Let’s Talk Title With ECTS Podcast
Watch all of our podcast episodes below, or find us on your favorite podcast platform
Florida Contracts Series: Residential Contracts Part 1 (Episode 47)
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 contracts in Florida!
New Contract Riders Related to Buyers’ Broker Compensation (Episode 46)
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 contingent on negotiating a compensation agreement after the contract is executed.
Legal Update: New Flood Disclosure Law (Episode 45)
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 before or at the time of contracting for the sale of residential property. Listen to the full episode to learn more!
Communicating Compensation (Episode 44)
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 for the state starting August 17th, but Emerald Coast Association of Realtors (ECAR) will no longer have fields for compensation on the MLS starting August 12th.
Legal Update: Revised Buyer-Broker Agreements (Episode 43)
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 on August 12th) for each buyer that you represent before showing a property to them.
Second Legal Update to the New Condo Law (Episode 42)
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 coastline). Tune in as we unpack the implications of these changes for coastal property management and communities!
Pre and Post-Closing Occupancy Agreements (Episode 41)
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@ects.com.
Florida’s New Law Addressing Right-to-List Agreements (Episode 40)
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 offender, how you can avoid an invalid Right-to-List agreement, and much more! Have questions about this episode? We’d love to hear from you! Email us at podcast@ects.com.
New Tech for the New Year (Episode 39)
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!
What the Heck is a Buyer-Broker Agreement and How Can it Protect Buyers’ Agents? (Episode 38)
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 podcast@ects.com!
Legal Update: New Laws Regarding Deeds and Mortgage Payoffs (Episode 37)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen are back to give you two new legal updates you should be aware of. The first legal update, going into effect on January 1, 2024, changes the requirements for deeds. The second legal update, which is already in effect as of October 1, 2023, states that mortgage payoffs from lenders are valid for 60 days unless otherwise updated. Have questions about this episode? Email us at podcast@ects.com!
RPAC – What Is It and Why Is It So Important for Realtors? (Episode 36)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen are joined by special guest Cathy Alley, a Realtor for the Cathy Alley Team, Niceville City Council Woman, Chair for the RPAC of ECAR, Director of Florida Realtors, and Director for the National Association of Realtors. They discuss what RPAC is and how important it is for realtors to be involved in this organization to support initiatives for public policy on the state and national levels. They also share a few current public policies, how RPAC has supported realtors in the past, and much more! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Corporate Transparency Act (Episode 35)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss a new federal law that comes into effect on January 1, 2024, called the Corporate Transparency Act. They share how this impacts LLCs used to buy real estate and much more! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Foreign Buyers Law (Episode 34)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen bring you up to speed on the new foreign buyers law and how it affects real estate transactions in our area. They cover who this new law affects, the different types of exemptions from this law, and much more! Have questions about this episode? Email us at podcast@ects.com!
What is a Trust and What are the Benefits of Having One? (Episode 33)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen have a special guest, Jane Kerrigan from Hand Arendall Harrison Sale, who specializes in Estate Planning and Probate Administration. They discuss what a trust is, why it can be useful, how a trust is a great asset planning tool, and much more! Have questions about this episode? Email podcast@ects.com or visit handfirm.com to learn more.
How Probate Could Impact Real Estate Transactions with Jane Kerrigan (Episode 32)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen have a special guest, Jane Kerrigan from Hand Arendall Harrison Sale, who specializes in Estate Planning and Probate Administration. They discuss probate, how it could impact your real estate transaction or closing, and much more! Have questions about this episode? Email us at podcast@ects.com or visit handfirm.com to learn more about Hand Arendall Harrison Sale!
Types of Tenancies for Property Owners (Episode 31)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss the different types of tenancies (the different ways you can take title to a property) and share the characteristics of each. Listen to the full episode to learn which tenancy is best for your situation! Have questions about this episode? Email us at podcast@ects.com!
How to Address Short-Term Rentals in Real Estate Contracts (Episode 30)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss short-term rentals and how you should address them in a contract for purchase of real estate. For many years, short-term rentals were not addressed in the contract at all but were recently added in November of 2021 in the rider of FAR/BAR. Dion and Ashley break down the components of the rider and share their expertise regarding how common issues should be handled. Have questions about this episode? Email us at podcast@ects.com!
