What About Title Insurance?
Title insurance is a policy that protects against financial loss stemming from problems found in a property's title, or legal ownership.
However, Iowa is the only state that does not allow private companies to sell title insurance. The state has a public title guarantee program. In Iowa, the property abstract is updated and then an attorney's title opinion (title guarantee commitment) is prepared. The program is laid out like this. (From the Iowa Finance Authority) The Iowa Legislature created Title Guaranty to provide guarantees of Iowa real property titles, facilitate mortgage lenders’ participation in the secondary market and to help assure the integrity of Iowa’s land-title system. As a division of the Iowa Finance Authority, Title Guaranty is totally self-supporting. All revenue in excess of operation expenses goes toward home ownership programs for first-time homebuyers. Title Guaranty’s profits are re-invested in the state of Iowa. Title Guaranty offers Commitments, Certificates, and Endorsements that provide low cost title protection for real estate located in Iowa. Title Guaranty issues coverage based on an abstract and attorney title opinion. Once a participating abstractor prepares an abstract, a participating attorney reviews and then issues a title opinion or Title Guaranty Commitment. All Title Guaranty Commitments, Certificates and Endorsements are issued using the industry standard ALTA forms. For a residential transaction, coverage up to $500,000 is just $110 and an additional $1 per thousand over $500,000. Most common endorsements are offered at no charge. For a non-purchase residential transaction such as a refinance or second mortgage, the premium is just $90 for coverage up to $500,000. As of April 1, 2007, Title Guaranty provides FREE Owner’s Coverage when issued in conjunction with Lender’s Coverage. For more information on rates, click onForms and Documents. Once the transaction is complete and new mortgage documents are recorded, the abstract is updated. Then, either the participant or Title Guaranty will issue the Certificate.Get In Touch
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Great Lakes Dental Center PC
From first contact at Great Lakes Dental Center, PC, we are committed to your individual attention and strive to provide personalized oral health care tailored for your unique dental needs and goals. We work hard to create the ultimate stress-free and comfortable dental experience. Your health and comfort are our top priorities, and we do what it takes to help every patient understand their symptoms and treatment options in a relaxed office setting.
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The Climbing Tower offers 5 different "courses" offering different levels of difficulty, some easy enough for my 4 year old to enjoy and some are quite difficult. This offers kids a great activity to keep themselves entertained while having fun and staying active.
Woody's Pizza
Woodys Pizza is the oldest existing pizza restaurant in Northwest Iowa. In 1961, Woody and Mae Condon started their first restaurant in Estherville, with four tables, an eight seat counter and carry-out service. There was no alcohol served. It became a gathering place for the young people of Estherville.
In 1980 they sold their restaurant to their son, Anthony, he and his family operated Woody's for over 30 years. On Jan. 1, 2018, Dave and Tasha Welch of Estherville are the new owners.
Now, Dave & Tasha are thrilled to be taking the reins to continue not only bringing you great tasting pizza with the original famous recipe, but to bring you excellent service as a family-run business Estherville can be proud of.
Dine in or Call 712-362-5610 for Carry Out and Delivery!