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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 GSEs' financials are strong but odds are against a short-term change to conservatorship that would give stockholders access to their profits, Mizuho said.
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The promotion offers rate cuts as much as 25 basis points on new-home purchases as well as rate-and-term and cash-out refinance loans from May 4 through May 17. View the full article
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"In looking at eight currently available proprietary RM products, there is a distinct relationship between HECM growth rates and proprietary product availability," Reverse Market Insight said. View the full article
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The top bullet point in Two Harbors' rejection notice is the Mizuho credit facility does not constitute committed financing for UWM to pay for the deal. View the full article
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The combination adds to a wave of broader merger and acquisition activity that includes an ongoing bidding war over RoundPoint Mortgage owner Two Harbors View the full article
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More mortgage firms are suing their counterparties over buyback demands. View the full article
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Market watchers think Jerome Powell will maintain a low-key presence on the Fed board as he awaits the release of an inspector general report examining cost overruns at the central bank's headquarters. View the full article
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Mordor Intelligence expects the manufactured homes market size to expand from $28.5 billion in 2025 to $30.5 billion this year, its latest report found. View the full article
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Fannie Mae and Freddie Mac's support for the market lessened the impact, as could bank capital reform, and the company's normalized results outperformed. View the full article
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Even as they continue to press for additional changes, banks get some wins from the revised Basel capital framework and a ballpark estimate of their capital outlook for the next few years. View the full article
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More than three-quarters of brokers are using popular AI platforms, but application of lender-specific software lags considerably, according to AD Mortgage. View the full article
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UWM Holdings is now bidding 70 cents more per share than CrossCountry for Two Harbors, with an all-cash option as an alternative to its all-stock proposal. View the full article
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Refinances drove growth of last year's lending activity, with both the volume share and average loan size coming in noticeably higher, according to IEmergent. View the full article
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National Mortgage News spoke with Shant Banosian of Rate, Mark Cohen of Cohen Financial and Amanda Sessa of SWBC on how they stand out in their markets. View the full article
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The partnership was designed to support the growth of Redwood's Sequoia platform and give Castlelake purchasing power for fully documented loans. View the full article
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Home affordability declined on a monthly basis across loan types and racial demographics, but improved from a year ago, the Mortgage Bankers Association said. View the full article
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A federal judge harshly criticized the settlement of a civil suit between the Department of Justice and a Texas land developer. View the full article
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The latest study from LodeStar found the ratio of average closing cost to home sales price in several states, led by Delaware, well above the national average. View the full article
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The benchmark 10-year Treasury yield topped 4.4% on April 29 — its highest level since late March — as investor anxiety mounted. View the full article
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The technology firm posted annual gains in servicing, origination and closing solutions, although the segment at large posted an operating loss. View the full article
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Growth in retained and investment portfolios drove gains as the government-sponsored enterprise reported the highest refinancing share seen in four years. View the full article
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Higher utilization and aggregate excess payments point to pressure, according to TransUnion. Debt-to-income averages remain below traditional mortgage caps. View the full article
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Rocket, United Wholesale Mortgage and Pennymac said they will use the new government-sponsored enterprise credit metric as large lenders get on board. View the full article
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Meet the top loan originators in the 28th edition of National Mortgage News' annual ranking and learn how they approach purchase business. View the full article
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One-time Rocket exec Mike Fawaz founded brokerage and tech firm Origna8 with his former adversary's backing, which both say will enable it to quickly scale. View the full article
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