Title Agents Podcast

What do the earnings reports of the Big Four title underwriters actually reveal about the future of the industry? A lot more than most people realize. In this episode, Crosby and Zina unpack the Q4 and full-year 2025 financial reports from Fidelity National Financial, First American Financial, Old Republic, and Stewart Information Services. Behind the billions in revenue lies a powerful signal: commercial real estate, especially data centers and energy infrastructure, is becoming one of the most lucrative segments in the title business. They break down the real numbers behind commercial deal fees, the return of the refinance market, why independent agents are still thriving alongside direct operations, and how automation and AI are quietly reshaping margins across the industry. If you want to understand where the title is heading next and how to position your agency to win, this deep dive delivers the roadmap.   What you'll learn from this episode ●     Why Big Four earnings reports act as a real-time crystal ball for the title industry ●     How commercial deals tied to data centers and energy infrastructure are driving explosive growth ●     The massive gap between residential and commercial title fees, and what creates that value ●     A way independent agents continue capturing market share despite the underwriter's direct operations ●     What automation, OCR, and AI are doing to margins across the entire title ecosystem   Resources mentioned in this episode ●      Atomic Habits by James Clear | Kindle, Audiobook, and Paperback ●     Fidelity National Financial Reports Fourth Quarter and Full‑Year 2025 Financial Results ●     First American Financial Reports Results for the Fourth Quarter and Full Year of 2025 ●     Old Republic Reports Results for the Fourth Quarter and Full Year 2025 ●     Stewart Reports Fourth Quarter and Full Year 2025 Results     Connect With Us Love what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected.   ●     Explore more on our website: www.alltechnational.com/podcast ●     Stay updated with our newsletter: www.mochoumil.com ●     Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

What does it take to build a title company that doesn't just survive market cycles but grows through them? In this episode, Chip Ridge, founder of Perpetual Title, shares his journey from launch in 2002 to navigating corporate life, rebranding, expanding into multiple states, adding 1031 exchange services, and aggressively leaning into automation and AI. From instant escrow funding and fee transparency to agentic AI workflows and fraud-prevention layers, Chip breaks down what technology actually matters and what's just noise. This conversation challenges independent agents to rethink their value proposition, embrace automation strategically, and stay "all in" amid increasing consolidation pressures.   What you'll learn from this episode ●     How to improve revenue per employee without sacrificing human touch ●     Where AI agents fit into the title workflow, and where humans still must lead ●     Why 1031 exchanges and commercial capabilities diversify long-term revenue ●     The way cybersecurity layers and vendor partnerships mitigate fraud risk ●     What independent agencies must do now to compete in a consolidating industry   Resources mentioned in this episode ●     Traction by Gino Wickman | Kindle, Audiobook and Paperback ●     The Science of Scaling by Dr. Benjamin Hardy and Blake Erickson | Kindle, Hardcover, and Mass Market Paperback ●     Qualia ●     SoftPro ●     CloseSimple   About Chip Ridge Chip Ridge is the Founder of Perpetual Title, a title and settlement company focused on delivering responsive, relationship-driven service to real estate professionals, lenders, and investors. With extensive experience in the title insurance and closing industry, Chip is known for his commitment to transparency, accuracy, and client education throughout the transaction process. He built Perpetual Title to prioritize clear communication, proactive problem-solving, and long-term partnerships in an industry often known for delays and complexity. Chip is also an advocate for professionalism and ethical standards in real estate transactions.   Connect with Chip ●     Website: Perpetual Title ●     LinkedIn: Donald (Chip) Ridge   Connect With Us Love what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected.   ●     Explore more on our website: www.alltechnational.com/podcast ●     Stay updated with our newsletter: www.mochoumil.com ●     Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

