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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 United Wholesale Mortgage executive stepped in to defend a claim against the company, as consumers pelt the industry with more spam call complaints. View the full article
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Jumbo loans demand more scrutiny and documentation, but automation is streamlining the process — and lenders who master the product stand to gain in a moderately bullish market. View the full article
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Developers including D.R. Horton Inc., Lennar Corp. and KB Home all missed expectations last quarter and estimates suggest both sales and earnings have fallen further as conflict in the Middle East unsettled buyers and raised costs. View the full article
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More than a third of sellers have mortgage rates below 5%, yet still plan to list their homes this spring, according to a survey from Coldwell Banker. View the full article
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The government guarantor aims to distinguish delinquencies reported as a result of a Federal Housing Administration rule change from broader market trends. 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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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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Restricting institutional investors is bad policy, but reforming 1031 exchanges and requiring public listings for HUD homes could boost affordability, according to the Chairman of Whalen Global Advisors. View the full article
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The NPLA Watchlist helps lenders, brokers and service providers spot borrowers who may pose added risk. 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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Freddie Mac's investment in affordable housing increased by 17% in 2025 compared with the year prior, the government-sponsored entity said. View the full article
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Treasury yields are diverging, charts are breaking down and trading looks two-sided into the FOMC, according to the CEO of IF Securities. View the full article
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IMBs outperform banks, face outsized scrutiny, and confront rising affordability challenges, according to the President of the Community Home Lenders of America. View the full article
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Despite a weak ADP jobs print, Treasury yields went nowhere, reinforcing a growing bearish, defensive case for rates, according to the CEO of IF Securities. View the full article
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The lawsuit, which doesn't target UWM, accuses the REIT's CEO and board of directors of suspicious stock sales around the December announcement. View the full article
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The real estate industry has paid over $1 billion in combined settlements in the longstanding cases from home sellers challenging commissions payments. View the full article
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Company veteran Austin Niemiec is running the wholesale arm after the departures of Fawaz, a prominent broker advocate, and general manager Dan Sogorka. View the full article
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In a speech Tuesday, Federal Reserve Gov. Michael Barr said it was possible that artificial intelligence will boost productivity in an undisruptive way. But he said policymakers should also be wary of a financial crash if those gains are not realized or a rapid adoption that could lead to labor displacement. View the full article
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Some observers say changes to MSR risk-weighting would have limited near-term impact and are unlikely to prompt banks to rush back. View the full article
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About 1.3% of residential properties in the United States were vacant at the beginning of the year, Attom found. View the full article
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A median-income household could comfortably afford a $331,483 home with a 20% down payment in January, $30,000 more than a year ago, Zillow found. View the full article
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Nearly 14% of homes that went under contract last month were cancelled, up from 13.1% last year and the highest January share in records, according to Redfin. View the full article
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Even with the increase in business, Fidelity National Financial reported a net loss for the period, a result of the stock distribution for its life unit. View the full article
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