Let's Talk Title with Emerald Coast Title Services

Hosted by Emerald Coast Title Services

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May 2026

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Podcast by Emerald Coast Title Services

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May 4, 202610 min

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.

April 2, 20265 min

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.

March 3, 202611 min

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!

December 2, 202524 min

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.

November 4, 202526 min

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.

October 7, 202520 min

FR/BAR Riders to Know: Part 1

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 next episode!

September 18, 202522 min

Ask a Realtor, Confirm with an Attorney featuring Kyle Hock

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 engaging conversation packed with practical takeaways and valuable insights for anyone navigating the real estate world!

August 12, 202521 min

Legal Update: Condo Law 4.0 and Updated Condo Rider

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 property transactions. Plus, they cover an important update to the condo rider you won’t want to miss.

July 14, 202512 min

AS IS vs. Standard FR/BAR: Which One Works for You?

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. Whether you’re a first-time homebuyer or a seasoned investor, understanding these contracts is essential for a smooth transaction!

June 3, 202513 min

Seller Financing & How it Works

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 your next deal. Whether you're a real estate agent, investor, or homeowner, this episode offers valuable insight into creative ways to structure a sale!