SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                   FORM 10-QSB

[X]     QUARTERLY  REPORT  UNDER  SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
        ACT  OF  1934

                 FOR THE QUARTERLY PERIOD ENDED JANUARY 31, 2002

[ ]     TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
        ACT  OF  1934

          For the transition period from _______________ to _______________.


                         COMMISSION FILE NUMBER O-24512


                               ANZA CAPITAL, INC.
             (Exact name of registrant as specified in its charter)

                        NEVADA                      88-1273503
          (State or other jurisdiction of        (I.R.S. Employer
          incorporation or organization)        Identification No.)

                   3200 BRISTOL STREET, SUITE 700
                            COSTA MESA, CA                  92626
             (Address of principal executive offices)     (Zip Code)


      REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE    (714) 866-2100


     Check  whether  the  issuer  (1)  filed all reports required to be filed by
Section  13  or  15(d) of the Securities Exchange Act of 1934 during the past 12
months (or for such shorter period that the registrant was required to file such
reports),  and  (2) has been subject to such filing requirements for the past 90
days.     Yes    X     No.
               ----

     APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE
                              PRECEDING FIVE YEARS

     Check whether the registrant filed all documents and reports required to be
filed  by  Section 12, 13 or 15(d) of the Exchange Act after the distribution of
securities  under  a  plan  confirmed  by  a  court.
Yes     No.

                      APPLICABLE ONLY TO CORPORATE ISSUERS

     State  the  number of shares outstanding of each of the issuer's classes of
common  equity,  as of the latest practicable date.  As of March 22, 2002, there
were 44,139,397 shares  of  common  stock  issued  and  outstanding.

                  TRANSITIONAL SMALL BUSINESS DISCLOSURE FORMAT
                                  (check one):

                            Yes _____     No    X
                                              ------

<PAGE>

                               ANZA CAPITAL, INC.



                                TABLE OF CONTENTS
                                -----------------


                                     PART I

Item  1          Financial  Statements

Item  2          Management's  Discussion  and  Analysis  or  Plan of Operations

                                     PART II

Item  1          Legal  Proceedings

Item  2          Changes  in  Securities  and  Use  of  Proceeds

Item  3          Defaults  Upon  Senior  Securities

Item  4          Submission  of  Matters  to  a  Vote  of  Security  Holders

Item  5          Other  Information

Item  6          Exhibits  and  Reports  on  Form  8-K


                                        2
<PAGE>
                                     PART I


This  Quarterly Report includes forward-looking statements within the meaning of
the  Securities Exchange Act of 1934 (the "Exchange Act").  These statements are
based  on  management's  beliefs  and  assumptions, and on information currently
available  to  management.  Forward-looking  statements  include the information
concerning  possible  or assumed future results of operations of the Company set
forth  under  the  heading  "Management's  Discussion  and Analysis of Financial
Condition  or  Plan  of  Operation."  Forward-looking  statements  also  include
statements  in  which  words  such as "expect," "anticipate,"  "intend," "plan,"
"believe,"  "estimate,"  "consider"  or  similar  expressions  are  used.

Forward-looking  statements  are  not  guarantees  of  future performance.  They
involve  risks, uncertainties and assumptions.  The Company's future results and
shareholder  values  may  differ  materially  from  those  expressed  in  these
forward-looking  statements.  Readers are cautioned not to put undue reliance on
any  forward-looking  statements.

ITEM  1     FINANCIAL  STATEMENTS



                                        3
<PAGE>
                               ANZA CAPITAL, INC.
                   (FORMERLY E-NET FINANCIAL.COM CORPORATION)
                                AND SUBSIDIARIES
                           CONSOLIDATED BALANCE SHEET

<TABLE>
<CAPTION>


<S>                                                                  <C>
                                                                     January 31, 2002
                                                                     ------------------
                                  ASSETS
Current assets:
 Cash and cash equivalents. . . . . . . . . . . . . . . . . . . . .  $         633,655
 Accounts receivable, net of allowance for doubtful
   accounts of $74,123. . . . . . . . . . . . . . . . . . . . . . .            734,877
 Loans held for sale. . . . . . . . . . . . . . . . . . . . . . . .          1,498,116
 Advances to employees. . . . . . . . . . . . . . . . . . . . . . .            104,500
 Prepaid and other current assets . . . . . . . . . . . . . . . . .             80,125
                                                                     ------------------
      Total current assets. . . . . . . . . . . . . . . . . . . . .          3,051,273

 Property and equipment, net of accumulated depreciation of $93,387             97,941
 Goodwill, net of accumulated amortization
          and impairments of $1,385,049 . . . . . . . . . . . . . .            425,247
                                                                     ------------------
                                                                     $       3,574,461
                                                                     ==================
                        LIABILITIES AND STOCKHOLDERS' EQUITY

Current liabilities:
 Accounts payable . . . . . . . . . . . . . . . . . . . . . . . . .  $         314,176
 Warehouse line of credit . . . . . . . . . . . . . . . . . . . . .          1,475,987
 Accrued liabilities. . . . . . . . . . . . . . . . . . . . . . . .            136,143
 Commissions payable. . . . . . . . . . . . . . . . . . . . . . . .            871,074
 Short-term notes payable . . . . . . . . . . . . . . . . . . . . .            224,934
 Convertible notes payable to related parties . . . . . . . . . . .            337,605
 Interest payable on notes to related parties . . . . . . . . . . .             29,533
                                                                     ------------------
      Total current liabilities . . . . . . . . . . . . . . . . . .          3,389,452

