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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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For the first time since early September 2022, the Freddie Mac Primary Mortgage Market Survey has the 30-year below 6%, but the 15-year gained this week. View the full article
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Pricing on the 30-year fixed rate mortgage retreated this week as investors digested some economic news, including a GDP contraction in the first quarter. 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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The Fed's wait-and-see approach on what will happen to the U.S. economy, while not directly impacting mortgages, will likely keep those rates elevated. View the full article
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Other trackers like Zillow and Lender Price on Thursday morning have the 30-year fixed moving higher, following a jump in the benchmark 10-year Treasury yield. View the full article
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While expectations that another federal rate cut is on the way next week, other economic trends may be having a larger influence on mortgage lending. 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 investor markets already set mortgage rates to include the 25 basis point reduction the FOMC announced, and it is too early to see the longer-term effect. View the full article
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This week's Freddie Mac mortgage rate survey shows rates at the lowest in four weeks, but homebuyers are giving mixed signals even with improved purchase power. View the full article
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The 30-year fixed rate climbed to 6.46% this week, its highest mark since September, as mortgage applications fell 10.4% and sellers outnumber buyers by a record 46%. View the full article
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The contract rate on a 30-year mortgage rose 11 basis points to 6.30% in the week ended March 13 following a similar advance at the week before, according to Mortgage Bankers Association data released Wednesday. View the full article
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The contract rate on a 30-year mortgage rose 8 basis points to 6.24% in the week ended Jan. 23, according to Mortgage Bankers Association data released Wednesday. View the full article
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The contract rate on a 30-year mortgage rose 13 basis points to 6.43% in the week ended March 20, according to Mortgage Bankers Association data released Wednesday. View the full article
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US mortgage rates jumped last week by the most since October on the back of heightened volatility in the Treasury market, causing a pullback in financing applications for home purchases and refinancing. View the full article
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Yields on the 10-year Treasury have been climbing because of the Moody's U.S. downgrade, the tax bill under debate in Congress and possible GSE reform. View the full article
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While the 30-year rate landed near its level of a week ago, it ended up there only after political developments led to up-and-down swings in Treasurys. View the full article
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Even with this week's increase, mortgage rates have remained within a 13 basis point band since mid-September, with industry pundits saying that's where they will stay. View the full article
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The contract rate on a 30-year mortgage increased 14 basis points to 6.57% in the week ended March 27, according to Mortgage Bankers Association data released Wednesday. View the full article
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The drop in mortgage rates as measured by Freddie Mac, came about even as the 10-year Treasury yield used to price loans moved higher since Thanksgiving. 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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Observers believe the government shutdown and lack of data is keeping mortgage rates in the same narrow range, as investors have issues reading the tea leaves. View the full article
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The 30-year fixed mortgage has increased by 40 basis points since February, while the 15-year is 14 basis points lower than a year ago, Freddie Mac reported. View the full article
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Mortgage rates edged higher after the Fed held rates steady, with markets weighing political shifts, Treasury moves and mixed signals on where borrowing costs head next. View the full article
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The 30-year conforming fixed-rate mortgage is at its lowest point since the end of December, as Treasury yields are 29 basis points lower since Feb. 19. View the full article
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While Freddie Mac's weekly survey showed 30-year rates falling, other indicators paint a mixed picture for mortgage lenders and borrowers. View the full article
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