Exhibit 10.1

EIGHTH AMENDMENT TO
SECOND AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT

THIS EIGHTH AMENDMENT TO SECOND AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT
(this “Amendment”), dated as of June 21, 2019 is by and between DHI Mortgage
Company, Ltd., a Texas limited partnership (the “Seller”), the Buyers party to
the Repurchase Agreement (defined below) (the “Buyers”), and U.S. Bank National
Association, a national banking association, as administrative agent for the
Buyers (the “Administrative Agent”).
RECITALS
A.    The Seller, the Buyers, and the Administrative Agent are parties to a
Second Amended and Restated Master Repurchase Agreement dated as of February 27,
2015, a First Amendment to Second Amended and Restated Master Repurchase
Agreement dated as of February 26, 2016, a Second Amendment to Second Amended
and Restated Master Repurchase Agreement dated as of June 24, 2016, a Third
Amendment to Second Amended and Restated Master Repurchase Agreement dated as of
September 23, 2016, a Fourth Amendment to Second Amended and Restated Master
Repurchase Agreement dated as of February 24, 2017, a Fifth Amendment to Second
Amended and Restated Master Repurchase Agreement dated as of February 23, 2018,
a Sixth Amendment to Second Amended and Restated Master Repurchase Agreement
dated as of February 22, 2019, and a Seventh Amendment to Second Amended and
Restated Master Repurchase Agreement dated as of March 26, 2019 (as amended,
restated, or otherwise modified from time to time, the “Repurchase Agreement”).
B.    The parties hereto desire to amend the Repurchase Agreement as provided
herein.
AGREEMENT
In consideration of the premises herein and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto hereby agree as follows:
Section 1.Definitions. Capitalized terms used and not otherwise defined in this
Amendment have the meanings specified in the Repurchase Agreement.
Section 2.Amendments.
2.1    Definitions. Section 1.2 of the Repurchase Agreement is amended by adding
or amending and restating, as applicable, the following definitions thereto, to
read in their entireties as follows:
“Swing Line Limit” means, for any day, the lesser of (x) $150,000,000, and (y)
the Maximum Aggregate Commitment minus the Aggregate Outstanding Purchase Price
outstanding on that day, being the maximum amount that may be funded and
outstanding on that day under the Swing Line.
2.2    Request for Increase in Maximum Aggregate Commitment. Section 2.3 of the
Repurchase Agreement is amended and restated in its entirety as follows:
2.3. Request for Increase in Maximum Aggregate Commitment. The Seller may from
time to time, by giving advanced written notice of at least two Business Days to
the Administrative Agent in the form of Exhibit G hereto, request an increase in
the Maximum Aggregate Commitment in increments of $25,000,000, with a minimum
increase of $25,000,000 to a specified amount up to $1,200,000,000 for a period
for such increase being designated by the Seller (but not less than 30 days, or
if less, the period remaining until the Termination Date); provided that no
Default has occurred that has not been cured before it has become an Event of
Default, and no Event of Default has occurred that the Administrative Agent has
not declared in writing to have been waived or cured. Upon receipt of such
request, the Administrative Agent may request one or more existing Buyers or new
Buyers (which new Buyers are acceptable to the Seller) to provide increased
Commitments to finance all or a portion of the requested increase. The
Administrative Agent shall notify the Seller of such new and existing Buyers’
responses to requests for increased or new Commitments. Following such notice,
to achieve the full amount of a requested increase, with the prior consent of
the Administrative Agent, the Seller may invite additional new Buyers to provide
such increase. Any increase under this Section 2.3 shall be in the

