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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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Roughly a third of homeowners with a mortgage rate less than 6% would not give up their rate for any reason, according to a survey of 1,000 mortgage holders. View the full article
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Sheer luck kept all but one hurricane from U.S. shores in 2025; one landfall in 2026 could devastate servicers. 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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Surge, which claims to serve some of the nation's larger wholesale players, said the lender's behavior was reminiscent of its spat with Black Knight. View the full article
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The bank denied Black, Latino and Asian mortgage applicants roughly twice as frequently as white applicants in North Carolina, according to a study from the Americans for Financial Reform Education Fund. View the full article
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M&A, complementary to widespread artificial intelligence implementation, is also high on the list of upcoming priorities for new Dark Matter CEO Vikas Rao. View the full article
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Fintech firm IntraFi's most recent quarterly survey of bank executives showed rising pessimism among bankers related to "instability in Washington," as well as growing concerns about technology-enabled fraud. View the full article
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Check out the next set of names in the 28th edition of National Mortgage News' Top Producers survey, including on how they approach purchase business. View the full article
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Credibly will bring its SMB loans and revenue-based financing products to Figure's Democratized Prime platform, Figure said in a press release. View the full article
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Finance of America's earnings per share came out to $1.10, double that of the first quarter of 2025 and well above the a S&P Capital IQ Pro consensus estimate of $0.84. View the full article
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The company turned a GAAP profit of $170.4 million for the quarter, with its volume and margins relatively flat compared with the fourth quarter of 2025. View the full article
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The 90-day-plus delinquency rate on student loans hit 10.3% in the first quarter, and New York Fed researchers warn that a second wave of defaults could be coming. Evidence is mixed regarding the likely impact on other consumer-lending segments. View the full article
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A shareholder who claims no bias between United Wholesale Mortgage and CrossCountry Mortgage suggests the servicer must answer to recent allegations. View the full article
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With the 10-year Treasury yield at levels not seen in 52 weeks, the 30-year fixed rate mortgage rose 15 basis points over last Thursday, Freddie Mac said. View the full article
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The latest acquisition activity points to the importance of decisions lenders make regarding their MSRs in 2026 and some considerations unique to each company. View the full article
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The streamlining is designed to further expedite a process which allows mortgage companies to get a case number for loans on single units even if the building they're in doesn't have one. View the full article
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Kin, a direct-to-consumer insurance provider, has started a mortgage broker in Florida which also takes loan applications through a call center or online. View the full article
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While the Federal Open Market Committee has yet to meet this month, investor pricing of longer-term bonds helped mortgages by 11 basis points, Wallethub said. 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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Frank Cassidy, who is currently principal deputy assistant secretary at the Department of Housing and Urban Development, will soon face a full Senate vote. View the full article
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What developments around rent reporting and new credit standards portend for mortgage companies. Part 2 of a series on government-sponsored enterprise changes. 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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The latest announcement comes two months after an initial round of staff reductions following approval of Rocket's acquisition of the company. View the full article
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