In the ever-evolving world of real estate, homeownership dreams can sometimes feel like reaching for the stars, especially for first-timers up against a market faced with soaring prices and higher mortgage rates. As industry pros, you understand the hurdles many novice homebuyers face.

Amid these challenging market conditions, Florida Agency Network remains dedicated to helping you deliver top-notch service to your clients. Let's explore four strategies you can add to your toolkit to assist clients on their journey toward homeownership.

1. Find Value Beyond the Dream Neighborhood

Many first-time homebuyers might be priced out of purchasing in their current or preferred neighborhoods. As industry pros, here’s where you can advise them to think outside the box. Exploring more affordable communities that offer similar amenities can help them settle into homeownership sooner. Lately, more buyers are discovering hidden treasures by relocating to regions with a lower cost of living. For those with remote work options, this can open up a world of possibilities.

2. Invest First, Move Later: Build Equity While Staying Put

For clients committed to staying put in a location where buying is beyond their budget, you can introduce them to a unique approach. They can continue renting in their desired area while purchasing an investment property in a more affordable neighborhood. This strategy allows them to start building equity to apply toward their future dream home.

3. Reimagine Home Styles Beyond Yards and Garages

Sometimes, it’s necessary to help clients understand that the perfect home with all the bells and whistles might be financially out of reach. Alternatives like townhomes or condos typically cost 20% to 29% less than single-family homes. Encourage them to consider these other options to get them into their own home sooner rather than later, even if it means sacrificing a private yard or garage.

4. Join Forces: Partner-Up for Affordability

Educate your clients about the power of co-ownership. If it’s in the cards, suggest they explore the option of teaming up with someone to purchase a property. Whether they live together as roommates, treat the property as an investment, or create other innovative arrangements, a partnership can make homeownership much more attainable. Remember to stress the importance of establishing a legally binding contract that outlines clear terms and an exit plan if the partnership dissolves.

As members of our FAN family, you play a crucial role in helping first-time homebuyers navigate these challenges. By sharing these creative strategies and remaining flexible, resourceful and informed, you can assist your clients in transforming their homeownership dreams into reality.


In the ever-competitive real estate landscape, Florida Agency Network recognizes the importance of reputation management – particularly in today’s digital age. Client feedback holds significant sway in shaping a business’s reputation. While responding to negative reviews is a given, a recent article on also emphasizes the importance of expressing gratitude to positive reviewers.

Positive reviews are like golden nuggets, helping prospective clients make informed decisions. However, the story shouldn’t end once the glowing review is posted; that’s only just the beginning.

Acknowledge and Appreciate

Responding to positive reviews conveys a genuine expression of gratitude. It demonstrates that you value your clients and their opinions. A simple “Thank you for your kind words” can go a long way in fostering goodwill.

Boost Brand Credibility

A collection of unaddressed positive reviews may raise doubts in potential clients’ minds. By actively responding, you confirm the authenticity of these reviews and showcase your dedication to maintaining a stellar reputation.

Strengthen Client Relationships

Engaging with satisfied clients post-transaction helps solidify your relationship. It opens the door to future business opportunities and referrals. A thoughtful response can turn a one-time client into a loyal advocate.

Differentiate Yourself from Competitors

A prompt and heartfelt response sets you apart from others who may not prioritize client engagement. It’s an opportunity to showcase the exceptional service clients can expect when working with your title and settlement agency.

Responding to positive feedback strengthens your bonds with current clients, fuels your audience's growth and encourages more comments. It’s a strategic win-win approach to crafting an outstanding reputation within the industry.

So, as you navigate the dynamic realm of real estate, remember the power of gratitude, the impact of engagement and the strength of our FAN network. After all, it’s not just about the transactions; it’s about the relationships we build.


Conference Season is Always a Great Window into What the Industry is ThinkingOctober and November always seem to be among the busiest seasons of the year, even as “seasonal” sales begin to decline. (Then again, thankfully, there’s not a whole lot of “seasonality” here in Florida!). You’ve probably seen that our own Aaron Davis and Mike LaRosa have been busy sharing their thoughts with a number of respected trade publications. Aaron spoke with The Title Report not long ago about the exploding insurance crisis in Florida while Mike was approached by Housing Wire in October to discuss one of the hottest topics there is right now—affiliated arrangements.

And then, of course, there’s conference season, and this year was no less busy than ever. Aaron and Mike have both made the rounds speaking on affiliated arrangements this year, thanks to RESPRO and ALTA.  In fact, Aaron also spoke on digital closings at ALTA ONE. We’ve also attended several shows too, and hope to see everyone at the FLTA Annual or Premier One’s TitleCON in November. Our own Amy Gregory will be presenting at FLTA and Andrea Somers will be discussing cyber insurance at TitleCON, so come hear what they have to share if you can!

Speaking of ABAs and joint ventures, expect a new video series from Aaron and Mike any time now. They’ll take a dive into the elements of building an ABA (or non-ABA operation) that don’t get talked about too often. We’ll keep you updated as to the launch of that series right here.

