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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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The yield on 10-year benchmark Treasuries was up about three basis points following Wednesday's sale, after earlier climbing more than five basis points. View the full article
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Treasury yields climbed to the highest in more than two months, following losses in most global government-bond markets, ahead of a Federal Reserve interest-rate decision that may alter expectations for monetary policy in 2026. View the full article
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Traders added to bets on interest-rate cuts from the Federal Reserve amid concern about the impact of US trade tariffs on global economic growth. View the full article
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Effective March 18, the department is retracting eligibility for non-citizens, it announced. View the full article
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Homebuyers would be able to take advantage of streamlined finance options, folding energy infrastructure costs with their mortgages, the companies said. View the full article
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Ligation by the Ohio attorney general claims that UWM has turned brokers in its network into retail loan officers who solely work for the company. View the full article
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Judges ruled that Atlantic Trust and District Lending continuing to send loans to UWM after the controversial amendment equates to accepting the ultimatum. View the full article
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United Wholesale Mortgage led its industry peers in total origination volume, though Rocket Mortgage and Crosscountry weren't that far behind. View the full article
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United Wholesale Mortgage sees this branding partnership as an opportunity to recruit workers in its home market in the Detroit area, CMO Sarah DeCiantis said. View the full article
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The deal significantly grows United Wholesale Mortgage's servicing portfolio, and it will increase the float on its common stock, making it more investable. View the full article
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The latest statement from UWM cited TWO's settlement with its former external manager and declared its management team to be driven by ego, not sound judgement. View the full article
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Since the end of July, UWM's common stock price gained 55%, but an improved mortgage origination outlook was already accounted for, said Jeffrey Adelson. View the full article
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UWM, embroiled in an us-or-them feud when it comes to business partners working with Rocket, terminated its subservicing and sales deals with Mr. Cooper. View the full article
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A federal judge granted the interview request for a brokerage accused of violating the megalender's restriction on selling loans to wholesale competitors. View the full article
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The city-owned venue will promote the broker search website by team owner Mat Ishbia's mortgage company for 10 years in a $115-million deal. View the full article
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The company was founded in 1986 by current CEO Mat Ishbia's father Jeff and became the No. 1 originator by dollar volume in the third quarter of 2022. View the full article
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UWM Holdings set a single-day record for rate locks in September at $4.8 billion, taking advantage of the window of opportunity leading up to the FOMC meeting. 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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Even after a servicing write-down, the GAAP net income of $164.4 million during the fourth quarter substantially topped comparative periods at UWM Holdings. View the full article
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UWM raised its Q1 and full-year 2026 revenue guidance ahead of Two Harbors' March 16 shareholder vote, citing AI efficiency gains, amid stock volatility since the merger announcement. View the full article
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While those electing cash could receive $12.50 per share, UWM's all-stock alternative remains unchanged from the company's initial agreement for Two Harbors. View the full article
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UWM Holdings is now bidding 70 cents more per share than CrossCountry for Two Harbors, with an all-cash option as an alternative to its all-stock proposal. View the full article
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United Wholesale Mortgage dropped the fees for Title Review and Closing plus to as low as $1,295; it also extended its R/T 90 refi promo for another month. View the full article
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One of the tools introduced is a voicebot, dubbed Mia, which helps with consumer retention by making calls to check on clients for UWM broker partners. View the full article
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The company missed analysts' quarterly forecasts on operating earnings per share due to higher mortgage servicing rights amortization and operating expenses. View the full article
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