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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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The company, which became a depository in 2022, will be offering affordable housing products and initiatives in 45 states and the District of Columbia. View the full article
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The financial services unit also made a categorization change that revised comparisons to prior periods and will be working with its REIT affiliate in new ways. View the full article
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Understanding the difference between an equity and mortgage REIT is vital, as these two types of REITs serve distinct purposes within the real estate market. View the full article
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The move extends the technology company beyond origination functions by pairing it with a former Mortgage Builder platform its parent company also owns. View the full article
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Check out the 36 companies that made our list of the Best Mortgage Companies to Work For. View the full article
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The acquisition of Mann Mortgage in 2024 gave Synergy the foundation and knowledge base to launch a homebuilder division, its CEO said. View the full article
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The Federal Home Loan Bank called the transition to special policy advisor a joint decision between the executive and board as new reviews in Washington start. View the full article
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A $1 billion assessment announced Tuesday for California's FAIR Plan, the state-mandated insurer of last resort, is expected to drive up premiums as companies will likely pass some of the costs onto homeowners. View the full article
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When a house is lost, so is much of the collateral on the mortgage. Here's how both lenders and homeowners can bounce back. View the full article
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But the company took a credit loss provision in the fourth quarter, deciding to add to its reserves because of new mortgage acquisitions to its portfolio. View the full article
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Meanwhile, home prices are set to grow 3 to 4% in 2025, a Fitch report predicts. View the full article
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Calabria left the free-market think tank Cato Institute and is said to be at the Office of Management and Budget, reviewing multiple agencies. View the full article
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Completed foreclosure auctions should be 8% lower this year, but if home value and unemployment expectations change, all bets are off, Auction.com said. View the full article
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Mr. Cooper is set to launch a pilot program by midyear, integrating previously released components into a unified platform. View the full article
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The company more than doubled results over comparable periods and exceeded estimates due to stronger economies of scale and valuation adjustments in its favor. View the full article
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Homeownership increased the most in Connecticut between 2019 and 2024. View the full article
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As a market leader, Rocket Companies rebranding comes in the foreground of several court battles and fluctuating earnings performance. View the full article
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The Consumer Financial Protection Bureau, now led by Treasury Secretary Scott Bessent, agreed to temporarily halt enforcement and litigation over its medical debt rule Thursday, handing the banking industry an immediate reprieve. View the full article
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Mortgage rates remain in the 6.6% range, with the tariff news so far having little impact, but could change given the 35 basis point drop in the 10-year yield. View the full article
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The new tool taps into Intercontinental Exchange's AllRegs database, which contains over a million pages of guidelines from various sources. View the full article
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Nationally, starts are higher even when seasonal differences are accounted for and in some areas distress is far above the U.S. average, Attom found. View the full article
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The average 30-year fixed-rate mortgage of 6.85% is just five basis points lower than the same time last year, following wider swings in the past 12 months. View the full article
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"Anything that is done around a safe and sound release is going to hinge on the effect of long-term mortgage rates," Bessent said. View the full article
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The top five banks have a combined HELOC volume of more than $90 billion at the end of Q4 2024. View the full article
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The potential impacts of import tariffs cloud the outlook, though, and could lead mortgage rates to surge and fall throughout the coming year. View the full article
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