January and February feel quiet in the title industry. Closings slow down. Calendars look light. It's tempting to coast. But in this episode, Crosby and Zina challenge that mindset completely. Winter isn't downtime; it's separation season. Revenue is a lagging indicator, and the deals you close in April are a reflection of what you built in February. This deep dive unpacks a three-phase framework called the 90-Day Spring Sprint, a practical roadmap for turning slow months into strategic advantage. From AI-powered CRM segmentation to personalized outreach, fraud-focused authority content, and automated workflows, this episode is a blueprint for reps and agency owners who want to enter spring positioned, not panicked.   What you'll learn from this episode 3 phases of the 90-Day Spring Sprint AI tools that can segment your CRM and surface real market intelligence What kills momentum, and what value-first outreach looks like How to build authority before contracts spike Why hustle isn't the true competitive advantage in 2026   Resources mentioned in this episode ChatGPT Perplexity AI Claude Canva AI Loom Descript Zapier Apollo Clay   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Janis Gaines, founder of Real Estate Closing Path, breaks down why structured, training, not just seat time, will determine which agencies win the next decade. From aging talent pools and rising compliance demands to AI integration and gaps in customer education, Janis explains why agencies can no longer afford "learn by osmosis" onboarding.   What you'll learn from this episode Why structured onboarding beats the old "sit next to Sally" training model How mentorship prevents costly mistakes and accelerates confidence What adaptability to AI and technology really looks like inside a title office The role that company culture plays in reducing turnover and burnout A practical roadmap for creating a real career path in your agency   Resources mentioned in this episode The Success Principles(TM) by Jack Canfield | Paperback and Hardcover ALTA - Best Practices Blog - Smart Start Property HER. The Title Collective Real Estate Closing Path – Closing Timeline Graph (FREE RESOURCE)   About Janis GainesJanis Gaines is the Founder of Real Estate Closing Path, a training and consulting platform designed to help real estate professionals confidently navigate the closing process from contract to funding. With extensive experience in title, escrow, and real estate transaction coordination, Janis specializes in educating agents, investors, and support staff on reducing closing delays, avoiding common contract pitfalls, and improving client communication. Through workshops, online training, and practical step-by-step systems, she equips professionals with the tools and clarity needed to streamline transactions and close deals smoothly.   Connect with Janis Website: Real Estate Closing Path LinkedIn: Real Estate Closing Path Facebook: Real Estate Closing Path   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

After months of anxiety around the looming "tax cliff," the calm of early 2026 isn't accidental; it's legislative. In this episode, Crosby and Zina unpack how the Omnibus Budget Reconciliation Bill (OBBB) quietly rewired the real estate tax landscape and restored certainty to investors, homeowners, and markets alike. From expanded SALT deductions and permanent bonus depreciation to Opportunity Zones 2.0 and the preservation of the step-up in basis, this deep dive explains why capital is moving again, and how smart real estate players can align with the incentives now locked in for the next decade.   What you'll learn from this episode How the expanded SALT deduction is unlocking pent-up housing mobility in high-tax states What makes 100% bonus depreciation and cost segregation a powerful engine for deal velocity The role Section 179 now plays in accelerating commercial reinvestment and cash flow Opportunity Zones 2.0 and the new rolling clock Why the step-up in basis preserves legacy wealth   Resources mentioned in this episode BBB Cheat Sheet.pdf   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Storytelling isn't just a marketing tool; it's a competitive advantage. In this episode of the Title Agents Podcast, Mo Choumil sits down with industry veteran and writer Michael Holden of AmTrust Title to explore how storytelling, history, and human connection shape the future of the title business. From his early days in a family-owned agency to navigating the Great Recession, building thought leadership through Ramblings of a Title Man, and witnessing seismic shifts in technology, automation, and fraud risk, Michael offers a grounded, honest look at where the industry has been and where it's heading next.   What you'll learn from this episode Why the role of the title professional has shifted from title examination to experience-driven closings What the 2008 recession taught about resilience, scalability, and agency survival The reasons smaller, agile underwriters are driving innovation across the industry How automation and AI will reshape title examination while elevating the importance of closings Main essential for modern title professionals you need to know   Resources mentioned in this episode The Ramblings of a Title man 1929 by Andrew Ross Sorkin | Kindle, Paperback, and Hardcover   About Michael HoldenMichael Holden is a senior leader at AmTrust Title, where he works with real estate professionals, lenders, and industry partners to deliver reliable, compliance-driven title and settlement solutions nationwide. With deep experience in title insurance operations, risk management, and relationship development, Michael is known for his practical approach to navigating complex transactions and evolving regulatory environments. His work focuses on protecting property rights, streamlining closings, and supporting real estate professionals with responsive service and national scale.   Connect with Michael Website: AmTrust Financial LinkedIn: Michael Holden, NTP, CLTP   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