Other liabilities . . . . . . . . . . . . . . . . . . . . . . . . .              1,088
                                                                     ------------------
      Total liabilities . . . . . . . . . . . . . . . . . . . . . .          3,390,540
                                                                     ------------------

Stockholders' equity:
 Class A convertible preferred stock, no par value;
  liquidation value of $0.50 per share;
  388,700 shares issued and outstanding . . . . . . . . . . . . . .            194,350
 Class C convertible preferred stock, no par value;
  liquidation value of $100 per share;
  17,746 shares issued and outstanding. . . . . . . . . . . . . . .          1,745,900
 Common stock, $0.001 par value; 100,000,000 shares
  authorized; 39,589,401 issued and outstanding . . . . . . . . . .             39,589
 Additional paid-in capital . . . . . . . . . . . . . . . . . . . .         12,160,226
 Accumulated deficit. . . . . . . . . . . . . . . . . . . . . . . .        (13,950,144)
 Deferred stock compensation. . . . . . . . . . . . . . . . . . . .             (6,000)
                                                                     ------------------
      Total stockholders' equity. . . . . . . . . . . . . . . . . .            183,921
                                                                     ------------------
                                                                     $       3,574,461
                                                                     ==================

See accompanying notes


</TABLE>


                                        4
<PAGE>

                               ANZA CAPITAL, INC.
                   (FORMERLY E-NET FINANCIAL.COM CORPORATION)
                                AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF OPERATIONS

<TABLE>
<CAPTION>


<S>                                                      <C>             <C>             <C>             <C>

                                                         Three           Three           Nine            Nine
                                                         Months Ended    Months Ended    Months Ended    Months Ended
                                                         Jan 31, 2002    Jan 31, 2001    Jan 31, 2002    Jan 31, 2001
                                                         --------------  --------------  --------------  --------------

Revenues:
   Broker commissions . . . . . . . . . . . . . . . . .      6,502,348       2,507,877      17,566,556       7,352,714
   Fee Income . . . . . . . . . . . . . . . . . . . . .        142,348          45,927         483,692         184,032
                                                         --------------  --------------  --------------  --------------
                                                             6,644,696       2,553,804      18,050,248       7,536,746
                                                         --------------  --------------  --------------  --------------

Cost of revenues:
   Commissions. . . . . . . . . . . . . . . . . . . . .      3,527,541       2,232,371      10,458,042       5,596,322
                                                         --------------  --------------  --------------  --------------

Gross profit. . . . . . . . . . . . . . . . . . . . . .      3,117,155         321,433       7,592,206       1,940,424

General and administrative. . . . . . . . . . . . . . .      3,027,027         964,225       7,349,788       3,141,204
Consulting fees . . . . . . . . . . . . . . . . . . . .         76,850         538,823         603,995       1,469,543
Loss on Recession of LoanNet. . . . . . . . . . . . . .              -       1,838,012               -       1,838,012
Non-recurring loss on settlements . . . . . . . . . . .              -               -         282,494               -
                                                         --------------  --------------  --------------  --------------

     Operating income (loss). . . . . . . . . . . . . .         13,278      (3,019,627)       (644,071)     (4,508,335)


Interest expense. . . . . . . . . . . . . . . . . . . .        (72,851)        (38,073)        (99,522)       (146,821)
Other income (expense), net . . . . . . . . . . . . . .          5,646          23,472          35,734         111,874
                                                         --------------  --------------  --------------  --------------

     Net loss before extraordinary item.    . . . . . .        (53,927)     (3,034,228)       (707,859)     (4,543,282)

     Extraordinary item, gain on settlement of debt.            69,695               -         125,880               -
                                                         --------------  --------------  --------------  --------------

     Net income (loss). . . . . . . . . . . . . . . . .  $      15,768   $  (3,034,228)  $    (581,979)  $  (4,543,282)
                                                         ==============  ==============  ==============  ==============

Basic and diluted net loss per share of common
 stock, before extraordinary item . . . . . . . . . . .  $           -   $       (0.14)  $       (0.02)  $       (0.22)

Extraordinary item. . . . . . . . . . . . . . . . . . .              -               -               -               -

Basic and diluted net loss per share of common
 stock. . . . . . . . . . . . . . . . . . . . . . . . .  $           -   $       (0.14)  $       (0.02)  $       (0.22)

Weighted average common shares outstanding. . . . . . .     38,985,955      21,502,831      34,622,215      21,089,148
                                                         ==============  ==============  ==============  ==============

See accompanying notes

</TABLE>

                                        5
<PAGE>


                               ANZA CAPITAL, INC.
                   (FORMERLY E-NET FINANCIAL.COM CORPORATION)
                                AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS

