Exhibit 10.6.13

   

  CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***]
      INDICATES THAT INFORMATION HAS BEEN REDACTED.

   

  AMENDMENT NO. 13 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 13 to Master Repurchase Agreement,
      dated as of July 6, 2020 (this “Amendment”), between UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller are parties to (a) that
      certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment No. 4, dated as of
      January 5, 2017, Amendment No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9, 2017, Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018, Amendment No. 9, dated as of October 19, 2018,
      Amendment No. 10, dated as of February 29, 2019, Amendment No. 11, dated as of September 20, 2019 and Amendment No. 12, dated as of December 12, 2019, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase



        Agreement”) and (b) that certain Pricing Letter, dated as of September 20, 2019 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein
      shall have the meanings given to them in the Existing Repurchase Agreement and Pricing Letter, as applicable.

   

  The Buyer and the Seller have agreed, subject to
      the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement.

   

  Accordingly, the Buyer and the Seller hereby
      agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

   

  SECTION 1. Dividends and Distributions.
      Section 11 to the Existing Repurchase Agreement is hereby amended by deleting subsection (o) in its entirety and replacing it with the following:

   

  (o) Limitation on Dividends and
        Distributions. Except as permitted by Buyer in writing, Financial Reporting Party shall not make any payment on account of, or set apart assets for, a sinking or other analogous fund for the purchase, redemption, defeasance, retirement or other
      acquisition of any equity interest of Financial Reporting Party, whether now or hereafter outstanding, or make any other distribution or dividend in respect of any of the foregoing or to any shareholder or equity owner of Financial Reporting Party,
      either directly or indirectly, whether in cash or property or in obligations of Financial Reporting Party or any of its consolidated Subsidiaries in excess of (i) for the calendar year ending December 31, 2019, [***] (ii) for the calendar
      year ending December 31, 2020, [***] and (iii) thereafter, [***] of the Net Income of Financial Reporting Party for the preceding calendar year (determined in accordance with GAAP); provided that no such payments, dividends or
    other

   

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  distributions may be made at any time following the occurrence and during the continuation
      of an Event of Default.

   

  SECTION 2. Conditions Precedent. This
      Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to the satisfaction of the following conditions precedent:

   

  2.1        Delivered Documents. On the
      Amendment Effective Date, the Buyer shall have received the following documents, each of which shall be satisfactory to the Buyer in form and substance:

   

   (a)         this




      Amendment, executed and delivered by the Buyer and Seller;

   

  (b)         Amendment No. 3 to the Pricing Letter,
      dated as of the date hereof, executed and delivered by Buyer and Seller; and

   

  (c)         such other documents as the Buyer or
      counsel to the Buyer may reasonably request.

   

  SECTION 3. Ratification of Agreement. As
      amended by this Amendment, the Existing Repurchase Agreement is in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 4. Representations and Warranties.
      The Seller hereby represents and warrants to the Buyer that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or
      is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by
      it, and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms.

   

  SECTION 5. Limited Effect. Except as
      expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms.

   

  SECTION 6. Severability. Each provision
      and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

   

  SECTION 7. Counterparts. This Amendment
      may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment,
      any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format
      (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart

   

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  of this Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this Amendment may be accepted, executed or agreed to
      through the use of an electronic signature in accordance with the E-Sign, the Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29,
      1999 and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any
      secure third party electronic signature capture service providers, as long as such service providers use system logs and audit trails that establish a temporal and process link between the presentation of identity documents and the electronic
      signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s identity and evidence of the signer’s agreement to conduct the transaction electronically and of the signer’s
      execution of each electronic signature. The original documents shall be promptly delivered, if requested.

   

  SECTION 8. Binding Effect. This
      Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

   

  SECTION 9. GOVERNING LAW. THIS
      AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL
      BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL
      OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY
      ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

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  IN WITNESS WHEREOF, the Buyer and the seller have caused their
      names to be signed hereto by their respective officers thereunto duly authorized as of the date first above written.   

   

  	 	UBS AG, BY AND
              THROUGH ITS 

          BRANCH OFFICE AT 1285 AVENUE 

          OF THE AMERICAS, NEW YORK, 

          NEW YORK, as Buyer
	 		 
	 	By:	/s/ GARY TIMMERMAN
	 	 	Name: GARY TIMMERMAN
	 	 	Title: MANAGING DIRECTOR


  	 		 
	 	By:	/s/ Ari Lash
	 	 	Name: Ari Lash
	 	 	Title: Executive Director


  

   

   Signature Page to Amendment No. 13 to Master
      Repurchase Agreement

   

  
     

    
      
 

  

   

  
    	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 		 
	 	By:	/s/ Joseph Ruhlin
	 	 	Name: Joseph Ruhlin
	 	 	Title: Treasurer



  
 

  Signature Page to Amendment No. 13 to Master Repurchase Agreement