It’s conference season again!

As busy as we’ve been, it’s always great to take a breath and take in the annual industry gatherings, where the content, exhibit halls and cocktail hour conversations give us all a little perspective on what’s going on in our space.

Several members of the FAN leadership team headed out to Colorado Springs this October to take in ALTA ONE. In addition to being a spectacular venue, the trip was a great opportunity to network and share insights. You didn’t have to be there to know that building affiliated arrangements is one of the hottest topics in the industry right now, but we can confirm it remains hot and may get even hotter! Remember, title revenue can be captured in many ways, and although ABAs are certainly one approach, they’re not always or automatically the best approach.

We’re seeing a lot more interest in capturing revenue—anywhere, everywhere—as rates remain high as well. Aaron and Mike, in their roles, have been hearing from quite a few agents across the country seeking ways to enter new geographic markets or partner with lenders, builders and REALTORS to build new operations. That was true at the ALTA show as well.

Much like last year’s event, we can’t say that the attitude in the proverbial room was rosy. But many were guardedly optimistic that we’ve at least bottomed out when it comes to rates and order volume. By some accounts, the magic “turnaround” date will be sometime in April or May, 2024, but, by now, we know better than to make assumptions. Instead, we were impressed by the focus on building partnerships and optimizing processes to help ride out the current downturn. The Broadmoor is a great resort destination, but the folks we talked to were all business.

That’s a great approach to take these days.

Remember, we’re happy to help you consider your options—maybe even offer some you hadn’t thought of previously—if you’re seeking to grow your footprint or open a new title operation. That goes for title agents, real estate brokerages or teams, lenders or builders. Just drop us a note and let’s talk.


The rapid shift to online transactions during the pandemic has opened up new avenues for fraudulent activities. According to, one such alarming trend seen among realtors in Florida is an increase in 'fake sellers'—scammers posing as property owners to dupe unsuspecting buyers. Below, we dive into this type of land fraud, how to spot it and what measures to take to avoid it. 

What is Land Fraud?

Land fraud is an illegal scheme in which scammers pose as property owners and attempt to sell properties they don't actually own. This deception can take various forms, from selling non-existent land to selling properties others own. The fraudsters can resort to several strategies to complete their ruse, like forging documents, making excuses for not providing proper identification, or claiming they are out of the country and cannot attend in-person meetings. With digital transactions making fully remote closings more common, these scammers have adapted their tactics to exploit the new opportunities. 

How to Avoid Land Fraud

Whether you are concerned over this growing predicament or not, you should always follow the advice below to ensure your transaction goes as smoothly as possible.

  • Verify the Identity of the Seller: Check multiple versions of the Seller's ID and validate them independently. Be wary of sellers providing excuses for not showing their ID or those who present suspicious identification.
  • Physically Inspect the Property: Never buy a property you have not seen in person. Insist on a physical visit to the property, and be cautious if the seller consistently avoids this.
  • Talk to a Professional: If you're suspicious about a potential seller, tell a real estate professional about your concerns. Real estate attorneys or title agents can perform due diligence and help find inconsistencies that may indicate fraud.
  • Be Wary of Rushed Transactions: Genuine sellers understand that property transactions take time. Anyone rushing you into making a payment or signing documents may have ulterior motives. 

By staying alert and following these guidelines, you can identify and avoid falling victim to land fraud and move into your dream home with peace of mind. Despite the growing complexity of these scams, constant vigilance can go a long way in protecting yourself and your investment.

If you'd like to learn more about these threats and how to combat them, we'd be happy to help. Give us a call at 866-259-4440.


Real-Estate-Agents-Avoiding-FraudA real estate professional must ensure that homebuyers find the home of their dreams and remain secure throughout the transaction process. Unfortunately, according to a recent Florida Realtors article, the threat of fraud is only increasing. As real estate scams become more sophisticated, adopting vigilant and proactive measures to safeguard your clients is essential. Below are some helpful tips from the article that you can use to ensure you are well-prepared to protect your clients from fraud.

Stay Informed: Stay updated on the latest fraud techniques targeting homebuyers. Sites like the U.S. Federal Trade Commission or are reliable sources. The National Association of Realtors also offers a comprehensive data privacy and security toolkit that is instrumental in understanding your responsibilities around client data.

Educate Your Clients: Remember to warn your clients about potential scams like wire fraud or fake buyer text messages during your first meeting and throughout the homebuying process. Make them aware of the red flags, such as requests for personal information or payments via email or text. 

Implement Secure Practices: Use strong, unique passwords and two-factor authentication for all your accounts. Make sure to install timely computer updates and security patches.

Practice Email and Text Safety: Never click on links from an unknown or suspicious email or text message. Always verify the sender's identity before opening attachments or following links. If you receive a suspicious text message, report it as spam and block the number.

Secure Client Data: Handle your client's personal and financial data with extreme care. Ensure all information is stored securely and only share it with trusted contacts. 