After two years of paralysis, 2026 marks a true reset for real estate, and title professionals are standing at the center of it. With the 30-year fixed rate stabilizing around 6%, inventory finally moving, and capital reentering the market, Crosby and Zina break down why this moment is less about celebration and more about readiness. From a residential rebound driven by life events, to aggressive M&A targeting tech-enabled firms, to office-to-residential conversions reshaping downtowns, this episode explains what's unlocking the market, and why rising fraud risk and compliance standards now define who survives the next cycle.   What you'll learn from this episode Factors that are breaking the lock-in effect and driving a residential rebound What valuation realism means for title agencies facing renewed M&A interest The reason commercial transactions are surging through office-to-residential conversions How deep–fake–enabled wire fraud is forcing a shift from resilience to true anti-fragility Why SOC 2 compliance and AI governance are becoming a license to operate in title   Resources mentioned in this episode NAR Forecast: Home Sales Expected to Jump 14% in 2026 Antifragile by Nassim Nicholas Taleb | Kindle, Paperback, and Hardcover   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

In this empowering episode, Rami Odeh shares his 35-year journey from motocross to ultra-marathons and, ultimately, to bodybuilding. With expertise in industrial psychology and exercise physiology, he reveals how he's helped countless busy professionals overcome fitness challenges, embrace accountability, and achieve lasting health transformations. Tune in for actionable tips to crush your fitness goals in 2025!   What you'll learn from this episode Why defining your "why" is essential for fitness success The role of accountability in sticking to health routines Strategies for busy professionals to integrate fitness into daily life How mindset and intentionality create resilience and sustainable health habits Practical insights into nutrition, including flexible dieting and protein's role in fat loss   Resources mentioned in this episode Atomic Habits by James Clear | Paperback, Hardcover, Kindle The Comfort Crisis by Michael Easter | Paperback, Hardcover, Kindle Scarcity Brain by Michael Easter | Paperback, Hardcover, Kindle MyFitnessPal   About  Rami OdehRami F. Odeh is the founder of FormWell Personal Fitness Training, a personal training company located in Sandy Springs, GA. Founded in 1999, in the over 20 years Rami ran and owned the business, FormWell helped over 5000 clients achieve their exercise and weight loss goals. Rami sold this business in 2019 to pursue his next dream career: motivational speaking, writing, and coaching. Rami has dual master's degrees, one in industrial psychology and the other in exercise physiology, and is certified by the American College of Sports Medicine as a health and fitness specialist. He also worked for 11 years for Northside Hospital in Atlanta, GA as an exercise physiologist in the Outpatient Weight Reduction Clinic and the Diabetes Education Department.   Connect with Rami Website: Coach Rami | Alloy Franchise Opportunity LinkedIn: Rami Odeh   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected.  Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Join us as we sit down with Darryl Turner, sharing his game-changing insights into sales strategies, the power of relationship building, and how to turn non-referring agents into valuable partners. Whether you're a title professional navigating today's challenging market or simply looking to refine your sales skills, this episode is packed with actionable advice, so dive in!   What you'll learn from this episode The concept of "Duplication Revelation" and how it can revolutionize your sales strategy Why non-referring agents (NDCs) represent a significant growth opportunity Strategies to handle objections and overcome client loyalty to competitors How to build stronger relationships with clients to improve retention Tips for thriving in a down market by shifting your mindset and goals   Resources mentioned in this episode Uncommon Sense by Darryl Turner | Paperback, Hardcover, and Kindle Time Traps by Todd Duncan | Paperback, Hardcover, and Kindle The 21 Irrefutable Laws of Leadership by John C. Maxwell | Paperback, Hardcover, and Kindle Blue Ocean Strategy by W. Chan Kim and Renée Mauborgne | Paperback, Hardcover, and Kindle The E-Myth Revisited by Michael E. Gerber | Paperback and Kindle   Join industry leaders for two days of game-changing strategies, proven sales techniques, and powerful growth insights at the Title Sales Mastery 2026! Seats are limited—secure yours today at https://darrylturner.com/tsm26/   About Darryl TurnerDarryl Turner left his corporate position to start The Darryl Turner Corporation in 1994. Passionate about training and helping people become their best selves, Darryl knew he could develop a larger footprint, and a successful sales force beyond the sector he currently served. Within his first year of operation, Darryl found success in the title industry and continued to develop his presence through the results and testimonies of some of the most influential within the industry.   Connect with Darryl Website: Darryl Turner Corporation LinkedIn: Darryl Turner   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

