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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.
2,326 topics in this forum
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Pulte alleged that James appeared to misrepresent who would occupy property in separate homeowner insurance applications, saying the documents could indicate that James "may have defrauded" insurers in those states. View the full article
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The product preserves borrower's first mortgage, and its potentially lower mortgage rate, without requiring the new monthly payments of a traditional HELOC, FOA says. View the full article
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Large loan balances are increasingly common in non-QM and HELOC securitizations, bringing faster prepayments and higher delinquency risks, Bank of America Securities research shows. View the full article
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Oil prices and Treasury yields continued their close correlation Friday, with crude falling $12 and the 5-year yield hitting recovery lows after Iran declared the Strait of Hormuz open during the ceasefire. View the full article
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March home sales increased 31.6% from February, the largest month-over-month jump since 37.4% in 2023, according to Remax's latest national housing report. View the full article
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Toll Brothers' purchase of Buffington Homes of Arkansas will extend its national outreach with a strong presence in northwest Arkansas, the company said. View the full article
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The 30-year fixed is still over 20 basis points higher than its February bottom, but fell 7 basis points this past week on Iran peace hopes, Freddie Mac said. View the full article
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Newrez expects significant expense reductions from AI partnerships with HomeVision and Valon, as executives rule out mergers and a Rithm spinoff amid strong Q1 earnings. 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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The Supreme Court said Wednesday that it would defer President Donald The President's request for a stay until after oral arguments scheduled for January 2026, allowing Federal Reserve Governor Lisa Cook to remain on the board at least until then. View the full article
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While new jobs data contributed to falling Treasury yields, mortgage rates showed a mixed picture with some trackers moving in opposite directions. View the full article
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The regulator recently nixed Obama and Biden-era guidance for the Office of Fair Housing and Equal Opportunity and apparently reduced staff. 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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Robert Hartheimer's arrest comes at a time when the bank is trying to recover from a consent order and the Synapse mess. View the full article
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The company cited efforts to improve profitability behind its decision, with Popular joining a line of other banks in ending mortgage operations in 2025. View the full article
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Congressmen introduced the Retroactive Renewal and Reauthorization Act to the House Monday, with hopes to backdate the reauthorization of the insurance program. View the full article
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Federal Reserve Gov. Stephen Miran reiterated his view that monetary policy has become more restrictive than economists think, but expressed increased urgency that the central bank take strong corrective action. View the full article
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Luxury home prices rose 5.5% year over year in October to a median $1.28 million, far outgaining the 1.8% increase of nonluxury homes. View the full article
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New private-label bonds collateralized by loans made outside the qualified mortgage definition hit highs for the month, quarter and year, CreditFlow data shows. View the full article
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A federal judge threw out the criminal charges against former FBI Director James Comey and New York Attorney General Letitia James, ruling that the prosecutor who brought the cases had been illegally appointed. View the full article
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Non-banks tracked by Morningstar DBRS reported combined net income of $367 million for the third quarter, down from $807 million three months prior. View the full article
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After three consecutive weeks of increases, the 30-year fixed mortgage rate dropped 0.3 basis points to 6.23% this week, according to Freddie Mac. View the full article
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A North Carolina homeowner says the large servicer's $6.75 fee for borrowers to make mortgage payments with a debit card violates a state debt collection law. View the full article
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