Arrowhead Title, Inc.

Whether you’ve been dreaming of living in the lake for years, or just discovered Lake of the Ozarks and decided you have to live here, when you make the decision that it’s finally time to move to Lake of the Ozarks it is an exciting time. Since starting Arrowhead Title in 1984, we have helped a lot of people through their real estate closing at Lake of the Ozarks , and have witnessed the joy of each one of them receiving the keys to their new lake home! Over the years we’ve learned some things about how to make the process easier. So if you’re thinking about buying a home in the area and would like to learn more about the process, this blog will explain how to prepare yourself for making that purchase. Have a realistic budget Knowing what you can afford in a home includes more than just the mortgage payment. Once you are a homeowner you will have to be prepared to pay for things like homeowners insurance, maintenance, real estate taxes, etc. You also should have an emergency fund in ...

Some people think that appraisals and inspections are pretty much the same. However, the purpose of each is different. At Arrowhead Title , we know both serve a critical purpose to your real estate closing. Appraisals are focused on determining the value of your home at Lake of the Ozarks . Your lender must know that the property you’re buying is worth what they are loaning you. The home inspection is for the purpose of determining the condition of the home. That is something every buyer needs to know before making such a big investment. The inspector is looking for things like major problems with the house or anything that could be a dealbreaker if you knew about them, including health and safety hazards. If you’d like to understand how appraisals and home inspections at Lake of the Ozarks work, keep reading. This blog will explain.  Appraisals Appraisals are focused on the value of the home. As mentioned, your lender needs to know that the home is worth what they are loaning you...

Sometimes in the process of a title search, title clouds may be discovered. A title cloud is when there may be a question or doubt regarding the seller's property ownership rights. If the seller's right to own the property is not clear, the seller may not have full legal authority to sell the property or transfer ownership to you. When we take care of a real estate closing at Lake of the Ozarks for our clients, we are not just there to make sure one party gets paid and the other party receives keys to the house. We are responsible for ensuring the legal ownership of the property and transferring the complete ownership of that property from the seller to the buyer. Many title clouds are correctable; however, some are not. If you are curious about title clouds and what to do about them, we have answers for you in this blog. Clouds Title clouds can also be referred to as title defects. Technically, the title to your house is what actually proves the legal right of the homeowner t...

Arrowhead Title understands that not everyone has experienced a real estate transaction before. We have been conducting real estate closings at Lake of the Ozarks since 1984 as a title company in Lake Ozark , and over the years we realize some people aren’t expecting certain costs associated with their real estate closing. As a title agency at Lake of the Ozarks , we are very dedicated to communicating with our clients so they don’t have to worry about surprises. We wrote today’s blog to let you know some of the common costs associated with real estate closings. If you would like to know what to be prepared for financially when buying a home at Lake of the Ozarks , we invite you to read this blog! Expenses Related to the Property Obviously, with a transaction of this size, it is essential that you know you’re getting what you think you’re buying. Both you and the bank will want to protect your property ownership rights with a title search and title insurance. The bank also needs to k...

There’s always something fun to do at the lake, and for couples, it can be the perfect Valentine’s Day destination! At Arrowhead Title , we have been helping people with real estate closings at Lake of the Ozarks since 1984, and we have a lot of insight as to why people love the lake and want to move here. For all the reasons the lake is a destination location … it is also a wonderful place to celebrate your love. If you are looking for a special place to spend Valentine’s Day with your sweetheart, we wanted to give you a few ideas on what to do to make it memorable! To hear about 5 things for couples to do at the Lake of the Ozarks, just keep reading.  1) Go Ice Skating Imagine gliding across an ice-skating rink with your significant other in a beautiful Ozark valley or sipping on some hot cocoa next to a crackling fire while watching happy people having fun! Even if you consider yourself less than a professional when it comes to ice skating, we have ways to make it easier for th...

Easements and encroachments can make a huge difference when you’re making a decision about buying property at Lake of the Ozarks . Easements and encroachments both will impact how you will be able to use that property, and whether or not others will be able to use it as well. With easements and encroachments, there are two parties involved, both want access to or use of the land, but only one party legally owns the land. So what’s the difference between an easement and an encroachment? That is exactly what we will be answering in today’s blog! The biggest difference between an easement and an encroachment is whether or not the property owner is in agreement or gives permission for the other party to use the land. Here are the details. Easement Easement is when a property owner gives legal permission for someone else to use their land. Some of the more common examples include shared driveways, shared paths or walkways, utility lines, and even infrastructure like water lines and buried c...

Building a new home at Lake of the Ozarks is SO exciting, and for most people, it is a dream come true. Is also a lot of work, with a lot of decisions to be made.  If it’s your first time, most likely there’s a bit of a learning curve too. As a trusted title company at Lake of the Ozarks , the title agents at Arrowhead Title know that when it’s your first time building a home, there are some important things that are easy to overlook. One of those is title insurance. Quite often, people don’t even think about title insurance on an empty lot or a new build. However, there are some very important reasons why you need title insurance on your property and new construction just as much as you do on any other house. If you’d like to know exactly why having title insurance before you start building is the best plan of action, just keep reading this blog. Proving property ownership One of the main reasons for having a title search done is to ensure that the person who is selling you the ...