エピソード

  • 2026 Residential Market Outlook: Rates, Inventory & Buyer Shifts

    2026 Residential Market Outlook: Rates, Inventory & Buyer Shifts
    2025/12/18
    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% rangeThe "lock-in effect" and why tight inventory creates a permanent floor under pricesWhat could redirect lender resources away from purchase transactionsWhy buyer fatigue and mortgage-rate sentiment matterA 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 JournalCNBC — 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/podcastStay updated with our newsletter: www.mochoumil.comFollow 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.
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    18 分
  • From Hype to High Impact: Making AI Work for Your Title Business

    From Hype to High Impact: Making AI Work for Your Title Business
    2025/12/10
    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 agenciesCommon AI adoption failures, and how to avoid themA simple 90-day roadmap for AI readiness across your teamThe role of chatbots, virtual assistants, and automation tools when used correctlyHow to build a tech-forward culture that still prioritizes client trust and compliance Resources mentioned in this episode All Tech National TitleQualiaGood Strategy/Bad Strategy by Richard Rumelt | Paperback and KindleChatGPTGeminiMicrosoft 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 AdvisorsLinkedIn: 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/podcastStay updated with our newsletter: www.mochoumil.comFollow 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. ______________________________________________________________________
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    51 分
  • FinCEN Reporting Rule Delayed: What Independent Title Agents Need to Do Now

    FinCEN Reporting Rule Delayed: What Independent Title Agents Need to Do Now
    2025/12/02

    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 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.
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    15 分
  • Commercial Is King: What the Big 4 Just Taught Us About 2026

    Commercial Is King: What the Big 4 Just Taught Us About 2026
    2025/11/28

    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 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.
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    17 分
  • Unpacking Reverse Mortgages: What Title Pros Need to Know

    Unpacking Reverse Mortgages: What Title Pros Need to Know
    2025/11/19

    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 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.
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    18 分
  • How Being In The "Relationship Business" Helped Bill Shaddock Build a National Title Juggernaut

    How Being In The "Relationship Business" Helped Bill Shaddock Build a National Title Juggernaut
    2025/11/11
    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 profitsStrategies for competing against large, well-funded industry giantsThe importance of relationship-building in the title industryKeys to sustaining success in cyclical markets and maintaining independence as a title agentEffective 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 KindleThe 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 TexasLinkedIn: 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/podcastStay updated with our newsletter: www.mochoumil.comFollow 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.
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    39 分
  • Culture Without Borders: How to Keep Remote Teams Engaged and Growing with Hope Ottoviani

    Culture Without Borders: How to Keep Remote Teams Engaged and Growing with Hope Ottoviani
    2025/11/04
    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 membersCommunication habits and rituals that keep company culture strongThe right way to balance empathy with accountability when leading from afarAn ingenious strategy to motivate teams during slower market cyclesSimple tools to strengthen communication and culture right now Resources mentioned in this episode All Tech National TitleEOS WorldwideSlack Microsoft Teams OneDriveZoom 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 TitleLinkedIn: 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/podcastStay updated with our newsletter: www.mochoumil.comFollow 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.
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    21 分
  • The AI-Driven Title Team: Empowering People Through Technology with Hope Ottoviani

    The AI-Driven Title Team: Empowering People Through Technology with Hope Ottoviani
    2025/10/28

    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 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.
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    24 分