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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 Massachusetts Democrat requested to see records related to second liens that banks were required to expunge per terms of the 2012 mortgage settlement. View the full article
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Existing-home sales in the US barely rose in November, as a recent moderation in price growth and mortgage rates motivated buyers at the margin. View the full article
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More than 80% of mortgage brokers expect business to grow in 2026, mainly through the strengthening of referral networks and the expansion of non-QM offerings. View the full article
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The move formalizes acting leadership roles both have had in different segments of the government-backed mortgage market serving many first-time homebuyers. View the full article
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Monthly excess spread will confer credit enhancement to the notes, KBRA said, and while it will be released it will not be available as credit enhancement in future payment periods. View the full article
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The option for holders of older government-sponsored enterprise bonds that predated the move to uniform mortgage-backed securities now has a deadline. View the full article
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A coalition of mortgagees said the zombie seconds law negatively impacts 1.2 million junior liens statewide, despite just over 500 potential "zombie" loans. View the full article
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The Dallas bank turned down another offer because it thought it could get a higher price from Fifth Third, and also could ink an agreement faster, according to Comerica's latest regulatory filing. View the full article
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Congress has passed a bill giving taxpayers who have been affected by natural disasters some extra time to file a claim for a tax credit or refund. View the full article
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The Federal Reserve said in a statement that its "understanding of innovation products and services have evolved" since the initial guidance was published in 2023. View the full article
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The Rithm affiliate that acquired Specialized Loan Servicing will pay $4.65 million, an amount that includes borrower restitution. View the full article
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A markup of the bipartisan Housing for the 21st Century Act was passed by a 50-to-1 margin by the House Financial Services Committee earlier this week. View the full article
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While the 30-year average has hovered near the same level for weeks, the past year brought with it promising trends that may ease affordability next year. View the full article
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The latest data offered some relief to traders worried about more pronounced inflation that could keep a lid on rate cuts. View the full article
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The Treasury official renewed a pledge to avoid hurting how mortgages trade in a Fox Business News interview as a new study highlighted one way to do that. View the full article
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A federal appeals court agreed to have the full bench rehear arguments by the Consumer Financial Protection Bureau's union about whether the The President administration planned to gut the agency through mass firings. View the full article
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The bill's signing comes weeks after one of the most notorious NTRAP providers agreed to legal settlements in two states, nullifying existing contracts. View the full article
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Mortgage activity fell 3.8% from one week prior for the week ending Dec. 12, led by a 4% drop in refinance applications, the Mortgage Bankers Association said. View the full article
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The deal significantly grows United Wholesale Mortgage's servicing portfolio, and it will increase the float on its common stock, making it more investable. View the full article
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The lawsuit is the latest scrutiny over personnel moves this year at the companies under the purview of U.S. Federal Housing Finance Agency Director Bill Pulte. View the full article
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The trade group's letter to FHFA Director Bill Pulte pointed out that lenders were facing credit report price hikes for four straight years. View the full article
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Hart, who came over from Ellie Mae, starts in the position of Jan. 1, as Tim Bowler moves to a new role within ICE's Fixed Income and Data Services division. View the full article
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Michael Hutchins, the two-time interim chief executive at the government-sponsored enterprise, will remain with the company in his role as president. View the full article
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