Legal Update: Revised Condo Rider for Contracts (Episode 29)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen explain the revisions to the new condo building safety law that they discussed in our last episode. Since that episode, there has been an update to the condo rider form for both the CRSP and FAR/BAR contracts. Dion and Ashley share all you need to know about the updates! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Condo Building Safety Law (Episode 28)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss a new condo law that recently went into effect regarding milestone inspections. They share what the new law means for someone who owns or is looking to purchase a condo in Florida, what milestone inspections are, and much more! Have questions about this episode? Email us at podcast@ects.com!
Breaking Down Power of Attorney (Episode 27)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss powers of attorney and how they should and should not be used for real estate transactions. They cover the different types of powers of attorney, which is best for real estate purposes, and much more. Have questions about this episode? Email us at podcast@ects.com!
New Tech for the New Year(Episode 39)
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!
What the Heck is a Buyer-Broker Agreement and How Can it Protect Buyers’ Agents?(Episode 38)
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 podcast@ects.com!
Legal Update: New Laws Regarding Deeds and Mortgage Payoffs (Episode 37)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen are back to give you two new legal updates you should be aware of. The first legal update, going into effect on January 1, 2024, changes the requirements for deeds. The second legal update, which is already in effect as of October 1, 2023, states that mortgage payoffs from lenders are valid for 60 days unless otherwise updated. Have questions about this episode? Email us at podcast@ects.com!
RPAC – What Is It and Why Is It So Important for Realtors? (Episode 36)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen are joined by special guest Cathy Alley, a Realtor for the Cathy Alley Team, Niceville City Council Woman, Chair for the RPAC of ECAR, Director of Florida Realtors, and Director for the National Association of Realtors. They discuss what RPAC is and how important it is for realtors to be involved in this organization to support initiatives for public policy on the state and national levels. They also share a few current public policies, how RPAC has supported realtors in the past, and much more! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Corporate Transparency Act (Episode 35)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss a new federal law that comes into effect on January 1, 2024, called the Corporate Transparency Act. They share how this impacts LLCs used to buy real estate and much more! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Foreign Buyers Law (Episode 34)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen bring you up to speed on the new foreign buyers law and how it affects real estate transactions in our area. They cover who this new law affects, the different types of exemptions from this law, and much more! Have questions about this episode? Email us at podcast@ects.com!
What is a Trust and What are the Benefits of Having One? (Episode 33)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen have a special guest, Jane Kerrigan from Hand Arendall Harrison Sale, who specializes in Estate Planning and Probate Administration. They discuss what a trust is, why it can be useful, how a trust is a great asset planning tool, and much more! Have questions about this episode? Email podcast@ects.com or visit handfirm.com to learn more.
How Probate Could Impact Real Estate Transactions with Jane Kerrigan (Episode 32)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen have a special guest, Jane Kerrigan from Hand Arendall Harrison Sale, who specializes in Estate Planning and Probate Administration. They discuss probate, how it could impact your real estate transaction or closing, and much more! Have questions about this episode? Email us at podcast@ects.com or visit handfirm.com to learn more about Hand Arendall Harrison Sale!
Types of Tenancies for Property Owners (Episode 31)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss the different types of tenancies (the different ways you can take title to a property) and share the characteristics of each. Listen to the full episode to learn which tenancy is best for your situation! Have questions about this episode? Email us at podcast@ects.com!
How to Address Short-Term Rentals in Real Estate Contracts (Episode 30)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss short-term rentals and how you should address them in a contract for purchase of real estate. For many years, short-term rentals were not addressed in the contract at all but were recently added in November of 2021 in the rider of FAR/BAR. Dion and Ashley break down the components of the rider and share their expertise regarding how common issues should be handled. Have questions about this episode? Email us at podcast@ects.com!
Legal Update: Revised Condo Rider for Contracts (Episode 29)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen explain the revisions to the new condo building safety law that they discussed in our last episode. Since that episode, there has been an update to the condo rider form for both the CRSP and FAR/BAR contracts. Dion and Ashley share all you need to know about the updates! Have questions about this episode? Email us at podcast@ects.com!
