Category: Network News

FR/BAR “As Is” Contract Changes You Should Know


On November 1, 2021, the FR/BAR Residential Contract for Sale and Purchase (the FR/BAR “As Is” Contract) underwent several changes reflecting an intent to level the playing field between buyers and sellers of residential property. In case you missed it, here are some notable changes. PLEASE NOTE: This is NOT a comprehensive or exhaustive view of these changes. The Contract has further updates, new riders, and other changes that you should familiarize yourself with and contact legal counsel for further information.

Section 8(b) – Loan Approval Period

Two tasks must now be completed during this period: The buyer must obtain approval for financing as described in the section (as before) with a new requirement that the buyer’s lender must receive a satisfactory appraisal before the approval period expires. This aims to prevent a low appraisal from ruining a transaction up to and including at the time of closing. It also aims to ensure that the property can return to market much sooner to find a new buyer, should funding fall through.

Make sure you’re ending the loan approval period well before the closing date!

Section 19, Standard O – Delivery Methods

Under the revised contract, methods for delivery notice have changed. They can now be delivered by fax or email, in addition to the by mail or via personal delivery options that remain in place. Other electronic delivery methods have also been deleted, such as text messaging. Texting cannot be used to provide notice under this new contract! They are unreliable in terms of providing evidence that a notice was delivered by erasure or tech ‘fails.’

Other Notable Changes Include, but are not limited to:

The definition of “Personal Property” now includes thermostats, doorbells, TV mounting hardware, and storm protection items.
FIRPTA withholding and reporting costs have been added as an item to be paid by the seller.

  • The definition of closing now includes that “all funds required for closing are received by the closing agent and collected pursuant to STANDARD S”.
  • And of course, due to our new way of life in a pandemic, STANDARD G -Force Majeure has been revised to include “governmental actions and mandates, government shutdowns, epidemics, or pandemics.”
  • Along with these changes, there have been several updates and additions of new riders including Mold Inspections, Seasonal/Vacation Rentals/Pace Disclosure Riders, and others. Please keep in mind that this list is an overview of changes and NOT a comprehensive list. Should you have any questions on the contract, please contact legal counsel for advice.

You can review a full breakdown the contract changes here.


Mission Accomplished!

Aaron Davis


There aren’t a lot of business execs, owners or decision-makers out there who haven’t heard of the prestigious Harvard Business School’s Owner/President Management (OPM) Program. And there aren’t a lot of people…um….anywhere, who aren’t aware that Harvard Business School is one of the very best in the world. So we’d like to take a moment to congratulate our own Aaron Davis, who recently completed the 3-year OPM program, becoming an alumnus.



Harvard Business SchoolAaron tells us that this was no ceremonial event—the students worked hard!  The class was comprised initially of 180 CEOs from around the world, representing 42 different countries and spanning every industry from real estate to manufacturing to software and more. Once a year, Aaron and the students were required to leave their businesses and families for a month of on-site education. All told, they spent 300 hours in the classroom, 75 hours in small group discussions and more than 500 hours doing class prep. Aaron and the class analyzed over 120 case studies on topics like strategy, finance, leadership, innovation, control, marketing, sales, negotiation, operations and technology.


Harvard Business School

As you likely already know, Aaron is the visionary behind the FAN, PDS, NTS and AMD brands, driving a single office title agency to become one of the largest national title and real estate businesses in the country. (And, if you know Aaron, you know he would immediately interrupt us to give credit to the hundreds of hard-working folks who helped him with making that vision a reality!). So it was a natural progression for him to immerse himself (when not running his business, of course) in an intensive program designed for CEO’s actively involved in day-to-day operations, with a focus on leadership, assessing strengths and weaknesses, and identifying emerging opportunities.


Like pretty much everything else Aaron sets his mind to, mission accomplished! He can now add one more accomplishment to his list. And we at AMD, FAN and all of the AMD brands congratulate him for this noteworthy achievement.

