Arrowhead Title, Inc.

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...

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 ...

When buying real estate at the Lake of the Ozarks , you'll typically have your choice of title company to handle your transaction. They will play an integral role in your closing process, so ensuring that you select the best one is important. At Arrowhead Title, we strive to provide the best title services at the Lake of the Ozarks , and are considered to be one of the best. In this week's blog, we're going to be discussing a few tips that will help your decision making process when choosing a title company. Read on to learn more! Your title company will be intimately involved with your transaction real estate transaction. The title company is responsible for: Conducting a title search to make sure your title is free and clear prior to transfer Issuing a title policy to protect your right to use and occupy your land Preparing the title and deed Facilitating the final transaction to ensure that all debts are paid and that the remaining funds are distributed to the appropriat...

Congratulations! You found a wonderful home, and the sellers have accepted your offer. One of the next important steps in your home buying process will be scheduling a home inspection. Home inspectors go into great detail about every flaw and potential issue they find in the home so that you know what you're getting into and can negotiate repairs with the seller.  As the best title company at the Lake of the Ozarks , Arrowhead Title has a team of real estate transaction experts that know inspection reports can seem intimidating. Your perfect home can suddenly seem like a dump as you look through descriptions and sometimes even pictures of stains, damage, and potential safety risks in the home. Read on to learn how to navigate your inspection report so you know which repairs to fight for, and which are better to do on your own once the sale is final. Structural Issues vs. Aesthetics Some loan agencies require that all structural concerns be addressed before they w...

If you are considering purchasing real estate at the Lake of the Ozarks, especially if you are a first-time home buyer, title insurance should be something you are thinking about. Buying a home is exciting but there are steps that you need to take to ensure you are protecting your investment. At Arrowhead Title, Inc , where accuracy matters, we are here to help you protect your future investment. Some of you might be asking, what is title insurance? Here we will tell you what title insurance is and seven benefits of purchasing title insurance with the best title insurance company at the Lake of the Ozarks. What is Title Insurance?  When you purchase real estate, you are purchasing the right to occupy the property and the right to use the land. When you purchase title insurance you are protecting yourself from loss of property from possible liens, defects from the title, unknown heirs, mistakes in the public records, and other various problems that could be wrong with the title o...

Buying and selling real estate is a complicated transaction that requires careful attention and precision from every party involved. In addition to the funds being transferred as a result of the sale, there are multiple expenses that must be satisfied in order to complete the transaction. These expenses are commonly referred to as "closing costs." Arrowhead Title, Inc. is here to help you get a better understanding of closing costs and who is responsible for them. What Is Included In The Closing Costs? While the exact closing costs vary from transaction to transaction, here are a few examples of items that are commonly included in the closing costs: Loan origination fees Title insurance Survey fee Appraisal fee Property tax Underwriting fee Title search Homeowners association fees (if applicable) The dollar amount associated with the closing costs varies, but in general, buyers can expect to pay somewhere between 2.5% and 4% of the sale price. View our ea...

You've been thinking about buying a new home at the Lake of the Ozarks , but when exactly is the right time to take the plunge? It can be hard to predict exactly when the right moment is for you, but market trends indicate that if you've been thinking about buying a new home soon, buying before fall may be a smart idea. Our Lake of the Ozarks title company is here to help you explore the possibilities. 1. Less Competition As we move into late summer, the initial craze of buying a home in the summer is wearing off. Many people who planned to buy this summer have already found their chosen properties, and those that haven't may be getting tired of the search and opting for a break. By jumping into the market now, you may be able to find a great home without having to battle such steep competition. 2. Increased Stability For The Kids Even if you stay in the same area, moving to a new home can be hard on young children - especially during the school year. They will ha...

When you think of buying a house at the Lake of the Ozarks , what comes to mind? If you're like most people, you think of touring various properties for sale while searching for your dream home. While this is certainly an exciting process, it's only the tip of the iceberg. Once you settle on your perfect home and decide to submit an offer, there are still several steps that must be executed before the home can be declared legally yours. Arrowhead Title, Inc. is here to help you get a better understanding of the process. Earnest Money When you submit an offer to purchase a home, you must also include a check for earnest money. This check shows that you are serious about buying the property; the more money the buyer provides, the more serious he/she seems. Generally, earnest money amount ranges from about 1-3% of the asking price.  Loan Application If you haven't already, now is the time to begin applying for a mortgage loan. A lender will evaluate multiple finan...

Punxsutawney Phil didn't see his shadow this year, which means that he's predicting an early spring. With the forecast continuously providing tantalizing glimpses of warm spring weather, spring fever is kicking in early for many people. 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 ...

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...