What does it take to build teams that perform under pressure, year after year, across entirely different environments? In this special kickoff episode for 2026, Mo Choumil sits down with legendary college basketball coach Jim Larrañaga, whose leadership journey spans more than four decades and includes historic Final Four runs with both George Mason and the University of Miami. He shares timeless lessons on leadership, vision, accountability, habits, and culture, insights that translate seamlessly from the court to the boardroom. Whether you lead a title agency, a sales team, or a growing organization, this conversation sets a powerful tone for the year ahead.   What you'll learn from this episode How culture is built through behavior, habits, and alignment, not slogans What accountability looks like when paired with trust and communication The role that daily routines and habits play in long-term team success A simple yet effective way to create sustainable performance Why great leaders see themselves first as teachers and servant leaders   Resources mentioned in this episode The 7 Habits of Highly Effective People by Stephen R. Covey | Kindle, Paperback, and Hardcover The Dream Manager by Matthew Kelly | Kindle and Hardcover The Score Takes Care of Itself by Bill Walsh, Steve Jamison, and Craig Walsh | Kindle, Paperback, and Hardcover Pomeroy College Basketball Ratings Dr Bob Rotella   About Jim LarrañagaJim Larrañaga is a Hall of Fame college basketball coach and the longtime head coach of the University of Miami Hurricanes men's basketball program. Widely respected for his leadership, culture-building, and player development, Coach Larrañaga has led multiple programs to historic success, including Final Four and Elite Eight appearances. He is known for his emphasis on character, accountability, and team-first leadership, as well as his ability to develop NBA-caliber talent. Over his career, he has earned numerous Coach of the Year honors and is frequently invited to speak on leadership, motivation, and performance both within and beyond sports.   Connect with Jim Facebook: 104.3 WQAM YouTube: Hoch, Crowder & Solana Show Instagram: @jimlarranaga X: @CanesCoachL   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Bestselling author Bob Burg joins the show to share how "The Go-Giver" philosophy turns traditional business thinking upside down. He explains how shifting focus from getting to giving creates stronger relationships, bigger opportunities, and lasting success. Discover how to apply the five laws of stratospheric success to build trust, scale your impact, and rise above the noise in today's crowded title industry.   What you'll learn from this episode Five laws of stratospheric success and how they apply to title and real estate The difference between price and value and how to create an exceptional client experience How to scale your impact without sacrificing service quality Why putting others' interests first leads to influence and trust How to overcome "anti-prosperity" messages and embrace receptivity Practical tips for approaching and developing mentor relationships   Resources mentioned in this episode The Go-Giver by Bob Burg and John David Mann | Paperback, Hardcover, and Kindle Go-Givers Sell More by Bob Burg and John David Mann | Paperback, Hardcover, and Kindle The Go-Giver Leader by Bob Burg and John David Mann | Paperback, Hardcover, and Kindle How to Master the Art of Selling by Tom Hopkins | Paperback, Hardcover, and Kindle How to Win Friends & Influence People by Dale Carnegie | Paperback, Hardcover, and Kindle The Magic of Thinking Big by David J. Schwartz | Paperback, Hardcover, and Kindle Think and Grow Rich by Napoleon Hill | Paperback and Kindle Living Untethered by Michael A. Singer | Paperback, Hardcover, and Kindle The Untethered Soul by Michael A. Singer | Paperback, Hardcover, and Kindle The Surrender Experiment by Michael A. Singer | Paperback, Hardcover, and Kindle   About Bob BurgBob Burg is a bestselling author, speaker, and business strategist whose work has influenced millions worldwide. He is best known as the co-author of The Go-Giver with John David Mann, a Wall Street Journal and BusinessWeek bestseller that has sold over a million copies, been translated into 30 languages, and consistently ranks among the most motivational business books of all time. For more than three decades, Bob has helped companies, leaders, and sales teams communicate value more effectively, sell with less resistance, and grow through relationships and referrals. With over two million books sold, including the classic Endless Referrals, he continues to champion the principle that lasting success comes from serving others first.   Connect with Bob Website: The Go-Giver LinkedIn: Bob Burg Facebook: Bob Burg YouTube: Bob Burg   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

