Arrowhead Title, Inc.

If you have been thinking about buying a home at the Lake of the Ozarks, you may be wondering if now is a good time to buy. Arrowhead Title is the best title agency at the Lake of the Ozarks , and we are here to help you answer that question today. While no one can tell you 100% whether or not it is right for you, we have some questions to help guide you to your right answer. Keep reading to learn more! How Long Will You Live There?  If you are thinking about buying a house, it's important to know that you should only do so if you plan on living there for at least five years. While some will recommend more or less time, five years is a good estimate to determine if your initial investment will have paid for itself by that time. Closing costs, lender fees, down payments... All of these amounts could significantly drain your accounts if you plan to move frequently. So, if the town you are living in truly is home sweet home, then it could be time for you to plant roots and bu...

Are you thinking about buying a home at the Lake of the Ozarks ? The process is exciting and well worth the effort when you can finally relax in your brand new Lake House. But it can also be difficult and stressful to go through the real estate process on your own. As the best title agency at the Lake of the Ozarks , Arrowhead Title has several tips on what you need to know before buying a home at the Lake. If we can answer ANY questions about purchasing a home at the Lake of the Ozarks , please give us a call! Evaluate Your Finances  Buying a home is a huge investment! With the down payment, private mortgage insurance, realtor fees, mortgage lending fees, cost of inspection, closing costs, and so much more... The amount you will be spending upfront on your home is going to be larger than the sticker price you've seen on the home's listing. It's a good idea to catalog all of the possible costs that you will encounter when buying a home. This could change...

Independence Day is this week! Americans across the country are firing up the grills and purchasing car-loads of fireworks in preparation for this glorious holiday. The Fourth of July provides us the opportunity to celebrate our nation's independence and everything our country stands for, and we intend to make the most of it! Homeownership is an integral part of the American Dream, and it is a beautiful symbol of independence. Arrowhead Title, Inc is proud to be a part of this dream by protecting homeowners (and lenders) as they make the biggest investments of their lives. Like our beautiful flag waving proudly in the wind, Arrowhead Title is always there and ready to help new homeowners make their American dream a reality!  RED The color of blood and fire, red symbolizes strength, energy, power, courage, vigor, willpower, and passion. As a local  title insurance agency at the Lake of the Ozarks , we are charged with protecting the biggest investments most people will ...

When we talk about the costs of buying real estate at the Lake of the Ozarks , we talk about several different things. The home inspection, home appraisal, and earnest money are just a few examples. The other major expenses are lumped together in a broad category that is simply called "closing costs." It's important to recognize that the closing costs vary depending on your position in the transaction (whether or you are a buyer or a seller). Today, Arrowhead Title, Inc is here to explain the buyer's closing costs for you in simple, easy-to-understand terms. What Is Included In The Buyer's Closing Costs? The truth is that the closing costs encompass a wide variety of different fees and services. While the exact expenses will vary from transaction to transaction, there are many elements that are consistently included in these costs. Here is a quick overview of some of the common items that are typically included in the closing costs: Loan Origination Fee...

You've been window shopping homes all winter long online, and are waiting for the right time to make your move. Many homebuyers wait until spring is officially here to begin searching for a new home at the Lake of the Ozarks , which is precisely why you should tackle your home search before spring hits. Here are a couple reasons to consider buying your new home before the spring market arrives. 1. Mortgage Rates Are On The Rise Interest rates recently rose for the first time in several years, and they are expected to continue rising in the near future. Even a small increase can have a significant impact. For example, let's imagine that you take out a fixed rate mortgage loan for $200,000 for a 30-year term. If your interest rate is 3.9%, the total cost of the mortgage will end up being $339,601. If your interest is 4.1%, the total cost of the mortgage will end up being $347,903. An increase of just 0.2% ends up costing you an extra $8,302. Since interest rates are expec...

Before buying property at the Lake of the Ozarks , it's a good idea to have the property lines verified. This could help to avoid a major problem in the future if there are property line discrepancies and you try to claim back what's rightfully yours.  Arrowhead Title  runs into these problems regularly and wants to help you prepare for these types of surprises BEFORE you close the deal. Take a look at what a property encroachment can mean for your investment and how we can help. What Is A Property Encroachment? A property encroachment is exactly what its name implies - it occurs when your neighbor encroaches on your property. Typically, this happens when your neighbor's fence, storage shed, landscaping, pool, and/or section(s) of their house cross over the property line and officially take up part of your legal property. Encroachments are different than easements. Easements give someone legal right to use property that belongs to someone else. They are agreed-upo...

