country, cooler temperatures can still impact your home's efficiency, comfort, and maintenance needs. A little preparation now can help you lower energy costs, prevent expensive repairs, and keep your home safe all season long.
Whether you're a first-time homeowner or have owned your home for years, these winter home maintenance tips can help you stay comfortable throughout the season.
According to the U.S. Department of Energy, setting your thermostat to 68°F while you're awake and lowering it when you're asleep or away may help reduce heating costs. A programmable or smart thermostat automatically adjusts your home's temperature based on your schedule, making it an easy way to improve comfort while potentially lowering your energy bills.
Even small air leaks can make your heating system work harder. Inspect doors and windows for drafts and consider adding:
These affordable improvements can make your home more energy efficient and help reduce monthly utility costs.
Before turning on your heating system for the season, inspect your furnace filter. A clean filter improves airflow, helps maintain indoor air quality, and may reduce unnecessary wear on your HVAC system. Replacing filters regularly can also help prevent costly repairs.
Many ceiling fans include a reverse switch. During winter, running the fan clockwise at a low speed gently pushes warm air back into the living space, helping rooms feel more comfortable without increasing thermostat settings.
Many utility providers offer home energy assessments, sometimes at little or no cost. An energy audit can identify areas where your home loses heat and recommend improvements that may increase efficiency and lower energy expenses.
Although freezing temperatures are less common in Tucson and Southern Arizona, occasional cold snaps can still damage exposed plumbing.
To help protect your home:
These simple steps may help reduce the risk of frozen or burst pipes.
Your attic plays an important role in your home's energy efficiency. While inspecting the space, look for:
Addressing these issues early can help prevent more expensive repairs later.
If your home includes a wood-burning fireplace, schedule a professional chimney inspection and cleaning before the first fire of the season. Removing soot and debris helps reduce fire hazards and keeps your fireplace operating safely.
Continue practicing fireplace safety by removing excess ash regularly and using only appropriate firewood.
Winter storms and seasonal winds can weaken tree limbs. Trim branches that hang over your roof, driveway, or power lines to help reduce the risk of property damage.
For large trees or difficult-to-reach branches, consider hiring a licensed tree service.
Before colder weather arrives:
Taking care of these tasks now can make winter maintenance much easier.
Winter is also an excellent time to plan future home improvement projects. Whether you're considering energy-efficient upgrades, remodeling your kitchen, replacing windows, or making other renovations, financing options may be available depending on your goals and eligibility.
If you're exploring home improvement financing, learn more about Renovation Loans:
https://www.thepoldergroup.com/renovation-loan
You can also explore additional Mortgage Loan Programs that may fit your needs:
https://www.thepoldergroup.com/mortgage-loan-programs-tucson
Yes. While Southern Arizona typically experiences milder winters than many parts of the country, preparing your home for cooler temperatures can improve energy efficiency, protect plumbing, and help prevent seasonal maintenance issues.
Simple improvements like sealing air leaks, replacing furnace filters, using a programmable thermostat, and reversing ceiling fans may help improve efficiency and reduce heating expenses.
Absolutely. Checking for damaged shingles, leaks, or attic moisture before winter weather arrives can help prevent more extensive repairs later.
Winter is a great time to think about both home maintenance and your long-term financial goals. Whether you're purchasing a home, refinancing, or exploring financing for home improvements, The Polder Group at CrossCountry Mortgage is here to help.
Our experienced loan professionals can answer your questions, explain available loan options based on your qualifications, and help you determine which financing solutions may fit your needs.
Contact The Polder Group today to discuss your mortgage goals and discover financing options designed to help you feel confident in every season.
This article is for educational purposes only and does not constitute financial or mortgage advice. Loan programs, rates, and guidelines may change at any time. All loans are subject to credit approval and underwriting. For guidance tailored to your situation, consult a licensed mortgage professional.
By Derrick Polder • NMLS #207630 • Published: Original Publication Date 6.22.26 • Updated: June 30, 2026
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