Jon Stubbs

I'm researching an article for List With Clever (listwithclever.com) on how homebuyers can make an offer on a house without a buyer's agent in 2026. Looking for input from three types of experts: - Real estate attorneys: What's the most common mistake you see unrepresented buyers make on the offer document itself? Any anecdote about a contingency they waived to be competitive that came back to bite them? - Listing agents (or buyer's agents who've worked the listing side): What separates a credible unrepresented offer from one you trash? What signals a buyer is serious enough to take to the seller? - Escrow officers / transaction coordinators: What do unrepresented buyers most commonly get wrong about earnest money or escrow timing? Looking for ~2–3 sentences with a specific example. Please include name, title, company, and how long you've been working in the industry. I'll link to your professional website or LinkedIn.

Looking for real estate attorneys who have worked title insurance claims or title disputes to explain the claims process and common coverage gaps. For a List With Clever article on title insurance costs, I'm looking for real estate attorneys with direct experience handling title insurance claims, title disputes, or representing homeowners against title insurers. Generalist real estate attorneys without title-specific case experience won't be a fit. Please answer one or more: - Walk me through what happens, procedurally and on what timeline, when a homeowner files a title insurance claim. What does the duty-to-defend actually look like in practice? - What are the most common reasons title insurance claims are denied? How often do homeowners discover that what they thought was covered actually falls under a Schedule B-II exception? - What's a specific case (with details changed) where title insurance materially saved a homeowner? And one where the policy didn't cover what the homeowner assumed? - When you're reviewing a title commitment for a client, what do you specifically flag — and what do most buyers miss when reviewing it on their own? Are there scenarios where you'd advise a client to skip owner's coverage entirely? Requirements: - Name, firm, jurisdictions, bar admission status - Direct experience with title insurance claims or disputes is required - Link to firm bio or professional profile - Responses 2–5 sentences per question

Summary: Looking for title officers, title agents, escrow officers, and title insurance underwriters to share insight on title insurance pricing, shopping, and the claims process for a consumer-facing article on List With Clever. I'm working on an article for List With Clever (listwithclever.com) explaining title insurance costs and how homebuyers can actually reduce them. I'd like to feature title industry professionals who can speak from direct closing-table experience. I'm looking for specific, practitioner-level insight — concrete examples or numbers, not generic advice. Please answer one or more of the following: When a buyer in an unregulated state asks you for a better rate, what actually moves — the premium itself, the ancillary fees, or both? What's a realistic dollar range of savings? When a buyer declines owner's coverage to save money, the lender's policy often loses its simultaneous-issue discount and rises. Can you walk through what this looks like on a real closing — and how much of the headline savings actually disappears? For refinance transactions, what's required to qualify for a reissue or substitution rate? What documentation should the buyer bring, and how much does it typically save? When you're walking a buyer through standard ALTA Owner's vs. enhanced ALTA Homeowner's coverage, what risk factors argue for the enhanced policy? What's the most overlooked section of a title commitment? What should a buyer specifically look for in Schedule B-II (exceptions)? Can you share a specific claim scenario you've worked on (with details changed) where title insurance materially helped a homeowner — and one where the policy didn't cover what the homeowner expected? Requirements: Name, title, company, city/state Direct experience working closings or handling title claims is required Link to professional profile (LinkedIn, company bio) Brief responses (2–4 sentences per question) are fine; specific dollar figures, timelines, or examples are strongly preferred