<TABLE>
<CAPTION>


<S>                                                                           <C>             <C>

                                                                              Nine Months     Nine Months
                                                                              Ended           Ended
                                                                              Jan 31, 2002    Jan 31, 2001
                                                                              --------------  --------------
Cash flows from operating activities:
 Net loss. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $    (581,979)  $  (4,543,282)
 Adjustments to reconcile net loss to net cash used in operating activities:
 Depreciation and amortization . . . . . . . . . . . . . . . . . . . . . . .         15,001         382,813
 Non-recurring loss on settlements . . . . . . . . . . . . . . . . . . . . .        282,494               -
 Loss on rescission of LoanNet . . . . . . . . . . . . . . . . . . . . . . .              -       1,838,012
 Extraordinary gain from settlement of debt. . . . . . . . . . . . . . . . .       (125,880)              -
 Stock compensation to consultants . . . . . . . . . . . . . . . . . . . . .        426,023       1,234,343
 Amortization of debt discounts. . . . . . . . . . . . . . . . . . . . . . .        116,875               -
 Amortization of deferred stock compensation . . . . . . . . . . . . . . . .        187,133         235,200
 Changes in operating assets and liabilities:
   Increase in accounts receivable, net. . . . . . . . . . . . . . . . . . .       (270,754)       (151,701)
   Increase in loans held for sale . . . . . . . . . . . . . . . . . . . . .     (1,140,766)              -
   Increase in other current assets. . . . . . . . . . . . . . . . . . . . .          4,477        (630,819)
   Increase in due from employees. . . . . . . . . . . . . . . . . . . . . .        (39,250)              -
   Decrease in accounts payable. . . . . . . . . . . . . . . . . . . . . . .       (221,116)         14,558
   Increase in commissions payable . . . . . . . . . . . . . . . . . . . . .        610,761         447,237
   (Decrease) increase in accrued liabilities. . . . . . . . . . . . . . . .        (39,539)        773,954
                                                                              --------------  --------------

 Net cash provided by (used in) operating activities . . . . . . . . . . . .       (776,520)       (399,685)
                                                                              --------------  --------------

Cash flows from investing activities:
 Decrease in other assets. . . . . . . . . . . . . . . . . . . . . . . . . .         11,307          13,435
 Acquisitions of property and equipment. . . . . . . . . . . . . . . . . . .        (22,957)        (11,991)
 Marketable securities . . . . . . . . . . . . . . . . . . . . . . . . . . .              -          21,800
                                                                              --------------  --------------

 Net cash provided by (used in) investing activities . . . . . . . . . . . .        (11,650)         23,244
                                                                              --------------  --------------

Cash flows from financing activities:
 Payments on notes payable to related parties, net . . . . . . . . . . . . .       (150,000)     (1,236,536)
 Proceeds from issuance of bridge loan . . . . . . . . . . . . . . . . . . .        225,000               -
 Payments on capital lease obligations . . . . . . . . . . . . . . . . . . .        (35,800)              -
 Advances from warehouse line of credit. . . . . . . . . . . . . . . . . . .      1,135,145         149,826
 Proceeds from private placement . . . . . . . . . . . . . . . . . . . . . .        163,874       1,699,973
 Dividends paid on A-preferred stock . . . . . . . . . . . . . . . . . . . .         (3,630)              -
 Repurchase of A-preferred Stock . . . . . . . . . . . . . . . . . . . . . .         (5,650)              -
                                                                              --------------  --------------

 Net cash provided by financing activities . . . . . . . . . . . . . . . . .      1,328,939         613,263
                                                                              --------------  --------------

See accompanying notes
</TABLE>


                                        6
<PAGE>

                               ANZA CAPITAL, INC.
                   (FORMERLY E-NET FINANCIAL.COM CORPORATION)
                                AND SUBSIDIARIES
           CONSOLIDATED  STATEMENTS  OF  CASH  FLOWS  (CONTINUED)


<TABLE>
<CAPTION>


<S>                                                                                       <C>        <C>


Net increase in cash . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    540,769   236,822
Cash at beginning of period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     92,886   285,583
                                                                                          ---------  --------

Cash at end of period. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $ 633,655  $522,405
                                                                                          =========  ========

Non - cash financing activities:

 Debt reduction through the issuance of common stock . . . . . . . . . . . . . . . . . .  $ 801,675         -
                                                                                          =========  ========

 Warrants issued for bridge-loan issue costs . . . . . . . . . . . . . . . . . . . . . .  $ 321,428         -
                                                                                          =========  ========

Conversion of C-preferred to common stock  . . . . . . . . . . . . . . . . . . . . . . .  $ 575,688         -
                                                                                          =========  ========

 Supplemental cash flow information:

 Cash paid for interest and income taxes was not significant during the periods presented

See accompanying notes
</TABLE>

                                        7
<PAGE>

                      NOTES TO INTERIM FINANCIAL STATEMENTS

NOTE  1.   UNAUDITED  INTERIM  FINANCIAL  STATEMENTS

The interim financial data as of January 31, 2002, for the three and nine months
ended  January  31,  2002  and  2001  are  unaudited; however, in the opinion of
management,  the  interim  data  includes  all adjustments, consisting of normal
recurring  adjustments,  necessary  to present fairly the Company's consolidated
financial  position  as of January 31, 2002, and the results of their operations
and  their  cash  flows for the three and nine months ended January 31, 2002 and
2001. The results of operations are not necessarily indicative of the operations
which  may  result  for the year ending April 30, 2002.  Also, in the opinion of
management,  all  disclosures  required on Form 10-QSB were fully furnished with
exception  of  the  per  segment  information required by Statement of Financial
Accounting  Standards  No.  131  (SFAS  131),  "Disclosures about Segments of an
Enterprise and Related Information" issued by the Financial Accounting Standards
Board  (FASB.)  Management  omitted  this information since this information was
not  readily  available  and  American  Residential Funding, Inc. ("AMRES") loan
brokering  business  represents  approximately 97% of the company's revenues and
related  expenses.  However,  management  determined  that  the omission of this
information  is  insignificant  to  the  overall  presentation  of the Company's
financial  position  and  will  provide  this  information  only  in  the annual
financial  report  in  the  Company's  Form  10-KSB.

