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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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A group representing this part of the industry also called for more implementation time and some changes to borrower determinations. View the full article
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RATE 2026-J1 has a seasoned probability of default of 6.4% and 1.3% on the 'AAA' and 'B' rating stress levels, respectively. View the full article
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Despite bullish jobs data, yields surged post-FOMC, with three possible wave theory outcomes ahead, according to the head of correspondent business development at AD Mortgage. View the full article
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The artificial intelligence-based technology automates manual processes associated with the financing, including draws, for homes under construction. 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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Losses stemming from the 2022 vintage have been offset by excess spread, while cure and roll rates signal caution. View the full article
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About two-thirds of respondents to a NewDay survey said their education about the benefit was lacking either during their time in the service or afterwards. View the full article
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Federal Reserve Gov. Christopher Waller said certain corporate functions at the 12 regional banks, including information technology and human resources, could be consolidated under one structure to increase standardization and reduce costs. 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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Alongside its cloud-based brokerage, the company said the acquisition will transform eXp's existing infrastructure into a multi-model platform. View the full article
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Applications for mortgages to buy a home or refinance both fell for a second week, marking a swift reversal of what had been a hopeful sign of a revival in the US housing market. View the full article
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Mortgage groups want GSEs to buy MBS to lower rates, but the Chairman of Whalen Global Advisors writes that the plan is risky, unnecessary, and poorly timed. View the full article
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Of the 15 states most affected by natural disasters, California and Florida had the highest non-renewal rates in 2024, a Weiss Ratings study found. View the full article
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Bayview Asset Management and three affiliates reached an agreement in a data breach lawsuit for an incident that impacted 5.8 million customers. View the full article
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Big-picture plans for the government-sponsored enterprises get the spotlight, but other issues may affect the industry more directly. Part 1 of a series. View the full article
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The class action suit doubles down on accusations that the homebuilder and its lending arm are deceiving borrowers about their monthly mortgage payments. View the full article
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The new monthly reporting rule lists improved accuracy and timeliness of MBS payments among its goals, with implementation planned for February 2026. View the full article
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A significant portion of the loans in the pool by balance, 44.5%, are designated at non-QM, according to DBRS, adding that about 50% of the loans in the pool were made to investors for business purposes. View the full article
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With limited seasoning and primarily a clean payment history, OBX 2026-NQM1 had a seasoned probability of default of 33.3% among the AAA stresses and 11.4% among the B. View the full article
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The Bureau of Labor Statistics reported Tuesday morning that consumer prices rose 0.3% in December, with annual inflation stuck at 2.7%, lending credence to the Federal Reserve's cautious stance toward interest rates heading into 2026. View the full article
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Kelman chose to step down from the company, which he had spent 20 years running, a week before its second phase of integration with Rocket. View the full article
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Hot securitization sectors such as non-qualified mortgages and home equity are set to expand further amid market shifts this year, recent forecasts suggest. View the full article
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The average homebuyer who purchased a home below the asking price last year received a 7.9% discount, the largest since 2012, Redfin found. View the full article
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