--------------------------------------------------------------------------------

sole discretion of the Administrative Agent and the Buyers, and no Buyer will
have any obligation to increase its Committed Sum. The consent of the
Administrative Agent and the Buyers to an increase under this Section 2.3 shall
be evidenced by the Administrative Agent providing to the parties to this
Agreement an updated Schedule BC. If an increase in the Maximum Aggregate
Commitment is achieved, then the Pro Rata ownership interest in the Purchased
Loans of each Buyer shall, following funding by the Buyers increasing their
Commitment Sums or by the new Buyers, automatically be adjusted proportionately.
Upon the expiration of any such increase, the Seller shall, to the extent
required, reduce the Aggregate Outstanding Purchase Price to the amount of the
Maximum Aggregate Commitment as then in effect, and the ownership interests in
the Purchased Loans of each Buyer shall automatically be adjusted accordingly.
2.3    Transaction Sublimits. Section 4.2(b) of the Repurchase Agreement is
amended and restated in its entirety as follows:
(b)    The outstanding Purchase Prices of all Purchased Loans that are Wet Loans
shall not exceed (x) 65% of the Maximum Aggregate Commitment for the last five
Business Days of each March, June, September and December, and the first five
Business Days of each April, July, October and January; (y) 55% of the Maximum
Aggregate Commitment on any of the first five and last five Business Days of any
other month; or (z) 35% of the Maximum Aggregate Commitment on any other day
(the “Wet Loans Sublimit”).
2.4    Schedules. Schedule BC to the Repurchase Agreement is amended and
restated to read in its entirety as set forth on Schedule BC hereto.
Section 3.Effectiveness. This Amendment shall become effective as of the date
first above written upon the Seller’s fulfillment of the following conditions
precedent:
3.1    The Administrative Agent shall have received (or be satisfied that it
will receive by such deadline as the Administrative Agent shall specify) the
following, all of which must be satisfactory in form and content to the
Administrative Agent:
(a)this Amendment, duly executed by the Seller, the Required Buyers, and the
Administrative Agent;
(b)a closing fee in the amount of $300,000, for distribution to the Buyers in
accordance with each Buyer’s Pro Rata Share of the increase in the base Maximum
Aggregate Commitment; and
(c)a certificate of the General Partner’s corporate secretary or assistant
secretary or other authorized officer dated as of the date hereof as to (i) the
incumbency of the officers of the Seller executing this Amendment and all other
Repurchase Documents executed or to be executed by or on behalf of the Seller,
(ii) the authenticity of their signatures, and specimens of their signatures
shall be included in such certificate or set forth on an exhibit attached to it
(the Administrative Agent, the Buyers and the Custodian shall be entitled to
rely on that certificate until the Seller has furnished a new certificate to the
Administrative Agent), (iii) resolutions of the General Partner’s board of
directors, authorizing the execution, delivery and performance by the Seller of
this Amendment and all other Repurchase Documents to be delivered by the Seller
pursuant to this Amendment and (iv) copies of the Seller’s (1) limited
partnership agreement, (2) certificate of limited partnership issued by the
state of Texas, (3) articles of incorporation certified by the Secretary of
State of the State of the General Partner, and (4) bylaws and all amendments, or
certification that there have been no changes to such documents since a true and
correct copy thereof was delivered to the Administrative Agent and that such
documents are in full force and effect.
3.2    Payment to the Administrative Agent or the Custodian, as applicable, of
all fees and expenses (including the disbursements and reasonable fees of the
Administrative Agent’s attorneys) of the Administrative Agent and the Buyers
payable by Seller pursuant to Section 9 of the Repurchase Agreement accrued and
billed for to the date of the Seller’s execution and delivery of this Agreement.

2

--------------------------------------------------------------------------------

Section 4.Miscellaneous.
4.1    Ratifications. This Amendment shall modify and supersede all terms and
provisions set forth in the Repurchase Documents that are inconsistent with this
Amendment, and the terms and provisions of the Repurchase Documents are ratified
and confirmed and shall continue in full force and effect.
4.2    Seller Representations and Warranties. The Seller hereby represents and
warrants that the representations and warranties set forth in Section 15 of the
Repurchase Agreement are true and correct in all material respects with the same
force and effect on and as of the date hereof as though made as of the date
hereof.
4.3    Survival. The representations and warranties made by the Seller in this
Amendment shall survive the execution and delivery of this Amendment.
4.4    Reference to Repurchase Agreement. Each of the Repurchase Documents,
including the Repurchase Agreement and any and all other agreements, documents,
or instruments now or hereafter executed and delivered pursuant to the terms
hereof or pursuant to the terms of the Repurchase Agreement as amended hereby,
is hereby amended so that any reference in such Repurchase Document to the
Repurchase Agreement shall refer to the Repurchase Agreement as amended and
modified hereby.
4.5    Applicable Law. This Amendment shall be governed by and construed in
accordance with the laws of the State of New York as applicable to the
Repurchase Agreement.
4.6    Successors and Assigns. This Amendment is binding upon and shall inure to
the benefit of the Seller, the Buyers, the Administrative Agent, and their
respective successors and assigns, except that the Seller may not assign or
transfer any of its rights or obligations hereunder without the prior written
consent of the Administrative Agent and, to the extent required by the
Repurchase Agreement, the Buyers.
4.7    Counterparts. This Amendment may be executed in one or more counterparts,
each of which when so executed shall be deemed an original, but all of which
when taken together shall constitute one and the same instrument.
4.8    Headings. The headings, captions, and arrangements used in this Amendment
are for convenience only and shall not affect the interpretation of this
Amendment.
4.9    ENTIRE AGREEMENT. THIS AMENDMENT AND THE OTHER REPURCHASE DOCUMENTS
REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES THERETO AND MAY NOT BE
CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE
PARTIES.