Reclassifications

Certain prior year  amounts  have  been  reclassified  for comparative purposes.
These reclassifications have no effect on net income.

NOTE  2.   IMPACT  OF  RECENTLY  ISSUED  ACCOUNTING  STATEMENTS

In  July  2001,  the  FASB  issued Statement No. 141, Business Combinations, and
Statement  No.  142,  Goodwill and Other Tangible Assets. Statement 141 requires
that  the  purchase  method  of accounting be used for all business combinations
initiated  after  June  30,  2001,  as  well  as  all  purchase  method business
combinations  completed  after  June  30,  2001.  Statement  141  also specifies
criteria  intangible  assets  acquired in a purchase method business combination
must  meet  to  be  recognized and reported apart from goodwill, noting that all
purchase  price  allocable  to  an  assembled workforce may not be accounted for
separately.  Statement 142 will require that goodwill and intangible assets with
indefinite  useful  lives  no  longer  be  amortized,  but instead be tested for
impairment at least annually in accordance with the provisions of Statement 142.
Statement  142  also requires that intangible assets with estimable useful lives
be  amortized  over  their  respective estimated useful lives to their estimated
residual  values,  and  reviewed for impairment in accordance with FAS Statement
No.  121,  Accounting for the Impairment of Long-Lived Assets and for Long-Lived
Assets  to  be  Disposed  Of. The Company is required to adopt the provisions of
Statement 141 immediately, except with regard to business combinations initiated
prior to July 1, 2001, and to adopt Statement 142 effective with the fiscal year
beginning  May  1,  2002.

The  Company  meets  the  criteria  for early adoption of Statement 142, and has
elected early adoption of the statement during the first quarter of 2001 with no
material  effect  on the Company's financial condition and results of operations
based  on the requirements of Statement 142.  See Note 3 for further discussion.

In  July  2001,  the  FASB  issued SFAS No. 143, Accounting for Asset Retirement
Obligations.  This  statement  provides  accounting  and reporting standards for
costs  associated  with  the  retirement  of  long-lived  assets. This statement
requires  entities  to  record  the  fair  value  of  a  liability  for an asset
retirement  obligation in the period in which it is incurred. When the liability
is  initially recorded, the entity capitalizes a cost by increasing the carrying
amount  of the related long-lived asset. Over time, the liability is accreted to
its  present value each period, and the capitalized cost is depreciated over the
useful  life  of  the related asset. Upon settlement of the liability, an entity
either  settles  the obligation for its recorded amount or incurs a gain or loss
upon  settlement.  The Company will be required to adopt this statement no later
than  January  1,  2003.  The  Company is currently assessing the impact of this
statement  on  its  results  of  operations,  financial position and cash flows.

                                        8
<PAGE>

In  October 2001, the FASB issued SFAS No. 144, Accounting for the Impairment or
Disposal  of Long-Lived Assets. This statement replaces SFAS No. 121, Accounting
for the Impairment of Long-Lived Assets and for Long-Lived Assets to Be Disposed
Of.  However  it  retains  the  fundamental  provisions  of  SFAS  No.  121  for
recognition  and  measurement  of the impairment of long-lived assets to be held
and  used  and  for  measurement of long-lived assets to be disposed of by sale.
This  statement  applies  to  all  long-lived  assets,  including  discontinued
operations, and replaces the provisions of APB Opinion No. 30, Reporting Results
of  Operations-Reporting the Effects of Disposal of a Segment of a Business, for
the  disposal  of  segments  of  a  business. This statement requires that those
long-lived assets be measured at the lower of carrying amount or fair value less
cost  to  sell,  whether  reported  in  continuing operations or in discontinued
operations.  The  Company will be required to adopt this statement no later than
January 1, 2002. The Company is currently assessing the impact of this statement
on  its  results  of  operations,  financial  position  and  cash  flows.

NOTE  3    GOODWILL

At  January  31,  2002,  the  Company  had  goodwill  attributable  to  acquired
businesses  as  follows:

<TABLE>
<CAPTION>


<S>      <C>          <C>                                         <C>

         Goodwill     Accumulated Amortization and Impairments    Net
         -----------  ------------------------------------------  ---------
Titus .  $ 1,600,000  $                              (1,350,000)  $ 250,000
Expidoc      210,292                                    (35,045)    175,247
         -----------  ------------------------------------------  ---------

         $ 1,810,292  $                              (1,385,045)  $ 425,247
         ===========  ==========================================  =========
</TABLE>

ADOPTION  OF  STATEMENT  142

The Company has elected early adoption of SFAS No.142.  Accordingly, the Company
has  stopped  amortization of goodwill effective May 1, 2001.  However, goodwill
amortization  continues  to  be  presented  in  the  three and nine months ended
January  31,  2001,  statement  of  operations.  Had  the  provision of SFAS No.
142  been  applied  for  the  three  and nine months ended January 31, 2001, the
Company's  net income (loss) and  net income (loss) per share would have been as
follows:

