Let's Talk Title with Emerald Coast Title Services

How should compensation be handled in a Florida real estate transaction? In this episode of Let’s Talk Title, hosts Dion Moniz and Ashley Bowen discuss compensation best practices, including why compensation terms may be better addressed through a separate agreement rather than included in the contract’s additional terms section. They also cover the role of Riders FF and GG, why brokers do not nee...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen tackle a topic every Florida homeowner should understand: mold. They break down what happens when mold, especially black mold, is discovered during a real estate transaction, explaining how standard Florida contracts (including Section 10(c)) offer limited protection unless buyers include speci...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen break down the newly updated compensation agreement and what it means for real estate professionals. With the release of the CASSB-1 form in January 2026, two previously separate agreements have now been combined into one streamlined document—eliminating confusion and simplifying the process. T...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen break down the latest FinCEN real estate reporting requirements. They explain what these new rules mean, who they affect, and how they impact real estate transactions—especially for deed preparers. Realtors, you’ll want to listen closely so you can communicate this process to your buyers!

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen continue their deep dive into the FR/BAR Contract—this time breaking down Riders T through GG. They explain what each rider addresses, why they matter, and how they can affect the terms and outcomes of a real estate transaction. This is the second half of the two-part series, wrapping up everyt...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen are joined by Maria Howell, Current President of the Emerald Coast Association of Realtors (ECAR) and Broker of REV Realty. Maria shares insights into ECAR’s mission, the importance of involvement within the real estate community, and how Realtors can take the next step into leadership. From jo...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen take a deep dive into Riders A through S of the FR/BAR Contract. They walk through what each rider covers, how they impact real estate transactions, and the key details buyers, sellers, and agents need to understand. This is Part One of a two-part series, with even more riders to come in the ne...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen welcome special guest Kyle Hock of RealJoy Realty for a fun and insightful discussion. Together, they walk through real-life real estate scenarios where Kyle gives his take on how he would handle each situation, then Dion and Ashley weigh in to confirm if he’s on the right track. It’s an engagi...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen explore another important legal update for condo owners, buyers, and real estate professionals. They break down the latest revisions to the Condo Law 4.0, focusing on milestone inspections and Structural Integrity Reserve Studies (SIRS), and share what these changes mean for compliance and prop...

Real estate contracts can be confusing, but they don’t have to be! In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen break down the key differences between the AS IS and Standard FR/BAR contracts. They explain what each one means for buyers and sellers, the pros and cons, and which option might work best depending on your unique situation. Whe...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen break down the ins and outs of seller financing - what it is, how it works, and why it might be an attractive option in today’s real estate market. They cover the benefits and risks for both buyers and sellers, key legal considerations, and a few alternative financing options that might suit yo...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen discuss important updates to the Condo Rider in the FR/BAR Contract. They explain the increased focus on seller disclosures, including the requirement to report any special assessments or association projects discussed within the past twelve months. Listen to the full episode to learn why full...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen discuss the revisions to the FR/BAR Contract that went into effect on December 31, 2024. They unpack these key changes and explain how these updates impact real estate transactions in Florida. Listen to the full episode now wherever you get your podcasts!

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen continue their Florida Contract Series with a deeper dive into residential contracts. Building on Parts 1 and 2, they wrap up their discussion on the nuances of the FR/BAR contract and how it contrasts with the CRSP contract, offering expert insights and practical tips to navigate complex scena...

In this episode of Let’s Talk Title with Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen continue their Florida Contract Series with a deeper dive into residential contracts. Building on Part 1, they further explore the nuances of the FR/BAR contract and how it contrasts with the CRSP contract, offering expert insights and practical tips to navigate complex scenarios. Whether you’r...

In this episode of Let’s Talk Title by Emerald Coast Title Services, hosts Dion Moniz and Ashley Bowen launch their Florida Contract Series with an in-depth look at residential contracts. Focusing on the FR/BAR contract, they walk listeners through essential details and highlight key differences from the CRSP contract. Tune in for expert tips and valuable insights on navigating residential contrac...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen dive into two new contract riders, FF and GG, that came out in August, addressing buyers' broker compensation when it hasn't been pre-negotiated. They explain how Rider FF allows buyers and sellers to handle broker compensation directly through the contract, meanwhile, Rider GG makes the contract con...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen give you a legal update on a law (Statute 689.302) that goes into effect on October 1, 2024. This law requires that sellers provide a flood disclosure to buyers either prior to or at the time of contracting for the sale of residential property. Listen to the full episode to learn more!

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss the different ways that you can communicate compensation apart from the Multiple Listing Service (MLS) in light of the new National Association of Realtors (NAR) settlement that prohibits any disclosure of seller commissions going to the buyer on the MLS. This prohibition becomes effective fo...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen walk you through the newly revised Buyer-Broker Agreement form (also known as BBA) section by section to inform you of all the changes that have been made. A signed BBA or, alternatively, a signed Showing Agreement, will be mandatory state-wide as of August 17th (but ECAR is mandating the requirement...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen delve further into the recent updates to the Surfside legislation, effective May 2022. Now, condominiums are required to undergo milestone and SIRS (Structural Integrity Reserve Study) assessments at the age of 30 in some counties (replacing the previous criteria of 25 years within 3 miles of the coa...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen share their thoughts on pre and post-closing occupancy agreements and why they may benefit you during a real estate transaction. They share the different types of these agreements, their requirements, and much more! Have questions about this episode? We’d love to hear from you! Email us at podcast@ec...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss Florida's new law that addresses Right-to-List agreements. Right-to-List agreements can create a lien on the property and prohibit the seller from using a different broker. There is a big offender of using this agreement in a malicious way that caused this new law to exist. Learn about this o...

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss some of their favorite apps that can be used to improve your real estate processes so you can start the new year strong. Dion also shares how the ECTS team uses technology to increase Google reviews, Facebook ratings, and more! Have questions about this episode? Email us at podcast@ects.com!

In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen are breaking down what a Buyer-Broker Agreement is and how it can be used in the real estate industry in light of recent NAR litigation. They get you up to speed with a summary of the litigation, the three types of Buyer-Broker Agreements, and much more! Have questions about this episode? Email us at...