Let's Talk Title with Emerald Coast Title Services

You’re Under Contract & There’s Mold, Now What?

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 specific inspection riders like FR/BAR Rider I or CRSP Rider R. The conversation highlights key timelines, repair limits, and buyer options, along with practical insight into cancellation rights, disclosure obligations, and why addressing mold early can help both buyers and sellers avoid bigger issues down the line.

Updated Compensation Agreement

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. Tune in to learn how this updated agreement improves clarity, reduces potential issues in transactions, and helps ensure everyone is on the same page when it comes to broker compensation.

New FinCEN Real Estate Reporting Requirements

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!

FR/BAR Riders to Know: Part 2

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 everything buyers, sellers, and agents should know to feel confident navigating the full set of FR/BAR Riders.

All About ECAR with Maria Howell

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 joining committees to participating in the Leadership Development Program (LDP), this episode offers valuable guidance for anyone looking to grow professionally and make an impact in the industry.