                                        9
<PAGE>

<TABLE>
<CAPTION>

<S>                                      <C>
                                         FOR  THE  THREE  MONTHS  ENDED             FOR  THE  NINE MONTHS  ENDED
                                                  January  31,                                 January  31,
                                          2002                      2001             2002                    2001
                                          _______________________________________________________________________


Reported  net  income  (loss)              15,768            (3,034,228)             (581,979)         (4,543,282)


Add  back:  Goodwill  amortization.             -                64,654                     -             475,775
                                        ------------         ------------           -----------        -----------

Adjusted  net  income  (loss)              15,768            (2,969,574)             (581,979)         (4,067,507)
                                        ============         ============           ===========        ============

Basic  earnings  per  share:
Reported  net  income  (loss)                   -                 (0.14)                (0.02)              (0.22)
                                        ============         ============           ===========        ============
Goodwill  amortization                         -                     -                      -                0.02
                                        ============         ============           ===========        ============
Adjusted  net  income                           -                 (0.14)                (0.02)              (0.19)
                                        ============         ============           ===========        ============

</TABLE>

                                       10
<PAGE>

There  was  no  goodwill  amortization  recognized  in  the first nine months of
fiscal  2002  and,  as  of January 31, 2002, net goodwill was $250,000 for Titus
Real  Estate, Inc., and $175,247 for Expidoc.Com, Inc.  The net goodwill balance
as of January 31, 2002 remains unchanged from the April 30, 2001, balance. There
were  no  intangible  assets  recorded  for  the  Company  as  of  January  31,
2002.

Management  assessed the value of Titus during the fourth quarter of fiscal year
2001  based  on  a  liquidation  or  residual  value of the enterprise, and they
recorded  an impairment at that time.  In contemplating the adoption of SFAS No.
142,  management assessed the intangible assets of Expidoc.  At May 1, 2001, the
date  of  adoption,  management  believed  that  the primary intangible asset of
Expidoc  was  goodwill.  Because  of  the relative immateriality of the carrying
value  of the Expidoc goodwill, management did not believe that an appraisal was
necessary  to  determine  what amount, if any, should be allocated to intangible
assets with definite lives.  Management believes the enterprise value of Expidoc
exceeds  the  carrying  value  of  goodwill.

NOTE  4    WAREHOUSE  LINE  OF  CREDIT

     The  Company  maintains  a $2,000,000 warehousing line of credit which will
mature  March  31, 2002. The agreement is personally guaranteed by the Company's
chief  executive  officer. The credit agreement calls for various ratios and net
worth  requirements,  minimum utilization requirements, and limits the warehouse
period  to  45  days  for any specific loan. The interest rate as of January 31,
2002,  was  6.25%  per  annum  calculated  on the daily outstanding balance. The
adjustable  interest  rate is based upon a published prime rate plus 1.5% and is
payable monthly. The line of credit is collateralized by the loans held for sale
as  referenced  above.

NOTE  5     GLOBAL  SETTLEMENT

As  part  of  the acquisition of AMRES, Anza was obligated to file and prosecute
until  completion  a  registration  statement  with  the Securities and Exchange
Commission for the purpose of registering 7,500,000 shares of e-Net common stock
issued  to  EMB.  Additionally,  Anza was obligated to pay the sum of $4,000,000
under  the  terms  of  a  promissory  note  issued  to EMB, of which $1,215,856,
including  interest,  was  outstanding  at  the  settlement  date.

     In an unrelated transaction, Williams de Broe loaned the sum of $700,000 to
EMB,  which remained unpaid at the time of the Global Settlement.  In connection
with  a  revision of the agreement between EMB and Williams de Broe ("WdB"), the
then-chairman  of  Anza  executed  a document on behalf of Anza in favor of WdB,
which WdB believed acted as a guarantee of EMB's obligation.  Anza disputed this
assertion.

     In  order to settle the outstanding disputes among all the parties, on June
26,  2001,  Anza entered into a settlement agreement with EMB Corporation, AMRES
Holding  LLC,  Vincent Rinehart, and Williams de Broe (the "Global Settlement").
As  part  of  the  Global  Settlement:

     (i)     Anza  issued  to EMB 1,500,000 shares of restricted common stock as
consideration  for  EMB's waiver of its registration rights for 7,500,000 shares
of  Anza  common stock already held by EMB.  The shares were valued at $0.14 per
share  based  on  a  10%  discount  from  the  closing  price on the date of the
agreement.  The Company will record a settlement expense of $229,500 with regard
to  this issuance.  Anza issued to EMB a promissory note in the principal amount
of  $103,404,  which  represents  the  reduced amount due to EMB by Anza under a
promissory  note  previously  issued  in  connection with the AMRES acquisition,
after  giving  effect to a principal reduction offset for amounts owed by EMB to
WdB,  but  which  were  satisfied  by  Anza  and  a note issued by Anza to AMRES
Holdings,  LLC to settle an acquisition obligation of EMB (see below).  The note
bears interest at the rate of 10% per annum and is convertible into common stock
of  Anza.  See  Note  10  for  further  discussions  of  this  note.

                                       11
<PAGE>

     (ii)    Anza  issued  to  Williams  de  Broe  ("WdB")  3,000,000 shares  of
restricted common stock valued at $459,000 as consideration for WdB's release of
all  claims  against  Anza  arising  under  the  purported  guarantee  of  EMB's
obligation  to  WdB  by Anza.  The parties agreed that the amount be credited as
additional  consideration  to  apply  to  the  EMB  notes  payable.

