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Contracts, Invoices & Legal
The operational infrastructure of a freelance business — and the area most freelancers neglect until a client dispute makes it expensive. This sub-forum covers freelance contract templates, scope creep clauses, kill fees, late payment terms, invoice structures, payment platform comparisons, and the legal protections that separate professional freelancers from hobbyists. Downloadable templates live here alongside member experiences with difficult client situations and the contract language that resolved them.
2,306 topics in this forum
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After four years, the senior note classes will either pay a 100 basis-point increase to the fixed coupon or the net weighted average coupon (WAC) rate, whichever is lower. View the full article
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Terms of the deal were not disclosed but both firms are nationwide mortgage originators, with CrossCountry claiming it is the top retail lender. View the full article
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The retail giant, in asking a court to dismiss the case, said its deal with a North Carolina brokerage was within the law's carve-out for such agreements. View the full article
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The lender will offer a comprehensive suite of residential lending programs and commercial lending solutions, such as builder construction loans. View the full article
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The latest offer, 70 cents per share higher than previously agreed to, equals the cash proposal made by UWM Holdings to win over Two Harbors' shareholders. View the full article
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CrossCountry defended its lower bid for Two Harbors, looking to refute UWM's arguments regarding the status of its financing for the all-cash offer. View the full article
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An attorney for Christopher J. Gallo, who is battling 18 federal charges, said the lender's 18-month delay in pursuing the sign-on bonus makes little sense. View the full article
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CrossCountry increased its agreed-to offer for the real estate investment trust by 50 cents per share, as UWM Holdings made an unsolicited bid on April 20. View the full article
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The retail giant added a pro-rated dividend for TWO stockholders that would deliver a cash value potentially greater than UWM's latest offer. View the full article
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The deal comes as Blend also introduces a new division dedicated specifically at serving independent mortgage banks, rolling out features with Crosscountry. View the full article
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United Wholesale Mortgage is offering revised terms. The mortgage real-estate investment trust that owns RoundPoint also received a third offer it's considering. View the full article
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Figure Technologies is adding a Bitcoin option to its home equity line of credit, while Milo has done $65 million of crypto mortgages since 2021. View the full article
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Mortgage lenders test crypto-backed mortgages as Fannie Mae and Freddie Mac review digital assets in underwriting, weighing risk, non-QM loans and access for nontraditional homebuyers. View the full article
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Overall satisfaction is highest when customers receive status updates from mobile apps, according to the J.D. Power's 2025 U.S. Claims Digital Experience Study. View the full article
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Pacific Residential Mortgage discovered the ransomware incident just weeks after the successful completion of its merger with an Ohio-based lender. View the full article
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The fraudsters aren't doing anything new or sophisticated, but are successfully using familiar tactics, said reports from CertifID and FundingShield. View the full article
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Builder mortgage units saw Q1 profit slides (NVR down 17%) despite an 11% rise in new home loan applications. Overall homebuilder net income dropped, and sales incentives remain high. View the full article
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The banking sector has stabilized significantly since the spring of 2023, but elevated interest rates have created lingering issues on bank balance sheets. View the full article
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The move was necessary for Dark Matter in order for it to align the size of its workforce with current mortgage market realities, CEO Sean Dugan said. View the full article
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Dark Matter's parent said the decision to promote its chief technology officer aligns the company to the direction of the market, with further changes to come. View the full article
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Calyx Path's integration with Friday Harbor clears paperwork for underwriters, while Dark Matter's Ask Aiva quick verifiable answers to LO questions. View the full article
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Dugan is replacing Rich Gagliano, who is moving to executive chairman after 18 months in charge of the now stand-alone mortgage technology provider. View the full article
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Data breach extortion group ShinyHunters used social engineering to steal customer names, addresses and phone numbers from the blockchain lender. View the full article
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Fitch says large nonbank lenders are positioned to gain share as they manage debt maturities and outlast smaller rivals hit harder by market volatility. View the full article
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The government shutdown added an additional dose of pessimism about the U.S. economy to panelists' outlooks, Wolters Kluwer said in its latest survey. View the full article
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