Brokers acting as paper pushers and contract writers will obviously charge alot less than a broker taking on all responsibilities including marketing. 

.: Quote from @William Woodring: Update on my postAs pointed out, the initial terms on my contract in Oct 2021 were beyond industry standards.

I actually write the policies and the insurance companies create the contracts and provide the coverage. 

I also asked him to look over the paperwork Chris gave me to see if I was getting a fair contract.

You purchase title insurance in case there is a lien they missed.It sounds like you merely defaulted on the contract.

Before our contract fell through, we were going to go with a business policy from State Farm.

I had this deal go UC but we just fell out of contract.

.: I haven't really noticed any change at all in my market except minor changes to the standard contracts (minor language changes in contract to buy and sell, listing agreement, and buyer's agency agreement). 

I was speaking with an agent last night who said that their brokerage told the property management division to get out of any contracts within the city limits.

3) can the seller refinance or extend the terms of the contract?