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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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Refinances drove growth of last year's lending activity, with both the volume share and average loan size coming in noticeably higher, according to IEmergent. View the full article
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Mordor Intelligence expects the manufactured homes market size to expand from $28.5 billion in 2025 to $30.5 billion this year, its latest report found. View the full article
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Here are the 50 most prolific mortgage originators in the U.S. as measured by units produced, according to the 2026 National Mortgage News Top Producers survey. View the full article
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CrossCountry defended its lower bid for Two Harbors, looking to refute UWM's arguments regarding the status of its financing for the all-cash offer. View the full article
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The online real estate marketplace sees second-quarter adjusted earnings before interest, taxes, depreciation and amortization in a range of $150 million to $165 million, missing the average analyst estimate of $191 million. View the full article
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The lender says it's willing to "cut costs deeper" if macroeconomic conditions hinder it from reaching a breakeven adjusted EBITDA goal later this year. View the full article
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The Treasury Department held a high-stakes huddle with state insurance officials to discuss risks associated with the rapid growth of private credit in the economy and whether those investments could pose systemic vulnerabilities. View the full article
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The Consumer Price Index for April showed consumer prices rising across all categories, including food and shelter costs, and up 3.8% year-over-year. Grocery prices rose 0.7% from the month prior. View the full article
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Although posting lower volume than in the fourth quarter, all six active underwriters remained profitable, even with borrowers facing economic turbulence. View the full article
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Post-pandemic rule changes also have driven the Department of Veterans Affairs' number higher too but not as much as the Federal Housing Administration's. View the full article
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Standard & Poor's found modeled foreclosure frequency and loss coverage to be in similar ranges as classic FICO but showed concern about potential bias. View the full article
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Executives from Guild and NewRez discussed the steps they are taking as participants in the pilot phase of the roll out of VantageScore 4.0 and FICO 10T. View the full article
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The real estate investment trust, while reporting a first quarter net loss, benefitted from growth and stable margins in its three mortgage production units. View the full article
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Starts of single-family homes declined 9%, the most since August, according to government figures released Thursday. 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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The Consumer Financial Protection Bureau has finalized changes to Regulation B, which implements the Equal Credit Opportunity Act, to eliminate any liability for indirect discrimination by lenders. The change represents a major shift in how the agency polices lending discrimination. View the full article
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The NEXA CEO accused his rival of lashing out at his company despite its own alleged wrongdoing in poaching loan officers and diverting loans. View the full article
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The Federal Open Market Committee's April meeting — likely Federal Reserve Chair Jerome Powell's last — is unanimously expected to keep interest rates steady, but questions about energy, inflation and the upcoming transition in leadership still loom. View the full article
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Using a non-GAAP measurement, the real estate investment trust, preparing to be bought by CrossCountry, reported a $25 million loss for the first quarter. View the full article
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Kevin Warsh's nomination to be the next chair of the Federal Reserve passed through the Senate Banking committee in a party-line vote. View the full article
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The promotion offers rate cuts as much as 25 basis points on new-home purchases as well as rate-and-term and cash-out refinance loans from May 4 through May 17. View the full article
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