Should I Refinance?

When considering whether or not to refinance, it's important to take a few things into consideration. Arrowhead Title is the best title agency at the Lake of the Ozarks, so we are very familiar with many types of real estate transactions and we have some tips for you today! If you are thinking about refinancing, keep reading and learn what you should consider before making the leap. (Also be sure to consult your financial advisor before making any major financial decisions.)

Percent Difference
It can be tempting to refinance your home when you see mortgage rates falling. But, it can be hard to know if they are low enough to truly make a difference and make the refinance worth the time and effort. If you have a mortgage rate of a hypothetical 5.0% and the current market is showing 4.9%, then a refinance would not be worth it. With just 0.1 percent of a difference, you likely will not recoup the new closing costs and financing fees. A good policy is to aim for at least a 0.5% decrea…

Great Ideas for Entertainment at Home!

With schools closed and many retail shops and restaurants going to online and curb-side only, finding new things to do every week can be hard. Arrowhead Title has been a fixture at the Lake for many years, so we know the area and we have some great ideas to help keep our community entertained during this time. We love each and every one of you and we're excited to help. Keep reading to learn our favorite social distancing activities, both indoor and outdoor!

Try a New Cuisine
It's easy to get stuck in a rut of cooking the same meals and dishes on repeat, especially when you are busy and don't have time to be as creative as you want to be. Use this extra time to choose a new cuisine you've never tried before! Try making a Thai curry dish, or even roll your own sushi at home. There are also several restaurants still offering takeout with curb-side pickup. Having trouble choosing? Make a game of it... Assign each restaurant its own side on a die and roll to choose where you…

How to Get Ready for Closing

Arrowhead Title knows that getting ready for the closing date on your home can be stressful and worrisome, especially if you are a first time home buyer or if it has been several years since you've purchased a home. We are the best title agency at the Lake of the Ozarks, so we know what it takes to facilitate a smooth closing day. Read on to learn a few tips from us about how to get ready for your closing date.

The Closing Process
During the closing on your new home, there are several steps you and the seller will go through. In the end, the formal transfer of ownership from the seller to you will occur and the home will be yours! Here are the general steps included in the closing process that you can prepare for: Title Search and ExaminationDocument PreparationIssuing Title InsuranceClosing TransactionSetting Up Escrow
DO These Things Stay prompt with your underwriter and mortgage lender. There will be a lot of steps and information required from you in order to get to the final st…

4 Reasons to Love Life at the Lake!

Living at the Lake of the Ozarks is an amazing experience with a lot of benefits. Some people think of it as only a summer destination, but it is actually a beautiful place to be year-round. Arrowhead Title is the best title agency at the Lake of the Ozarks and we've been a fixture at the Lake for over 35 years, so we know how great it can be. Read on to learn why the Lake of the Ozarks should be your new home town or home away from home.

1) Outstanding Natural Environment 
Whether it is full of summer activity and beautiful boats or peaceful in the quiet of winter, the Lake is gorgeous year-round. Living in a lakefront home gives you the special advantage of enjoying the Lake from your own backyard!

You can also venture out to some of the amazing attractions around the Lake that offer breathtaking views. One of the most popular attractions at the Lake of the Ozarks is Ha Ha Tonka. These historic castle ruins are surrounded by beautiful, well-marked hiking trails for you and the w…

How to Make the Move Easier on the Kids!

Congratulations! You've found the house of your dreams and you're ready to start a new chapter there with your whole family. During this exciting and busy time, it can be easy to overlook the little ones. Arrowhead Title is the best title agency at the Lake of the Ozarks and we have some great tips to help you involve the kids in the moving process. Read on to learn more!

Involve Them in the Process
It's easy to get distracted with the packing, planning, and paperwork involved with moving. But it's important to involve your kids in the process so they are able to adjust to this fun new chapter along with you. The amount that you involve them will depend on their age a level of ability to help. Here are a few considerations to get you started...
Ask for Their Input - Even if you aren't going to buy a home just because your little one likes it best, it can be fun for them to feel involved in the decision process. Ask what their favorite things are about each home you …

Does a New Construction Need Title Insurance?

Buying a newly constructed home has a special, extra level of excitement connected to it. With brand new appliances, unused bathrooms, and unscathed walls, your brand new home will be an exciting prospect. You may be thinking that you don't need title insurance for the property. You will be the very first owners of the home after all! This is not exactly true. At Arrowhead Title, our experts are the best title agents at the Lake of the Ozarks and we know there are a lot of important reasons to get title insurance for your new construction. Read on to learn more!

Land Ownership If your new home is in a subdivision, it will be important to make sure that the parcels of land were correctly divided at the beginning. Your brand new house has never been lived in or owned by someone else, but the land may have a complicated history that could threaten your property ownership. If there is fraud, forgery, or unresolved liens on the land, you could end up having to pay large fines to fix the…

Could my Closing Date be Delayed?

Arrowhead Title is the best title agency at the Lake of the Ozarks, and we are experienced in every type of real estate transaction. Today we have some great information on why your closing date might have to be delayed. It's never fun to have to change plans at the last minute, so being prepared can help you avoid these common issues. Read on to learn more!

1) Aggressive Timeline
Once you've made an offer on the house of your dreams and it has been accepted, then it is time to pick a closing date. If you are a first-time homebuyer, you may be surprised to find how far out this date can be. You have to make sure to provide enough time for the underwriters to request, receive, and review the materials they need. It is also important to allow inspectors and appraisers adequate time to perform the necessary inspections and report their findings. This timeframe can be about one and a half to two months depending on the details of the sale.

Plan for issues to come up during the clos…