Florida Agency Network Grows Again with Merger of International Title Partners

Clearwater Title Agency Strengthens Fan Presence in Pinellas County

side by side picture
October 6, 2021  Plant City, FL— Florida Agency Network (FAN) has completed its merger with International Title Partners (ITP), a full-service title agency in Clearwater, Florida.

FAN is a strategic alliance of members and vendors assembled to provide a customized, streamlined closing experience.  The merger brings the total number of FAN offices to over 30, with nearly 300 employees located in Florida. The network is also the developer of multiple proprietary, settlement services technologies.

“We are extremely excited about ITP, which is our newest venture in Pinellas County,” said Mike LaRosa, COO for FAN. “We have partnered with an experienced real estate team that has handled that area’s high-end residential and commercial real estate transactions for years.  ITP offers us the opportunity to continue growing our footprint in the Tampa Bay Area real estate market.”

LaRosa notes the strategic location of the merger, which will not only allow FAN to leverage efficiencies in order to maximize customer service levels, but will increase the company’s presence in one of Florida’s leading residential and commercial markets.

Kelly Kepler, previously ITP’s CEO, will stay on with ITPShe is looking forward to the new relationship and the benefits it will have for clients.  “FAN’s reputation for exceptional client service and responsiveness is recognized throughout the title industry,” she said.  “I’m looking forward to bringing the FAN resources to our Realtor® and lender relationships as well.  The partnership with FAN will allow us to serve and grow in more markets in the state of Florida while providing the amazing customer experience that International Title Partners is known for.”

Kepler also notes that ITP is well regarded for its strong support of the local chapter of Homes for Heroes, a non-profit network of affiliated real estate, mortgage and business specialists working to deliver easy ways for military, EMS, law enforcement, healthcare professionals and teachers to save money during home purchases.

About Florida Agency Network

The Florida Agency Network (FAN) is a statewide alliance of title agencies that share services, resources and technology. FAN has formed a strategic alliance amongst members and vendors, in addition to creating proprietary technologies, to better serve its clients, allowing it to provide customized solutions to protect and streamline the closing experience. Members share back-office services, pooled resources, access to industry-leading technology, improved efficiencies, and the ability to offer their clients greater geographic coverage throughout Florida with SOC 1 Type 2 and SOC 2 Type 2 security compliance solutions available. For more information, please visit


View on Alta

Aaron Davis Makes a Difference from Tampa to Texas. A Man from a Small Town Lending a Hand to an Even Smaller Town.

Aaron Davis earned a new nickname this week, the “Tampa Chainsaw Man”, and for good reason. He saw the devastation throughout Texas, and after traveling to the region, donating and raising funds for local Texas charities, he asked what else he could do. That’s when they put a chainsaw in his hand. With his Bucs hat proudly on his head, he started removing trees and other debris to further relief efforts and lend a helping hand.

Aaron in front of an emergency sign

TEXAS (People.Com) – Aaron Davis flew from Tampa, Florida, to Austin, Texas, on Friday — because he wanted to help people affected by the snow and ice storm.

“I just felt incredibly guilty sitting down in Tampa, Florida, in the sunshine watching the rest of the country suffer,” Davis, 45, tells PEOPLE. “I’ve weathered many storms in my life in Florida, the hurricane capital of the world.”

During the last Florida hurricane, he bought and delivered generators to people in need. “I just try to step up and do what I can,” he says.

A business owner (his company does remote real estate closings), Davis told his staff he was taking a month off to volunteer in Texas. “I felt the need to be feet on the ground in Texas to help out however I could,” he says….. Read full article.

Donate to Help4Harper


Florida Agency Network Introduces Electronic EMD Delivery

Florida Agency Network (FAN), announces the release of a new Electronic Earnest Money Deposit (“EMD”) program. This program is part of FAN’s continued effort to keep everyone safe and secure, streamline the closing process, and move that much closer to a true paperless closing.

