Arrowhead Title, Inc.

 A title search, a title report, and a title commitment are all pieces of the puzzle that are required to complete your real estate closing at Lake of the Ozarks . They are each different, but they work together and play an important role in your real estate transaction. Arrowhead Title has been handling real estate closings for clients at the Lake of the Ozarks since 1984. Over the years we recognize that not everyone understands the difference between these three things and why they are all necessary. If you are involved in a real estate transaction, you may wonder as well. As a title agency at Lake of the Ozarks that believes in clear communication and keeping our clients informed, we wanted to write this blog to explain what each one is, how they work together, and why they are an important part of your real estate purchase. To learn more about title searches, title reports, and title commitments, just keep reading this blog. Title Search A title search is a deep dive researc...

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...

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...

The title search, title report, and title commitment are three completely different things, but they work closely together, and each one is important in the process of your real estate transaction. As a trusted title company at the Lake of the Ozarks since 1984, we have noticed that people don’t always know what they are or how they differ. At Arrowhead Title , we are dedicated to communicating with and educating our clients so they understand the process. So, we decided to write a blog explaining these three important elements of your closing. If you are curious as to exactly how these three things differ, and how they work together when you come to the closing table, we invite you to keep reading this blog to learn the details! Title Search A title to real property is a document that proves who has ownership rights to that piece of land. The title search is a very deep and detailed search into any available public records to learn exactly who owns the property and is legally able to...

At Arrowhead Title we have handled a lot of real estate closings at Lake of the Ozarks since 1984. We know there’s a lot that goes into every closing, much of which happens behind the scenes. Often clients aren’t even aware of everything we do, and they don’t really have to think about it. They just know they trust us to bring them the right information and the right numbers and everyone gets what they are supposed to out of the transaction as agreed. At the same time, we know that education is key when working with our clients so they know exactly what to expect, and have confidence when they come to the closing table. So in this week's blog, we wanted to explain a little bit about what your title company at Lake of the Ozarks does for you at your real estate closing. If you’d like to know more, just keep reading. Title Search and Report Once there’s a signed contract between a buyer and a seller, the title company is ready to get to work. Right off the bat, a title search will...

When purchasing a property, the buyer (and lender) want to KNOW that the seller has full legal right to sell the property.  A title search is important because it can uncover issues that could affect the transfer of ownership of a property.  The purpose of the title search is to discover and hopefully correct any defects or limitations attached to the property that could affect how the property can be used or that will lower its valuation.  Of all the due diligence a buyer has during the real estate transaction, the title search and title insurance policy may be the most important.  In this blog, we will talk about some of the most common things that could come up in a title search. 1) Errors in public record. Filing errors or clerical errors can occur with local government.  For example, a previous sale of the home may not have been properly recorded.  This can call into question the validity of the title.  But with records tracing, the error can be f...

We talk frequently about the multitude of tasks and details that must be attended to during the process of  buying real estate at the Lake of the Ozarks . We frequently mention the title search as a part of this process, but we realize that many of our readers may not have a clear, accurate understanding of the title search and how it relates to the overall real estate process. This week, we're delving deeper into the title search and the important role it plays in the process of  buying property in Camden County MO  (or anywhere else, for that matter). The Title Search - An Overview Before a home can be sold, a title search must be performed. When conducting a title search, our team carefully combs through a variety of documents and public records in search of important information that may apply to the title in question. These may include (but aren't necessarily limited to) records by surveyors, tax assessors, recorders of deeds, and county courts. Title searches...

We talk frequently about the multitude of tasks and details that must be attended to during the process of buying real estate at the Lake of the Ozarks . We frequently mention the title search as a part of this process, but we realize that many of our readers may not have a clear, accurate understanding of the title search and how it relates to the overall real estate process. This week, we're delving deeper into the title search and the important role it plays in the process of buying property in Camden County MO (or anywhere else, for that matter). The Title Search - An Overview Before a home can be sold, a title search must be performed. When conducting a title search, our team carefully combs through a variety of documents and public records in search of important information that may apply to the title in question. These may include (but aren't necessarily limited to) records by surveyors, tax assessors, recorders of deeds, and county courts. Title searches serve t...

By this time, you've surely heard that purchasing title insurance is an integral part of any commercial or residential real estate transaction . You've heard that it can protect your most valuable asset in the event of unforeseen hazards, and that it guards your right to occupy and use the land you have purchased. In order to get the most out of your title insurance, though, it's helpful to understand it on a deeper level.  Arrowhead Title, Inc. is here to help you gain that deeper understanding! Here is some straightforward, accurate information about the ins and outs of title insurance. Title Report vs Title Commitment Having a title report does not mean that you have title insurance. A title report is made after the title issuer has conducted a detailed search of all the public land records for the county where your desired property is located. A title commitment is the official agreement by the title company to provide you with title insurance. Lender...