Exhibit 10.6.12 

   

  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. 12 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 12 to Master Repurchase Agreement, dated as of December 12,
      2019 (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 and Amendment No. 11, dated as of September 20, 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 any calendar year in excess of (i) [***] for the calendar year ending December 31, 2019 and (ii) 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 distributions may be made at any time following the occurrence and during the
      continuation of an Event of Default.

   

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  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. 1 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 of this Amendment. The original documents shall be promptly delivered, if requested.

   

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  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/ Chi Ma
	 	 	Name: Chi Ma
	 	 	Title: Director
	 	 	 
	 	By:	/s/ Hye-Eun Cheong
	 	 	Name: Hye-Eun Cheong
	 	 	Title: Director


   

  Signature Page to Amendment No. 12 to Master Repurchase Agreement

   

  
     

    
      
 

  

   

  	 	HOME POINT FINANCIAL
	 	 	CORPORATION,  as Seller
	 	 	 
	 	By:	/s/ Courtney Tereszcuk
	 	 	Name: Courtney Tereszcuk
	 	 	Title: Managing Director - Treasurer


   

  Signature Page to Amendment No. 12 to Master Repurchase Agreement