Customers buying homes are now able to send their EMD electronically, allowing for a fully-digital transfer of funds, and eliminating the need to visit any of FAN’s multiple office locations throughout the state. In addition, it allows for the added benefits of protecting sensitive information, enabling out-of-town closings, and it allows customers to receive a verified and automated receipt for their records.  The service does NOT require the client to create an account, or download an app, to send the EMD electronically.  It simply requires the click of a button from any of FAN’s websites where homebuyers are directed to Keybox, Payload’s platform for secure electronic real estate payments.  “We’re excited to partner with FAN to enhance the home buying experience across the state of Florida,” said Ryan Rybolt, CEO of Payload.

“One of the items that is a consistent burden to our clients is the handling of EMDs. We live in a world of technological innovation, digital movement of funds, and less dependency on checks and paper currency. This new service offers convenience to our clients, and a more efficient solution for receiving funds. The days of racing to the title office within 72 hours of signing a contract, mailing or overnighting funds, or waiting hours for wiring instructions are history,” said Aaron M. Davis, CEO of Florida Agency Network.


About Florida Agency Network

The Florida Agency Network (FAN) is a statewide alliance of title agencies that share services, resources, and technology. FAN has formed a strategic alliance amongst members and vendors, in addition to creating proprietary technologies, to better serve its clients, allowing it to provide customized solutions to protect and streamline the closing experience. Members share back-office services, pooled resources, access to industry-leading technology, improved efficiencies, and the ability to offer their clients greater geographic coverage throughout Florida with SOC 1 Type 2 and SOC 2 Type 2 security compliance solutions available.

For more information, please visit

About Payload

Payload is a powerfully simple, yet robust, financial technology (fintech) platform to securely process credit card and ACH payments. The platform was built for developers, software platforms, and merchants who want to accept secure payments without the burdens often associated with card acquiring.

Keybox is Payload’s solution for processing secure, electronic real estate payment transactions.  Keybox replaces manual check payments or costly wire transfers associated with Earnest Money, Agent Fees, Commissions, and other Real Estate transactions.

For more information, please visit  or

Our 2020 Wrap Up

Hey guys, 2020 is finally almost over, and Aaron Davis from the FUTURE, is here to tell us why 2020 really wasn’t all that bad!

1. Remote Online Notarization, or RON, has been one of the most successful additions to 2020. The customers love that we were able to bring a secure digital closing to anywhere in the GALAXY… err, sorry, anywhere in the world.

2. We also introduced ALANNA this year, the virtual closing assistant! Our clients love being able to get answers to their questions day or night. Alanna is always available and provides quick answers to common file-based questions using text or on the web, 24 hours a day, 365 days a year.

3. AND we’ve starting rolling out electronic EMD delivery! Now home buyers are able to deposit their earnest money deposit digitally without coming into one offices, even though we do have most of the GALAXY, I mean STATE covered with over 40 offices!
We added a lot of new technology for 2020, and we’re glad that our customers have been able to take this journey with us. Future Aaron would LOVE to tell you what 2021 has in store, but that would blow up the time-space continuum– there are rules about these sort of things.

We can’t wait for you, and those of us that can’t time travel, to find out!

Enjoy 2021 – Future Aaron says it’s gonna be greeeeeeeat!



A Special COVID-19 Update from Florida Agency Network’s Amy Gregory

We know there is a growing concern as the outbreak and impact of the Coronavirus (COVID-19) continues to evolve. Ensuring the health, safety, and well-being of the communities we serve across the state of Florida, our clients, and our company is our main concern.

We are open and fully operational to handle your transactions. We have invested heavily in our IT infrastructure, cloud working environment, paperless closing, and remote capabilities to allow our staff to continue operating.

Most importantly, we’re prepared to take care of you and your clients! We’re offering multiple closing options to ensure our clients and staff stay as safe as possible.

If you have any questions or concerns, don’t hesitate to contact any of our offices!

Florida Agency Network Appoints Chief Administrative Officer

head shot of amy gregory

Florida Agency Network recently appointed Amy Gregory as the Chief Administrative Officer.

Gregory began her career in title insurance in 1995 as a receptionist at an independent title agency in Brandon, Florida. Amy then joined Hillsborough Title (FAN’s flagship company) in 2007 where she directly assisted Aaron Davis in opening the company’s second office in Florida, which has now grown to over 30 offices statewide, in addition to multiple ancillary service companies.

