Episodes

  • FR/BAR Riders to Know: Part 2

    FR/BAR Riders to Know: Part 2
    Dec 2 2025
    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.
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    24 mins
  • All About ECAR with Maria Howell

    All About ECAR with Maria Howell
    Nov 4 2025
    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.
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    26 mins
  • FR/BAR Riders to Know: Part 1

    FR/BAR Riders to Know: Part 1
    Oct 7 2025
    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!
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    20 mins
  • Ask a Realtor, Confirm with an Attorney featuring Kyle Hock

    Ask a Realtor, Confirm with an Attorney featuring Kyle Hock
    Sep 18 2025
    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!
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    23 mins
  • Legal Update: Condo Law 4.0 and Updated Condo Rider

    Legal Update: Condo Law 4.0 and Updated Condo Rider
    Aug 12 2025
    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.
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    21 mins
  • AS IS vs. Standard FR/BAR: Which One Works for You?

    AS IS vs. Standard FR/BAR: Which One Works for You?
    Jul 14 2025
    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!
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    12 mins
  • Seller Financing & How it Works

    Seller Financing & How it Works
    Jun 3 2025
    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!
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    14 mins
  • Update to Condo Rider FR/BAR Contract

    Update to Condo Rider FR/BAR Contract
    May 6 2025
    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 transparency is essential to protect both buyers and sellers with these new updates!
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    20 mins