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• Title-specific traps: dual mortgages, outdated forms, and required endorsements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.

What does it take to run a title company that never sleeps? In this episode, we sit down with Hope Ottoviani to explore how the company scaled globally without losing its culture or quality. She shares how she built a thriving offshore and hybrid team across continents, established accountability systems, and used automation and AI to drive efficiency, without micromanagement. This is a playbook for every title leader ready to embrace remote operations and scale without borders.

What you'll learn from this episode

• How All Tech National Title built a high-performing global team across multiple time zones
• Key systems, KPIs, and accountability tools that make remote operations seamless
• The communication and cultural habits that keep global teams unified
• How automation, smart triggers, and AI streamline workflows across 39 states
• Lessons learned from scaling offshore operations and what didn't work early on
• Practical advice for title leaders exploring hybrid or offshore staffing

Resources mentioned in this episode

• All Tech National Title
• EOS Worldwide
• Bloom Growth
• Microsoft Teams
• Slack
• Virtual Staffing Solutions

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.

Unlock the keys to skyrocketing your business's value in this episode as Adam Coffey shares his expertise in mergers and acquisitions (M&A), the intricacies of private equity, and essential advice to gear your company up for potential acquisitions. Tune in to learn how to leverage strategic insights to take your business to the next level.

What you'll learn from this episode

• Basics of mergers and acquisitions for title professionals
• The importance of clean financials and accurate valuations
• How to prepare a title company for potential acquisition
• Common mistakes in business valuation and how to avoid them
• Strategies to increase the value of your title company

Resources mentioned in this episode

• Private Equity Playbook by Adam Coffey | Paperback, Hardcover, and Kindle
• Empire Builder by Adam Coffey | Paperback, Hardcover, and Kindle
• The Exit-Strategy Playbook by Adam Coffey | Paperback, Hardcover, and Kindle
• Adam Coffey - Forbes Business Council
• The Millionaire Next Door by Thomas J. Stanley and William D. Danko | Paperback, Hardcover, and Kindle
• Good to Great by Jim Collins | Hardcover and Kindle
• Traction by Gino Wickman | Paperback, Hardcover, and Kindle

About Adam CoffeAdam Coffey is a CEO, Board Member, Best-Selling Author, and Acclaimed International Speaker known for driving transformative growth and fostering high-performance cultures. With over 21 years of experience as a CEO, he built three national service companies for nine private equity sponsors, completing 58 acquisitions with outcomes in the billions.

Adam is a mentor to MBA candidates and a sought-after speaker at top business schools. A former GE executive and US Army veteran, he is also a licensed general contractor and pilot. His books, "The Private Equity Playbook," "The Exit Strategy Playbook," and "Empire Builder," are all #1 Amazon Best Sellers.

In 2021, Adam founded the CEO Advisory Guru, providing consulting services to private equity firms and founders. He resides in Westlake, TX, with his family.

Connect with Adam

• Website: Adam E. Coffey
• LinkedIn: Adam Coffey
• X: @AdamECoffey1

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.

Crypto has officially entered the closing table. In this episode, Crosby and Zina break down how full end-to-end real estate transactions—paid entirely in digital currency—are actually happening. Learn how title and escrow companies are navigating volatile assets, smart contracts, and an evolving web of regulations to make crypto closings secure, compliant, and real.

What you'll learn from this episode

• How hybrid platforms like Propy merge blockchain with traditional escrow frameworks
• What full tokenized real estate looks like through Roofstock onChain
• Reasons why smart contracts are changing escrow and what risks still exist
• The biggest regulatory and tax hurdles for crypto-based transactions
• Key risks title firms face: custody, compliance, and counterparty exposure
• How crypto tools today may become tomorrow's security standard across the industry

Resources mentioned in this episode

• Propy
• Roofstock onChain
• Coinbase Prime
• Internal Revenue Service
• FinCEN.gov
• Office of Foreign Assets Control

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 Hope Ottoviani in this transformative episode of our How To Series, where she takes the mystery out of title insurance and turns complexity into clarity. Dive in as she unveils her top secrets for defining clear milestones and organizing tasks to revolutionize your workflow. Discover how to ensure every transaction succeeds seamlessly by diving in!

What you'll learn from this episode

• Essential steps to managing and automating the title insurance process
• How to break down complex tasks into manageable pieces
• Why it's vital for defining clear milestones and assigning specific duties
• Tips for maintaining efficiency and transparency in virtual team environments
• Strategies for improving client communication and satisfaction through automation

Resources mentioned in this episode

• Qualia

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.

FinCEN has officially dropped the hammer: a sweeping nationwide rule goes into effect December 1, 2025, requiring title professionals to report the real owners behind all-cash entity purchases of residential real estate. In this episode, Zina and Crosby walk you through the why, what, and how—giving you a clear roadmap to stay compliant and confident. If you've ever handled a deal involving an LLC, trust, or shell company, you need this breakdown before the deadline hits.

What you'll learn from this episode

• Why FinCEN is targeting real estate and why it affects all agent s, not just banks
• How the GTO pilot evolved into a permanent nationwide mandate
• Transactions are covered under the new rule
• Who is responsible for filing and what must be reported
• Civil and criminal penalties for non-compliance and how to avoid them
• Practical steps to integrate reporting into your existing title workflows

Resources mentioned in this episode

• American Land Title Association
• FinCEn
• US Department of the Treasury

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.

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.