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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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With comments on the proposed repeal due Sept. 26, stakeholders must demand decisions based on data — not politics, according to the founder of 480 Advisors. View the full article
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The lender is seeking to dismiss the lawsuit, calling the purported scheme to also deprive its loan officers of full compensation implausible. View the full article
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However, Rocket, which has been of the companies to participate, has not yet announced its intentions regarding a pre-FHFA announcement increase. View the full article
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OCMBC launched its new wholesale lender, GIANT Lending, amid a poaching controversy with the naming rights to its old DBA, Jet Advantage. View the full article
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The FHA extended the mandatory implementation date for the waterfall but there are still some things changing on Oct. 1, when the government could shut down. View the full article
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The massive wholesale lender's new website stands opposite rival United Wholesale Mortgage's own originator portal which it launched in 2018. View the full article
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Former Mr. Cooper CEO Jay Bray will become Rocket Mortgage's president and CEO as the $14.2 billion transaction closes in just six months after announcement. View the full article
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The partnership centers on a master purchase agreement for a portfolio of mortgage servicing rights that the real estate investment trust is buying. View the full article
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Affordability has improved and rate drops have exposed millions to incentives, but many more must wait for a break, ICE Mortgage Technology found. View the full article
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The shutdown halted the release of employment data, typically a driver of mortgage rate activity, likely resulting in trackers moving in varying directions. View the full article
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Fannie Mae and Freddie Mac's credit risk-transfers and some older private-label mortgage-backed securities have exposures to the Washington DC area. View the full article
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Federal Reserve Governor Stephan Miran said the economic standoff with China could increase market volatility, further necessitating the central bank to move its policy stance to neutral. 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 Long Island-based bank hasn't been profitable in eight quarters, but executives maintain that it's on the right path, citing more loan book diversity, lower expenses and an improved margin. View the full article
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While Rocket Mortgage's satisfaction score improved by 4% versus 2024, the industry as a whole dropped 1%, with credit unions outpacing banks and IMBs. View the full article
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FFIN 2025-3's average loan balance, $16,366 was lower compared with the 2025-2 deal, when it was $19,993, and the WA interest rate on the current deal is 12.15%, down from 12.56%. View the full article
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In her first public appearance since President The President moved to fire her from the Federal Reserve Board of Governors, Fed Gov. Lisa Cook reiterated her commitment to bringing inflation under 2% and said that the labor market remains "solid." View the full article
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The bill would provide pay for furloughed government workers, resume withheld federal payments to states and localities and recall agency employees who were laid off during the shutdown. View the full article
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The wholesale giant hasn't endured setbacks in litigation against five brokerages it's accused of selling loans to rivals Rocket Cos. and Fairway Independent Mortgage. View the full article
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Recent merger activity also includes the purchase of an Alabama title company by technology firm Propy, as experts see ongoing consolidation through 2026. View the full article
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Rate-and-term refinances dropped 14% month over month in October, but were still up 143% from last year. View the full article
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Third-quarter mortgage earnings revealed swings in profitability, but the real story, according to the Chairman of Whalen Global Advisors, is that hedging MSRs is unnecessary for well-managed lenders. View the full article
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Second-lien mortgages make up the collateral pool. Those assets normally have a high expected loss severity, but the borrowers appear to be of prime credit quality. View the full article
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The fintech had over $2 billion in home equity line of credit volume in the third quarter and reported growing production in its crypto and non-QM offerings. View the full article
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