Legal Update: New Condo Building Safety Law (Episode 28)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss a new condo law that recently went into effect regarding milestone inspections. They share what the new law means for someone who owns or is looking to purchase a condo in Florida, what milestone inspections are, and much more! Have questions about this episode? Email us at podcast@ects.com!
Breaking Down Power of Attorney (Episode 27)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss powers of attorney and how they should and should not be used for real estate transactions. They cover the different types of powers of attorney, which is best for real estate purposes, and much more. Have questions about this episode? Email us at podcast@ects.com!
Vacant Land Fraud and How to Spot It (Episode 26)
Dion Moniz and Ashley Bowen discuss a current trend regarding vacant land fraud and what you can do to avoid it. Listen to the full episode to learn the different types of fraudulent activity, red flags to look out for, how you can be proactive in avoiding fraudulent contracts, and more. Have questions about this episode? Email us at podcast@ects.com!
The Top Five Closing Day Challenges (Episode 25)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen talk about the top five closing day challenges and the things that you and their team can do to have a seamless closing.
What is Title Insurance? (Episode 24)
In this episode of Let’s Talk Title with Emerald Coast Title Services, Dion Moniz and Ashley Bowen discuss what title insurance is and why you would need it, because title insurance is very important!
VA Appraisals and Tide Water Issues. (Episode 23)
What happens when the appraisal comes in too low?
In this episode, Dion Moniz and Ashley Bowen will discuss what happens if, in a VA loan purchase transaction, a property appraises below the contract price. Whether you are a new or experienced real estate agent, check out this episode and learn more about how to fight a low VA appraisal. ECTS is here to help you have a smoother, more efficient closing process on your property!
Top Five Tips for Realtors (Episode 22)
In this episode, Dion Moniz and Ashley Bowen will present the top five tips for realtors. Whether you are a new or experienced real estate agent, check out this episode and learn the top five tips and how they can help you have a smoother, more efficient closing process on your property!
1031 Exchanges (Episode 21)
Check out our latest Let’s Talk Title with ECTS: 1031 Exchanges! Dion Moniz and Ashley Bowen will explain what a 1031 exchange is and what the requirements are to use this money, saving tax differed exchange program with on your clients next investment property.
New FR/BAR Financing vs. FHA/VA & Appraisal Riders (Episode 20)
Make sure to tune in and check out our latest #Podcast Ep: 20. New FR/BAR Financing vs. FHA/VA & Appraisal Riders. Dion Moniz and Ashley Bowen will explain how the new financing contingency deadline is impacted by the FHA/VA & Appraisal Riders.
What the Heck is FIRPTA?! (Episode 19)
We explain what it is and how it affects your real estate transactions.
FR/BAR Contract Changes Effective November 1, 2021 (Episode 18)
Tune in and check out our podcast episode 18, where we talk about the NEW changes to Florida Realtors’ FR/BAR contracts. These new rules went into effect on November 1st 2021!
Part V: FARBAR vs. CRSP (Episode 17)
In this episode, we are comparing the addenda within the contracts FARBAR and CRSP.
Closing Costs and Repairs – FARBAR vs. CRSP Part IV (Episode 16)
Part IV of Florida Contracts Series has arrived! In this episode, we have provided an explanation of the closing defaults and dispute resolution within the contracts FARBAR and CRSP.
Closing Costs and Repairs – FARBAR vs. CRSP Part III (Episode 15)
Part III of Florida Contracts Series has arrived! We have provided an explanation of the closing costs and repairs within the contracts FARBAR and CRSP.
Leasehold Interests and Financing Contingencies – FARBAR vs. CRSP Part II (Episode 14)
Part II of Florida Contracts Series is finally here! We have provided an explanation of leasehold interests and the different financing contingencies in FARBAR and CRSP.
FARBAR vs. CRSP Part I (Episode 13)
Welcome back to another 🎙Let’s Talk Title with ECTS! This is Part I of our new series on Florida Real Estate Contracts: Dion and Ashley discuss the important terms in the FARBAR and CRSP contracts. Stay tuned for Part 2!