If you feel overwhelmed by conflicting commercial real estate forecasts, you're not alone. In this episode, Crosby and Zina cut through the noise by synthesizing insights from nine major industry sources, including CBRE, JLL, NAIOP, NAR Commercial, the Mortgage Bankers Association, and leading financial publications. They break down what's really shaping the 2026 CRE landscape, from tight capital markets and refinancing risk to sector-by-sector performance and the disruptive forces of technology and ESG. The takeaway is clear: commercial real estate is no longer about broad recovery, but about selectivity, function, and future-proof assets   What you'll learn from this episode Why debt availability, not demand, is the biggest factor shaping commercial real estate in 2026 How the upcoming maturity wall is forcing owners to refinance, recapitalize, or reposition assets What cap rate expansion means for pricing, valuations, and stalled deal flow The way the office market is dividing into high-quality assets and functionally obsolete properties Which commercial sectors are positioned to remain resilient despite capital constraints   Resources mentioned in this episode CBRE — Commercial real estate sector outlooks JLL — Global & U.S. CRE forecasts NAIOP — Office absorption & space utilization (Office Space Demand Forecast) MBA — Commercial & multifamily debt forecasts NAR Commercial — Investment & transaction trend analysis Bisnow — CRE technology & ESG coverage (tag hub) Commercial Observer — Capital markets & refinancing analysis CNBC — Macro-economic & real estate market coverage   Connect With Us Love what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

As forecasts for 2026 flood the market, clarity has never been harder or more important to find. In this episode, Crosby and Zina cut through the noise by synthesizing insights from nine of the most influential housing reports, including NAR, Fannie Mae, Freddie Mac, Zillow, Redfin, the MBA, and major financial media. They break down where the experts agree, where they sharply disagree, and why affordability, inventory lock-in, and buyer psychology will define the residential market heading into 2026. This is a data-driven, big-picture conversation designed to help title professionals understand what's actually shaping the next cycle, not just the headlines.   What you'll learn from this episode How affordability remains the core constraint, even if rates fall into the mid-6% range The "lock-in effect" and why tight inventory creates a permanent floor under prices What could redirect lender resources away from purchase transactions Why buyer fatigue and mortgage-rate sentiment matter A major factor in creating local market divergence   Resources mentioned in this episode National Association of REALTORS® Fannie Mae Freddie Mac Mortgage Bankers Association (MBA) Results from the Zillow Consumer Housing Trends Report 2025 Northeast Buyers Battle It Out While the Sun Belt Cools Off Zillow+1 Redfin — Migration data & regional inventory analysis The Wall Street Journal CNBC — Real estate & housing market news   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

AI isn't coming for your job; it's coming for your inefficiencies. In this episode, Mo Choumil sits down with Justin Trombold, PhD, MBA, to demystify what real AI adoption looks like for small and mid-sized title agencies. Justin shares how to move past hype and fear to build an AI-ready culture, one practical use case at a time. From low-cost starting points and training roadmaps to automation myths and scaling strategies, this episode lays out a grounded, 90-day framework for turning generative AI into measurable results.   What you'll learn from this episode The difference between AI hype and real operational ROI for title agencies Common AI adoption failures, and how to avoid them A simple 90-day roadmap for AI readiness across your team The role of chatbots, virtual assistants, and automation tools when used correctly How to build a tech-forward culture that still prioritizes client trust and compliance   Resources mentioned in this episode All Tech National Title Qualia Good Strategy/Bad Strategy by Richard Rumelt | Paperback and Kindle ChatGPT Gemini Microsoft Copilot   About Justin Trombold, PhD, MBAJustin R. Trombold, PhD, MBA, is the founder and President of AnteSyn Advisors, a strategy and Generative AI consultancy that helps leadership teams turn complex market shifts into value-creating growth. Drawing on a background as a human physiology researcher and postdoctoral fellow at UT Southwestern, as well as strategy roles at North Highland, Grant Thornton, and Deloitte, he specializes in healthcare, life sciences, and technology, with deep experience in growth strategy, M&A, and enterprise transformation. Justin is known for his Enterprise Generative AI Readiness Diagnostic and for guiding organizations beyond AI "pilots" into scalable, measurable impact by aligning vision, operating models, and culture. A frequent advisor, author, and interview guest on GenAI readiness and organizational change, he combines analytical rigor with human-centered leadership to help clients build strategies that are both competitive and ethically grounded.   Connect with Justin Website: AnteSyn Advisors LinkedIn: Justin Trombold   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com. ______________________________________________________________________