     (iii)   EMB  acknowledges  its  obligations  to  pay all outstanding leases
covering  equipment  and/or  furniture  now  in  the  possession  of  Anza  as
contemplated  by  the  agreement.

     (iv)    EMB  assigned  its  rights  of  a  portion  of  Anza's note payable
totaling  $485,446  to  AMRES Holdings LLC, owned by Vincent Rinehart.  The note
bears interest at 10% per annum.  This note is convertible into shares of common
stock  based  on  80%  of the closing stock price on the date of the conversion.
The  Company  assigned  a  value  of  approximately  $54,000  to  the beneficial
conversion  feature  imbedded  in  this  note.  The  entire  principal  balance,
together  with  accrued interest, shall be due and payable, in full, on December
15,  2002.

     (v)     EMB forgave  principal and interest totaling $168,006.  The balance
of  $103,404  convertible  notes  was issued, bearing interest at 10% per annum.
The  note had a mandatory conversion into the Company's common stock on December
15,  2001,  which  was  cancelled  (see  Note  10).

The  following  reflects  the  reduction  of the note payable to EMB as follows:

     Note  payable                                    $1,055,000
     Accrued  interest                                   160,856
                                                     -------------
     Total  due  EMB  prior  to  settlement            1,215,856
     Less:
          Value  of  3,000,000  shares  to  WdB         (459,000)
          Payable  to  AMRES  Holdings,  LLC            (485,446)
          Debt  and  interest  relief                   (168,006)
                                                     -------------
          Balance  due  EMB  after  settlement        $  103,404
                                                        =========

The  following  reflects  the non-recurring charge to operations associated with
the  Global  Settlement:

Value  of  1,500,000  shares  to  EMB                 $  229,500
Debt  and  interest  relief                             (168,006)
                                                       -----------
  Total  non-recurring  loss                          $   61,494
                                                         =========
                                       12
<PAGE>

NOTE  6    BRIDGE  FINANCING

     On  June  27,  2001,  the  Company entered into an Investment Agreement and
related  documents  with  Laguna  Pacific Partners, LLP.  Under the terms of the
agreements,  in  exchange  for  $225,000  received  by  the  Company from Laguna
Pacific,  the  Company

     (i)     executed  a  promissory  note  in  favor  of  Laguna Pacific in the
principal sum of $225,000, bearing interest at the rate of 7% per annum, secured
by  all  of the assets of the Company, and payable on the earlier of nine months
from  its  issuance date or the date the Company's common stock is listed on the
NASDAQ Small Cap market. The purpose of this bridge financing was to finance the
proposed  start-up  of  Anza  Properties  and  to provide working capital to the
Company,  and

     (ii)    executed  a  warrant  agreement  which  entitled  Laguna Pacific to
acquire  up to $225,000 worth of e-Net common stock for the total purchase price
of  $1.00,  calculated at 70% of the closing stock price on the date immediately
preceding  the exercise date. The issuance of the warrant was negotiated between
Laguna  Pacific  and  Anza.  The  Company  is  required to allocate the proceeds
received  to  the  value the warrant and the bridge loan using the relative fair
value  method  and  resulting  warrant  value  is  reflected  as  an increase in
additional  paid-in capital and a corresponding reduction (discount) to the face
value  of  the  note. Management established the fair value based on $225,000 in
common  stock,  divided by the discount to market of 30% which the holder of the
warrants receive when purchasing the shares of common stock for a computed value
of  $321,428.  The  relative value of the warrant amounted to $132,345, and such
amount  is reflected as a discount to the note. The discount on the note will be
amortized  over  the  term  of  the  note  (March  27, 2002) using the effective
interest  method.

     Other  than as set forth above, there is no affiliation between the Company
and  Laguna  Pacific  or any of their respective officers or directors; however,
Mr.  Ehrlich  was  the  general  partner  of  Laguna  Pacific.

                                       13
<PAGE>

FORMATION  OF  ANZA  PROPERTIES,  INC.

     Also  on  June  27,  2001,  in  transactions related to the agreements with
Laguna  Pacific,  the Company formed a wholly-owned subsidiary, Anza Properties,
Inc., a Nevada corporation ("Anza Properties") capitalized with $75,000 from the
proceeds  of  the  bridge  loan.  The  Company:

     (i)    executed a bond term sheet with Anza outlining the proposed terms of
an  offering  to  raise  up  to  $5,000,000. The purpose of this offering was to
obtain  capital  on  behalf  of Anza Properties to acquire income producing real
estate.  The  offer  was  terminated  in  March  2002.

     (ii)   entered  into  an  employment  agreement  with  Thomas  Ehrlich.  In
March  2002, Thomas Ehrlich died and management has no intention to replace him.
The  employment agreement provided for a salary of $20,000 per month and options
to  acquire  up to 2,000,000 shares of Anza common stock at the closing price on
the  date  of the Option Agreement, vesting equally over the 12 months following
the  date  of  the  Employment Agreement, and exercisable only in the event Anza
Properties  was  successful in raising a minimum of $2,000,000 in a contemplated
$5,000,000  bond  offering.  The  options  were  effectively  cancelled.  No
compensation  expense  was  recorded  since  the  contingency  was  not  met.