Florida Real Estate is a Crazy-Town! (Episode 12)
Welcome back to another episode of 🎙Let’s Talk Title with ECTS! Our special guest this week is Rachel Spencer, Closing Agent in our Destin office. The topic for this episode is the current Florida Real Estate market and the crazy things we have seen lately on the title/closing side!
2021 Insurance Tips – Let’s Talk Title with ECTS (Episode 11)
Joining us in this episode, Paul Wunstell, Agency Owner of Goosehead Insurance. Paul shared with us important insurance tips as we approach hurricane season, and gave some great advice on how to properly insure your home.
2021 Social Media Tips for Real Estate Agents (Episode 10)
Welcome back to another episode of 🎙Let’s Talk Title with ECTS! Joining us in this episode, Ada Bowman of AB+ Production. Ada shared with us 2021 Social Media Tips for Real Estate Agents and how to position yourself against your competitor.
The Real Estate Market in 2020 – Let’s Talk Title with ECTS (Episode 9)
Welcome back to another episode of 🎙Let’s Talk Title with ECTS! Joining us in this episode, Rodney Martin Waits of Equity & Trust Realty. 2020 has been quite the year for all of us. Rodney shared us with his observations of the real estate market in 2020, and also shared some valuable info and advice for future buyers and sellers.
Halloween Special – Let’s Talk Title with ECTS (Episode 8)
In this special episode, we talked about probate and what happens when property owners pass away. Joining us this week is Jane Kerrigan. Jane is an attorney of Hand Arendall Harrison Sale and her practice primarily focuses on estate planning, probate, and trust administration.
The Current Climate of the Real Estate Market (Episode 7)
Episode 7 of Let’s Talk Title is up! Meet our new co-host, Ashley Bowen. In this episode, we talked about the current climate of the real estate market. A big thank you to those who have been watching since the first episode! If you have yet to watch the previous episodes, they can be found on our website or our YouTube channel.
Wire Fraud Scams in Real Estate Transactions (Episode 6)
Welcome back to another episode of “Let’s Talk Title”. In this episode, we are discussing wire fraud scams that frequently encounter in real estate transactions. 📣 Homebuyers and real estate agents, make sure to watch and learn how to protect yourself from fraudulent activities. If there are specific topics you would like to hear about in the upcoming episodes, feel free to reach out to us! 😃 Contact Us: https://ects.com/contact-us/
Financing and Lender Issues Involved in Real Estate Transactions (Episode 5)
In this episode, episode of “Let’s Talk Title“, we discuss financing and lender issues involved in closing a real estate transaction. Joining us this week is Brandi Ealy of Progress Bank. Brandi has shared lots of valuable information and insights from the perspective of a loan officer, and hopefully you will learn a lot from this podcast.
The Importance and Benefit of Attorneys in a Title Company, and Having Access to Them (Episode 4)
In this episode, Dion and Casey discuss the importance and benefits of having attorneys in a title company and having access to them. Joining them this week is Robert Ward of REMAX By The Sea.
What Title Insurance is and Why it’s Important (Episode 3)
In this episode, Dion and Casey discuss what title insurance is and why having title insurance is so important. Also, they have special guests, Steven Franco and Greg Ganske with Rodos Realty Partners. Grab your coffee and enjoy the podcast! Don’t forget to give it a thumbs up if you like the podcast.
What Happens When a Party Backs out of a Contract and What Remedies are Available? (Episode 2)
Here’s the 2nd episode of our podcast, “Let’s Talk Title with ECTS”! In this episode, Dion Moniz and Casey Jernigan King discuss what happens if the Buyer or Seller decides to back out of the Contract, and what remedies are available. Sit back and enjoy the podcast.
How COVID-19 has Impacted the Real Estate Closing Process. (Episode 1)
Here’s the very first episode of our podcast, “Let’s Talk Title with Emerald Coast Title Services”! In this first episode, Dion Moniz and Casey Jernigan King discuss the impacts of Coronavirus on the real estate closing process. Brew yourself a coffee, find a quiet place and just watch our first episode while staying at home. We’re excited to hear what you think! Leave us a comment down below and give it a thumbs up if you like the podcast.