The federal government just changed the rules for real estate transparency, again. In this episode, Crosby and Zina unpack the long-awaited shift from temporary Geographic Targeting Orders (GTOs) to a permanent nationwide reporting mandate from FinCEN. The new rule requires title companies to collect, verify, and store beneficial ownership information (BOI) for all-cash residential transactions across the U.S. They break down the new timeline, why implementation was delayed, and the five steps every title company must take before the 2026 rollout.   What you'll learn from this episode Why title companies, not lenders, bear the full compliance burden The new definition of "beneficial owner" and what "substantial control" really means 5-step blueprint to prepare your team and avoid compliance penalties How to address client privacy concerns and build trust through transparency What tools underwriters and software platforms are building to automate filings   Resources mentioned in this episode FinCEN ALTA FinCEN BSA E-Filing System Qualia ResWare   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

The Big Four underwriters, FNF, First American, Stewart, and Old Republic, just redefined the title landscape. In this episode, Crosby and Zina unpack the Q3 results that prove the market isn't depressed, it's evolving. They break down how the "tech titans" are restoring profit margins through automation and digital platforms, while challengers like Stewart double down on agency recruitment and Old Republic stands firm in disciplined underwriting. If you're planning for 2026, this is your roadmap to align your agency with the right partners, platforms, and priorities before the next market cycle hits.   What you'll learn from this episode How the Big Four title underwriters are shifting strategies amid market volatility Why FNF is betting its future on full digital adoption Reasons why Stewart is recruiting agents and expanding market share What the Old Republic is doing to stay steady 3 critical pivots independent agencies must make to stay profitable in 2026   Resources mentioned in this episode Fidelity National Financial (FNF) First American Financial Corporation (FAF) Stewart Title Old Republic Title   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Reverse mortgages may promise security for senior homeowners, but they come with layers of complexity that every title professional should understand. In this episode, Crosby and Zina take a deep dive into the federally insured Home Equity Conversion Mortgage (HECM) program, exploring how these loans really work behind the scenes. From mandatory counseling and insurance premiums to title-specific issues, this conversation unpacks the legal, technical, and ethical rules that define one of real estate's most misunderstood financial tools.   What you'll learn from this episode The key differences between FHA-insured HECMs and proprietary reverse mortgages Why the life expectancy set-aside (LESA) exists and how it affects taxes and insurance Title-specific traps: dual mortgages, outdated forms, and required endorsements What heirs and non-borrowing spouses must know about loan maturity and repayment How title professionals can educate clients and estate planners to prevent costly surprises   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Discover the driving forces behind Capital Title's rise to prominence with founder Bill Shaddock. He shares his hands-on approach to leadership, the critical role of company culture, and effective strategies for maintaining independence in a consolidating market. Tune into this episode to thrive in this competitive title industry!   What you'll learn from this episode How to build a strong company culture that prioritizes people over profits Strategies for competing against large, well-funded industry giants The importance of relationship-building in the title industry Keys to sustaining success in cyclical markets and maintaining independence as a title agent Effective leadership approach to help foster an entrepreneurial spirit within the organization Resources mentioned in this episode How to Win Friends and Influence People by Dale Carnegie | Paperback, Hardcover, and Kindle The Power of Who by Bob Bodine | Hardcover and Kindle   About Bill ShaddockBill is the owner and CEO of the Bill Shaddock Family of Companies and is a leading figure in the North Texas business community. He earned his BBA in Finance at TCU and his MBA in Real Estate at SMU and went on to earn his JD from Baylor Law School. He subsequently joined a downtown Dallas law firm. Shaddock left the practice of law in 1983, to team with his brother, Peter, in the real estate business. Together, they started Shaddock Development Co., which is now one of the most prolific real estate businesses in North Texas. Bill remains an active partner in Shaddock Development Co. along with his brother Peter and sons, William and Andrew. Additionally, Bill is an accomplished entrepreneur, having founded a collection of businesses known as The Bill Shaddock Family of Companies. These include Capital Title of Texas (the Largest Independent Title Company in the United States), Shaddock National Title Holdings (collection of title companies across the United States), First National Title Insurance Co. (the 9th Largest Title Underwriter in the United States) and Willow Bend Mortgage Company.   Connect with Bill Website: Capital Title of Texas LinkedIn: Bill Shaddock   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