                                       14
<PAGE>

     (iii)   entered  into  a  Consulting  Agreement  with  Lawrenc e W. Horwitz
to  provide  legal  services  to  Anza.  The  Consulting  Agreement provides for
compensation  of  $20,000  to  be  paid on its date of execution, and $5,000 per
month  for  eight  months  beginning  September  1, 2001, guaranteed by Anza. In
addition,  Anza  executed  a  Stock  Option  Agreement which entitled Horwitz to
acquire  up to 1,000,000 shares of Anza common stock on terms identical to those
of  Ehrlich,  described  above.  The  options  are  subject  to an anti-dilution
provision  in  the  event of future issuances of common stock or a reverse stock
split.  The  holder  in  no  event can the option holder own more than 5% of the
issued  and  outstanding common stock in the event of a reverse stock split. The
Company  will  assess  the  value  of  these  options when the contingencies are
removed  in  accordance  with  SFAS  No.  123.

     (iv)    entered into  an  Operating  Agreement  with  Anza  concerning  the
operations  of  Anza  Properties,  Inc.  The  Operating  Agreement  specifies in
material part that Vince Rinehart will be the President of Anza Properties, that
Mr.  Rinehart and Mr. Ehrlich will be the directors, that the signatures of both
Mr. Rinehart and Mr. Ehrlich will be required on all checking accounts, and that
the  assets  of Anza Properties cannot be encumbered without the express written
consent  of  Mr.  Rinehart  and  Mr.  Ehrlich.

     The  purpose  of  Anza Properties was primarily to improve the net worth of
e-Net by acquiring income producing real estate.  Due to the death of Mr. Thomas
Ehrlich  in  March 2002, all operational and fundraising efforts associated with
Anza  Properties  have  been  permanently  discontinued.

NOTE  7.   STOCKHOLDERS'  EQUITY  (DEFICIT)

From  time  to time, the Company's board of directors authorizes the issuance of
common  stock.  The  Company  values shares of common stock based on the closing
price of the securities on the date the directors approve such issuance.  In the
event  the  Company  issues common stock subject to transferability restrictions
under  Rule  144  of the Exchange Act of 1933, the Company discounts the closing
prices  by  10%  to  value  its  common  stock  transactions.

SERIES  C  CONVERTIBLE  PREFERRED  STOCK

On  June  14,  2001,  Class  C Preferred stockholders exercised their option and
converted  1,616  shares  of  Class  C  Preferred  stock  into  3,741,671 of the
Company's  restricted  common stock.  On July 13, 2001, an additional 400 shares
of  the  Class  C  were converted at the option of the shareholders into 924,992
shares of the Company's restricted common stock.  Also, on November 15, 2001, an
additional  525 shares of Class were converted at the option of the shareholders
into  1,012,854  shares of the Company's restricted common stock.  The number of
shares  received upon conversion was determined based on the conversion discount
specified in the agreement of 20%, taking into account the dividends, which were
due on the Class C Preferred shares.  The beneficial conversion feature embedded
in  the  Class  C  Preferred was originally charged to the Company's accumulated
deficit  at the date of issuance since the right to convert into common stock at
a discount was the same date.  Preferred dividends totaling $27,341 were charged
to  the  Company's  accumulated deficit during the nine months ended January 31,
2002.

SERIES  A  CONVERTIBLE  PREFERRED  STOCK

In  November  2001  and January 2002, the Company issued an aggregate of 400,000
shares of Series A Convertible Preferred Stock, (the "A Preferred") in a private
placement  for  consideration  equal to $163,874 in cash.  The A Preferred has a
liquidation  value  of $200,000 and the holder is entitled to receive cumulative
dividends  at  an  annual  rate  of  12%,  payable  monthly.  The A Preferred is
convertible,  at  any  time  at  the  option  of  the holder, into shares of the
Company's  common  stock at a price equal to 90% of the closing bid price of the
Company's common stock in the previous trading day preceding the conversion.  In
connection  with  this  issuance,  the  Company  recorded a charge of $36,126 to
accumulated  deficit  for  the difference between the consideration received and
the  liquidation  value.  See  Note  12  for  additional  Series  A  Convertible
Preferred  Stock  issuances  subsequent  to  January  31,  2002.

                                       15
<PAGE>

COMMON  STOCK

In  June  of  2001,  the  Company issued 400,000 shares of its restricted common
stock  both as payment of a $14,482 liability due an outside consultant and as a
"buy-out"  of  the  remaining  guaranteed  contract  for this consultant who was
providing  legal  services to the Company.  In connection with this transaction,
the  Company  charged operations $43,118 for the difference between the carrying
value  of  the  liability  and  the  value  of  the  common  stock.

On  July  2,  2001,  the  Company issued 325,000 shares of its restricted common
stock  valued  at  $55,575  as  a  partial satisfaction of a loan payable due an
unrelated  party.  The  original  amount of the loan, including interest payable
was  $150,000.  The  Company  continues to repay the note in monthly of payments
together  with  interest  at  0% per annum of $4,320 through May 2, 2002.  As of
January  31,  2002,  $30,040  remained  due  on  the  loan.

