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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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Sen. Dick Durbin, the Senate's No. 2 Democrat, announced he will not seek reelection in 2026, concluding more than four decades in Congress. The Illinois lawmaker leaves behind a notable imprint on U.S. financial policy, particularly regarding swipe fees. View the full article
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Freddie Mac reported a 2 basis point drop in mortgage rates, but other timelier measurements had the 30-year fixed close to or above the 7% mark. View the full article
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Sellers have roughly a month to bring transactions involving properties from the "claims without conveyance of title" and REO programs in line with the changes. View the full article
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The states with the highest percentage of non-current mortgage loans had an average year-over-year change of 0.7%, as of March 31. View the full article
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US mortgage rates fell to the lowest level since October, spurred by a rally in government bonds in the wake of an escalating trade war and driving home purchase applications to a more than one-year high. View the full article
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Industry experts with a reputation for making strong bets offer some picks and predictions for mortgage investment in a volatile market. View the full article
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The Arizona-based mortgage brokerage claims a former director of training is keeping the domain name of its loan officer training website hostage. View the full article
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A $24 billion single-family provision for credit losses linked to economic uncertainty and changes in actual and forecast home prices weighed down results. View the full article
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Close to 300 former employees could be eligible for the settlement once it is officially approved later this year. View the full article
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The lender's parent also said it is actively in preparation to move forward on plans to unlock equity value in 2025, with a Newrez spinoff among its options. 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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David Spector, the firm's CEO, touted Pennymac's technology, consistency and support for the broker channel. View the full article
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Federal Reserve Gov. Michael Barr — who recently stepped down as the central bank's vice chair for supervision — urged banks and regulators to use emerging technologies to keep pace with bad actors. View the full article
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Longbridge Financial's Christopher Mayer discusses the mortgage industry's opportunities in today's market and its shortcomings when serving older Americans. View the full article
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A version of the Neighborhood Homes Investment Act has been introduced in three prior sessions of Congress, but has never made it through the process. View the full article
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ICE Mortgage Technology also added 20 new Encompass clients in the first quarter, but the unit still had an operating loss for the period, its 10th in a row. View the full article
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The bank "temporarily" paused home equity line of credit lending in April 2020, over concerns regarding the economic impact of the Covid-19 pandemic. View the full article
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Inflation cooled faster than expected last month, giving the Federal Reserve room to ease monetary policy if the economy weakens suddenly. But tariffs and other policy changes still cloud the outlook for monetary policy. View the full article
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One of the biggest culprits is the CFPB's qualified mortgage rule and the ever-expanding debt-to-income ratios allowed under it, writes a co-director of the AEI Housing Center. View the full article
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The reverse mortgage division reported a loss due to hedging costs but on a net basis the company proved profitable ahead of peak market disruption in April. View the full article
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Duncan announced the launch of a new company in a social media post in early April after retiring from the government-sponsored enterprise at the end of 2024. View the full article
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The latest foreclosure report adds to evidence from housing research groups that economic difficulties are beginning to impact a rising number of homeowners. View the full article
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The tool's launch comes as various sources report growth in both serious borrower delinquencies and foreclosure activity over the first few months of 2025. View the full article
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The International Monetary Fund lowered its economic growth projections for 2025, citing policy uncertainty. It also urged central banks to stand ready to use macroprudential tools to facilitate lending in a potential recession. View the full article
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