Having a mortgage is a significant financial responsibility that requires careful planning and management. Here are some good mortgage habits to adopt:

• Create a budget: Having a budget in place can help you manage your monthly expenses and prioritize your mortgage payments. Make sure to account for your mortgage payment, property taxes, insurance, and any other homeownership costs in your budget to ensure that you can afford your home.
   
• Make your payments on time: Late payments can not only negatively impact your credit score, but they can also result in late fees and penalties that can add up over time. Set up automatic payments to ensure that you never miss a payment.
   
• Pay extra when you can: Making extra payments towards your mortgage can help you pay off your loan faster and save money on interest in the long run. Even small additional payments can make a big difference over time. Consider making bi-weekly payments instead of monthly payments to help reduce the amount of interest you pay over the life of the loan.
   
• Keep an eye on interest rates: Interest rates can fluctuate, so it's important to keep an eye on them and consider refinancing your mortgage if you can secure a lower rate. Refinancing can help you lower your monthly payment or pay off your loan faster, depending on your financial goals.
   
• Build equity in your home: Making regular mortgage payments and keeping your home in good condition can help you build equity over time. Consider making home improvements or renovations that can increase the value of your home and build equity faster.
   
• Work with a trusted lender: Choosing the right lender can make a big difference in your mortgage experience. Make sure to do your research and work with a reputable lender such as a credit union that offers competitive rates and excellent member service.
   
• Review your mortgage annually: Take the time to review your mortgage annually to ensure that it still aligns with your financial goals. Consider refinancing if it makes financial sense or explore other options to pay off your loan faster.

Staying proactive in managing your mortgage so you can save money, build equity in your home, and pave the way for a secure financial future.