[Signature Pages Follow]

3

--------------------------------------------------------------------------------

IN WITNESS WHEREOF the parties have caused this Amendment to be executed as of
the date first set forth above.
DHI MORTGAGE COMPANY, LTD.,
as Seller and Servicer

By: DHI Mortgage Company GP, Inc.
Its General Partner

By: /s/ MARK C. WINTER                 
Name: Mark C. Winter
Title: Executive Vice President

S-1
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

U.S. BANK NATIONAL ASSOCIATION,
as Administrative Agent and a Buyer

By: /s/ EDWIN D. JENKINS                
Name: Edwin D. Jenkins            
Title: Senior Vice President

S-2
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

ASSOCIATED BANK, N.A., as a Buyer

By: /s/ MATTHEW O'ROURKE            
Name: Matthew O'Rourke            
Title: Assistant Vice President

S-3
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

BRANCH BANKING & TRUST COMPANY, as a Buyer

By: /s/ DARYL HARDY            
Name: Daryl Hardy    
Title: Vice President

S-4
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

COMERICA BANK, as a Buyer

By: /s/ ART SHAFER                    
Name: Art Shafer                
Title: Senior Vice President

S-5
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

TIAA, FSB, formerly known as EVERBANK, as a Buyer

By: /s/ E.R. MOORE                    
Name: E.R. Moore                
Title: Vice President

S-6
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

BMO HARRIS BANK N.A., as a Buyer

By: /s/ ROBERT BOMBEN                    
Name: Robert Bomben                
Title: Director

S-7
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

STERLING NATIONAL BANK, as a Buyer

By: /s/ EDDIE OTHMAN                    
Name: Eddie Othman                
Title: Senior Vice President

S-8
Eighth Amendment to Second Amended and Restated Master Repurchase Agreement

--------------------------------------------------------------------------------

SCHEDULE BC TO EIGHTH AMENDMENT
TO SECOND AMENDED AND RESTATED
MASTER REPURCHASE AGREEMENT

SCHEDULE BC
TO SECOND AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT

THE BUYERS' COMMITTED SUMS

Buyer
Except as provided in the below chart,
Committed Sum for any period:
U.S. Bank National Association
$
250,000,000

Branch Banking & Trust Company
$
150,000,000

Comerica Bank
$
150,000,000

TIAA, FSB, f/k/a EverBank
$
150,000,000

BMO Harris Bank N.A.
$
75,000,000

Sterling National Bank
$
75,000,000

Associated Bank, N.A.
$
50,000,000

Maximum Aggregate Commitment
$
900,000,000

Buyer
Committed Sum for
June 21, 2019 through and including July 22, 2019,
and September 20, 2019 through and including November 5, 2019
U.S. Bank National Association
$
305,555,556

Branch Banking & Trust Company
$
183,333,333

Comerica Bank
$
183,333,333

TIAA, FSB, f/k/a EverBank
$
183,333,333

BMO Harris Bank N.A.
$
91,666,667

Sterling National Bank
$
91,666,667

Associated Bank, N.A.
$
61,111,111

Maximum Aggregate Commitment
$
1,100,000,000

Sch. BC