The ever-evolving tactics of fraudsters can make the real estate transaction process seem daunting for clients. Realtors can feel like the only line of defense to provide a secure environment for your clients. Thankfully, you're not alone. 

Florida Agency Network can be by your side to help protect your clients through the closing process and beyond. We know how hard you work to protect your clients from these threats because we take the same precautions to assure homebuyers that their dream home is in safe hands. To learn more about how we can protect your clients from fraud, visit our website or call us at 866-259-4440.


Open houses can bring the perfect buyer to the negotiating table or attract enough interest in your home to spark a bidding war.


Valued Client,

We’ve seen some confusion recently with regards to the requirements of Florida’s new Conveyances to Foreign Entities Act, which took effect on July 1, 2023. Foreign principals from “foreign countries of concern” (The People’s Republic of China, Russian Federation, Islamic Republic of Iran, Democratic People’s Republic of Korea, Republic of Cuba, Venezuelan regime of Nicolas Maduro, Syrian Arab Republic) are now prohibited from owning or acquiring any agricultural land or real property on or within 10 miles of any institution or “critical infrastructure” facility anywhere in Florida.

We’ve been fielding questions regarding the now-required Affidavit of Non-Applicability of Restriction on Foreign Ownership – Natural Person(s) and the Affidavit of Non-Applicability of Restriction on Foreign Ownership – Entity. Specifically, who needs to produce the documents and who needs to sign them? We are attaching copies of both for your convenience. Several of our underwriting partners are requiring all buyers to sign both documents at every closing.

We would be delighted to discuss these new requirements as we understand them at the present time, but since the law is so new we do not have any solid information on how it will be applied or enforced in the times to come except as contained in the attached notices. We will not, unfortunately, be able to advise individual buyers on their specific situations other than requiring that they sign and comply with the notices attached to this bulletin. We do, however, also strongly advise that foreign buyers that are citizens of one of the subject countries speak with independent legal counsel in Florida before entering into a contract to purchase real estate in Florida because the law may impact their ability to purchase the property and that inability may result in a breach of the purchase and sale agreement.

We understand that this is new to everyone in our industry. With this bulletin, we are hoping that it helps provide some guidelines to the new process. Please note, we are unable to guide you, or your client, on whether they should enter a contract to purchase. If you have questions or would like to discuss the statute in greater detail, we are always happy to hear from you to try and help as much as we can. Simply give us a call or email us, and we’ll set a time to discuss.

Florida Agency Network

Bulletin PDF Notice to Buyer PDF Affidavit of Compliance PDF

FLTA Notice on Affidavit(s) for Interests of Foreign Countries


Technology is the Fulcrum for Change in the Title IndustryWe’ve talked here before about the huge potential impact of Chat GPT. It’s since become the talk of our industry (and every other industry for that matter). The conversation has now shifted to “how can we best use Chat GPT in our business?

Of course, Chat GPT was quite the popular topic at our recent visit to the National Settlement Services Summit in early June. And it reminded us that the title industry has come to rely on technology more than ever. That’s a far cry from where we were not too long ago! But the days of paper files, faxes and couriers are now behind us. It’s no longer a question of whether the best title agents are automated. Instead, it’s “are they automated effectively?”

It only starts with tech.

If anything, we’ve long believed that “new” technology and “effective” technology don’t always have to be the same thing. New tech can be effective, but so can previously existing technology, used properly. The real trick is determining whether a technological investment addresses a real need in one’s operation, and whether it cost-effectively performs what it was advertised to be capable of. Our title agencies, for example, make use of a great AI technology that came on the scene two or three years ago, called Alanna. Alanna is an AI technology that has conversations—not just blasts or broadcasts—with customers, which allows our team to address more complex challenges or move their closings along the line more efficiently. Alanna is what you might call a “sexy” technology.

People and strategy still make the difference.

And yet, it takes more than the shiny new technology to create a world-class operation. We’ve long been focused on using scalable resources at FAN—which has been to our great benefit throughout this ever-changing market cycle. We were among the first title firms to make use of centralized resources and eliminate true redundancies. For some of those efficiencies, we used new tech. For others, we used proprietary or existing tech. But just as important to the centralized resources approach is the team we built along with their skills, experience and talent. Today, for example, PDS isn’t just our top flight IT team. It has also become one of the top managed IT services and cyber defense firms in the industry!

It was quite interesting to see how other title firms are combining strategy, technology and other resources for improved efficiency and performance. In talking to a number of other professionals at NS3, we were amazed at how far the title industry—perhaps from necessity—has come in just a few short years. We’re seeing agents becoming increasingly open minded when it comes to JVs or affiliated arrangements. We’re seeing more and more new technology coming into the market—and it’s not all growing out of other title agents’ proprietary solutions. All of this is to the betterment of our industry. Mortgage lending is changing. It will be our duty to change and evolve along with our clients.

We at FAN, PDS and the entire FAN family will only continue to look ahead; to ask ourselves “how can we do this better?” And we welcome your ideas, input and questions as well!


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