Arrowhead Title, Inc. is proud to be a trusted title agency at the Lake of the Ozarks . We have been serving the Lake Area since 1984, and in that time we have helped hundreds of customers and developed many fantastic customer relationships. This week, we want to share with you some of the things we believe make us unique in the title industry at the Lake of the Ozarks . Absolute Accuracy When it comes to real estate and title matters, accuracy is absolutely essential. Even one small oversight or error could cost a homeowner hundreds (or possibly thousands) of dollars. In order to protect our clients' current and future interests, our title experts conduct every transaction with the utmost precision and accuracy. Community Involvement The Lake Area is famous for being a major tourist destination. Underneath a surface of thousands of tourists and second homeowners, however, there lies a close-knit community of individuals who make the Lake their home year-round. We are hon...

Thanksgiving is just about here, which means it's time to give thanks for all of the things in our lives that make us happy. It's not a time to worry about who has the flashiest car or who has the biggest house; Thanksgiving is simply about focusing on anything in your life that you are grateful for. In honor of this wonderful holiday, we thought we'd take a moment to share some of the things that we're thankful for here at  Arrowhead Title, Inc . We're Thankful For... An Outstanding Team We're honored to be recognized as one of the  best title insurance companies at the Lake of the Ozarks , but we don't deserve all the credit ourselves. We owe our success to our amazing staff members who go above and beyond for our clients every single day, on every single transaction. We are so blessed to have an outstanding team that makes it a joy to come to work every day. Our Amazing Clients We can't thank our team without also extending some well-deserved...

An important part of  buying real estate at the Lake of the Ozarks  is understanding the expenses incorporated with closing on the sale of a home. Most home purchases don't just involve paying the exact dollar amount for the value of the home and calling the deal closed. In fact, there's typically a lot more in terms of expenses that is involved, especially if you are taking a loan out to obtain the property. You generally don't pay for these expenses upfront like you would with an inspection or appraisal, but they make up for a big portion of the expense over the actual cost of the home. These expenses are called "closing costs." It's important to recognize that the closing costs vary depending on your position in the transaction (whether or you are a buyer or a seller). Today,  Arrowhead Title, Inc  is here to explain the buyer's closing costs for you in simple, easy-to-understand terms. What Is Included In The Buyer's Closing Costs? The tru...

A home is probably the single largest investment you will make in your life. You insure everything else that’s valuable to you—your life, car, health, pets, etc., so why not your largest investment? There's many reasons you should want to protect the investment of your home. So, this week, the best title insurance company at the Lake of the Ozarks is sharing with you 5 reasons every homeowner should invest in title insurance. Take a look: 1. REDUCES YOUR RISK If you’re buying a home, there are many hidden issues that may come up only after you close. Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen legal and financial title discrepancies. Homeowners insurance and warranties protect only the structure and belongings of your home. Getting owner’s title insurance ensures your family’s property rights stay protected. 2. FOR THE RECORDS Regardless of the reason you choose title insurance, it puts your name as the owner on the record...

If you are in the process of buying your first home, you're probably feeling a bit overwhelmed by all of the costs you may not have been expecting. If you have had past experience, you are probably familiar with all of the costs associated with buying a home - but that doesn't make them any less stressful! Inspections, appraisals, earnest money... all of these things tend to add up very quickly. So why title insurance, then? When you're juggling all of these costs, the last thing you probably want to do is sign up for additional fees. You may be tempted to push title insurance off to the side, but your friends at  Arrowhead Title  are here to tell you why purchasing  title insurance at the Lake of the Ozarks  is an absolutely critical part of the home buying process. The importance of title insurance can be summed up in a single sentence: Title insurance protects the biggest investment you will make in a lifetime. Their homes are the largest purchases most...

When closing on a home at the Lake of the Ozarks , it's easy to get wrapped up in the excitement of finalizing the deal and getting moved in. So much so, that many buyers don't even consider the possibilities of the sale not going through or the potential problems that could arise after the sale is final. There are many things on the back end of the real estate process that most buyers and sellers don't see or even consider until there's a problem that needs to be addressed. This week, Arrowhead Title will be discussing title defects and title encumbrances and explain how they affect a title to real property. What is a Title Defect? A title defect is a legal claim or circumstance that hinders the verification of the title and identification of the true owner of a real property. These defects occur usually when the ownership or transfer of ownership is not properly recorded, or where any lien recorded due to an unpaid obligation was not removed on satisfaction of...

Buying a home is a huge milestone in life. There are multiple factors to consider and several different questions you should ask yourself in order to determine whether or not the home you have chosen will be a good investment and if it will serve your family's needs for years to come. Out of all the questions you can (and should) ask yourself, there is one that is more important than all the rest. The answer to this question will impact your future in more ways than you may realize at this point in time. How much home can I afford? This question is multi-faceted. The first answer that comes to mind may not in fact be as accurate as it seems. This week, our Lake of the Ozarks title company is here to explore some of the different factors that will influence your true answer to this question. Mortgage Payment Your monthly mortgage payment is the most obvious cost that new homeowners face. The size of your mortgage payment will depend on several different factors, such ...