What does company culture look like when your team spans states and continents? Hope Ottoviani joins us for an honest look at how to build and sustain connection, loyalty, and growth in a global workplace. She shares how All Tech's core values — Win Together, Earn Together, and Grow Personally and Professionally — stay alive across time zones through communication, coaching, and creativity. From daily huddles and virtual contests to mentorship and empathy-driven leadership, this episode shows how culture thrives without borders.   What you'll learn from this episode How to build authentic connection with remote team members Communication habits and rituals that keep company culture strong The right way to balance empathy with accountability when leading from afar An ingenious strategy to motivate teams during slower market cycles Simple tools to strengthen communication and culture right now   Resources mentioned in this episode All Tech National Title EOS Worldwide Slack Microsoft Teams OneDrive Zoom   About Hope OttovianiHope Ottoviani has diverse work experience spanning various industries. Hope began their career in 2005 as a Dishwasher/Caterer at Nissan Pavilion/Jiffy Lube Live. Hope then worked as a Shift Runner at Domino's Pizza from 2005 to 2009. In 2009, they became a Crew Leader at Einstein's Café, staying until 2011. During this time, in 2010, they also had an internship at CBS Radio Station. In 2010, they joined Starbucks as barista and remained there until 2011. In 2011, they joined Clearmind Events as a Trainer/Authorized Distributor for a few months. Since 2011, they have worked at Alltech National Title, starting as a Settlement Processor and becoming an Operations Manager. Currently, they hold the position of National Director of Operations. Hope Ottoviani completed an AA degree in Communications from Lord Fairfax Community College from 2007 to 2009. Hope then pursued a BA in Communications at Christopher Newport University from 2009 to 2011. Additionally, they obtained a certification as an insurance producer and title producer from ATG Title.   Connect with Hope Website: ATG Title LinkedIn: Hope Ottoviani   Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.

Artificial intelligence isn't replacing people, it's empowering them. Today, Hope Ottoviani explores how AI and automation are reshaping every corner of the title industry. She shares how All Tech uses AI to streamline operations, enhance communication, and restore work-life balance without losing the human touch. From virtual assistants and instant title searches to smarter client communication and leadership buy-in, this episode reveals how the "AI-driven title team" is built around people first.   What you'll learn from this episode How AI helps title professionals maximize time, reduce burnout, and stay focused on clients Real-world ways All Tech National uses AI, from virtual assistants to automated commitments An effective tactic on how to get team buy-in and avoid overwhelming staff  Where AI is already transforming title searches, quality control, and communication Future opportunities for AI in refinances, data mining, and customer experience Practical first steps for any title agency to start using AI effectively   Resources mentioned in this episode  All Tech National Title Qualia ChatGPT Google Gemini    Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected.  Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil Stop waiting on underwriter emails or callbacks—TitleGPT.ai gives you instant, reliable answers to your title questions. Whether it's underwriting, compliance, or tricky closings, the information you need is just a click away. No more delays—work smarter, close faster. Try it now at www.TitleGPT.ai. Closing more deals starts with more appointments. At Alltech National Title, our inside sales team works behind the scenes to fill your pipeline, so you can focus on building relationships and closing business. No more cold calling—just real opportunities. Get started at AlltechNationalTitle.com. Extra hands without extra overhead—that's Safi Virtual. Our trained virtual assistants specialize in the title industry, handling admin work, client communication, and data entry so you can stay focused on closing deals. Scale smarter and work faster at SafiVirtual.com.