As a licensed title agent, Gregory’s career progressed quickly from Branch Manager, to General Manager, to President of Title Operations, and now she has added the title of CAO to her resume. She oversees all title personnel and production, and the ancillary services divisions. Gregory regularly handles all types of real estate closing transactions, including residential, commercial, and construction. She has become an expert in streamlining and improving processes and procedures, and she is focused on mentoring and training staff in outstanding customer service. In 2019, Gregory won the “We Protect Award” from ALTA, and she obtained her ACAMS Certificate (Certified Anti-Money Laundering Specialists).

Aaron M. Davis, CEO stated, “It is with the greatest honor that we name Amy as our CAO. She has been here from day one of my ownership, and I can’t imagine a better and more qualified person to lead us forward. Her dedication, knowledge, and loyalty are unmatched in the industry.”



The Board of Directors for Announces Its Latest Addition From Florida Agency Network logo on pink background

McKinney, TX. – welcomes Aaron M. Davis, CEO of the Florida Agency Network (FAN), as the newest member to the Board of Directors. Davis has long been considered a leader in the title insurance industry, and he was an early supporter and proponent of the eClosing and Remote Online Notarization initiatives in Florida. FAN utilizes Softpro Select as its software platform for its title and ancillary operations. Davis brings his knowledge of Softpro Select, and familiarity with the other software providers’ products, to assist in further development of’s product suite. He was introduced to in 2019 and was immediately impressed by the product’s intuitive querying capabilities and its potential impact on the title and settlement industry.’s CEO, Randall Nelson stated, “We are thrilled that Aaron Davis will be joining Alanna. His industry experience along with his passion and energy will help propel Alanna to the next level.”

“I’m excited to join the Board with James Schlimmer of Cottrell Title & Escrow, and the team at, to assist and advise in development and expansion of its products. I’ve experienced first-hand the technological evolution of the title industry, and I am humbled to be involved in the vision of its future direction,” says Davis.




About is a technology company whose sole mission is to provide innovative technologies to the Title Industry.

Florida Agency Network Partners with Notarize as the First Title Company to Utilize the Notarize Platform to conduct its own closings

Florida Agency Network (FAN), a conglomerate of independent title agencies, settlement service providers, and innovative technology companies within the State of Florida, announces a new partnership with Notarize to perform remote online notarization within the FAN title insurance offices. This partnership marks a historic shift in the title industry and how it handles the ever-changing needs of the consumer. FAN is the first title insurance operation in the nation that will leverage the Notarize platform to perform their own remote online notarized closings, using its own title agents and notary closers.

The partnership was announced on stage in front of 300 attendees representing 200 companies at Notarize’s conference, REWIRED, in Miami this week.

“Today, we couldn’t be more excited to announce that Florida Agency Network will be the first company to leverage what we’ve built at Notarize and perform their own closings on our platform,” said Notarize Founder and CEO Pat Kinsel. “The real estate industry is ultimately local, and we’ve heard from title companies and closing agents that they want to be able to use this technology to deliver a better closing experience. What the industry has been asking for over the last four years, today, is becoming a reality.”

Since meeting Pat Kinsel, CEO and Adam Pase, COO of Notarize, in June of 2017, Aaron M. Davis, CEO of Florida Agency Network, knew working together would evolve into a broader partnership over time. What started with achieving Florida’s first fully digital closing, expanded to a much larger-scale goal of overhauling Florida’s title insurance landscape for the better.

 “We completed the first online closing in the state of Florida in 2018 and have done hundreds with Notarize since,” said Davis. “By being the first partner to work with Notarize on a platform to help our title agents use this technology to perform their own closings, we’re changing the title industry and the way that our agents serve customers. We’ve seen first-hand the impact Notarize has had on the real estate industry, and we couldn’t be more excited to be a part of the next chapter.”

Backed by Notarize training, support, and technology, Florida Agency Network will work closely with Notarize on the development of a platform that both empowers its agents to close completely digitally, while still leveraging Notarize’s staff and notaries during off-hours, weekends, and for added assistance during heavier volume closing days.