At  various  dates from May 1, 2001 through January 31, 2002, the Company issued
3,750,000  shares  of  common  stock,  valued at $558,050 to various consultants
which  are  included  in general and administrative expenses in the accompanying
statements  of  operations.  Consulting  services performed during the three and
nine  months  ended  January  31,  2002,  are  summarized  below:

<TABLE>
<CAPTION>


<S>                                         <C>                              <C>      <C>           <C>
                                                                 Period Ending January 31, 2002
                                            --------------------------------------------------------------
                                                 Three Months                           Nine Months
                                            --------------------------------------------------------------
                                            Costs               Shares               Costs         Shares
                                            --------------------------------------------------------------
                                            Incurred            Issued               Incurred      Issued

Financial and Internal Accounting Services  $   3,500           25,000           $     79,250      475,000

Mergers Acquisitions Consulting. . . . . .      8,100          100,000                250,100    1,675,000

Bravorealty Start-up Costs . . . . . . . .     12,500          100,000                173,500    1,200,000

Information Technology Consulting. . . . .          -                -                 14,000      100,000

Legal Services . . . . . . . . . . . . . .      2,750           25,000                 41,200      300,000
                                            --------------------------------------------------------------

Total. . . . . . . . . . . . . . . . . . .  $  26,850          250,000           $    558,050    3,750,000
                                            ==========        ==========            ===========  =========
</TABLE>


Refer  to  Notes  5 and 6 for discussion of transactions affecting stockholders'
equity  (deficit).

                                       16
<PAGE>

NOTE  8    EMPLOYMENT  AGREEMENT

On  June  1, 2001, the Company entered into an Employment Agreement with Vincent
Rinehart.  Under  the  terms  of  the  agreement,  the  Company is to pay to Mr.
Rinehart  a  salary equal to $275,000 per year, subject to an annual increase of
10% commencing January 1, 2002, plus an automobile allowance of $1,200 per month
and  other  benefits,  including life insurance.  The agreement is for a term of
five  years  and  provides for a severance payment in the amount of $500,000 and
immediate vesting of all stock options in the event his employment is terminated
for  any  reason,  including cause.  Mr. Rinehart was granted options to acquire
2,500,000  shares  of  e-Net common stock at per share, which shall vest monthly
over  a  three-  year  period.  The  options  are  subject  to  an anti-dilution
provision  in  the  event of future issuances of common stock or a reverse stock
split.  The  holder  in  no  event  can  own  more  than  20%  of the issued and
outstanding  common stock in the event of a reverse stock split. The options are
exercisable  at  the  fair  market  value  at the date of the grant of $0.08 per
share.  Using the variable method in accordance with Accounting Principles Board
Opinion  No.  25,  no  expense  was recognized from the issuance of the options.

NOTE  9    INVESTMENT  BANKING  AGREEMENT

On May 27, 1999, the Company entered into an agreement with an investment banker
to  seek  debt  financing  through public or private offerings or debt or equity
securities and in seeking merger and acquisition candidates.  Per the agreement,
the  Company granted the investment banker options to purchase 200,000 shares of
the  Company's  common  stock at an exercise price of $0.13, expiring on May 31,
2001.  Additionally,  the  Company  was  required to pay $60,000 for the initial
twelve  months.  In addition, the agreement specified that the investment banker
will  receive  a  percentage of consideration received in a merger, acquisition,
joint  venture, debt or lease placement and similar transactions through May 31,
2001.  The  Company  valued these options using the Black Scholes model at $3.14
per  share  for  total  consulting  expenses  of  $627,200 and amortized such an
expense  over  the course of the contract.  As of July 31, 2001, entire value of
this contract had been amortized. In April 2000, the parties agreed to amend the
agreement  to  eliminate the fee based on a percentage of the consideration of a
transaction,  and  to  grant  the investment banker 200,000 shares of the Common
Stock  and  to cancel the options to purchase 200,000 shares. On August 7, 2001,
the  Company  agreed  to  settle  a  dispute  over the terms of the amendment by
canceling  the  200,000  shares  in  exchange  for  1,500,000  of  the Company's
restricted  common stock.  The Company valued the additional 1,300,000 shares at
$0.17  each and charged operations a total of $221,000 for non-recurring loss on
settlement.

NOTE  10   EXTRAORDINARY  ITEM

SFAS  No.  4 "Reporting Gains and Losses from Extinguishment of Debt", specifies
that  material  debt  extinguishment  gains  and  losses  be  classified  as
extraordinary  items. During the nine months ended January 31, 2002, the Company
had  capital  lease  obligations  in  default totaling $91,985 that were settled
for  $35,800.  The  remaining  balance  was  recognized  as  an  extraordinary
gain  of  $56,185.  The  Company  used  cash  from  operations  to satisfy these
settlements.

On January 17, 2002, AMRES purchased a note payable by the Company in the amount
of  $103,404  and accrued interest totaling $6,291 for consideration of $40,000,
of  which $25,000 was tendered to EMB with the balance of $15,000 due on June 1,
2002.  In  the  consolidation  the  note  payable  is eliminated and the Company
recognizes  extraordinary  income  of  $69,695  from  forgiveness  of debt.  The
Company  used  cash  from  operations  to  satisfy  these  settlements.

                                       17
<PAGE>

NOTE  11   EARNINGS  PER  SHARE

Anti-dilutive  securities  which are not included in the calculation of dilutive
earnings  per  share for the three and nine months ended January 31, 2002, which
could  be  dilutive  in  future periods include the C-preferred convertible into
approximately  24,195,000  shares  of common stock, A-preferred convertible into
approximately  2,699,000  shares  of common stock, note payable to related party
convertible  into approximately 4,018,000 shares of common stock.  Also excluded
from  the  calculation  of dilutive earnings per share were warrants to purchase
1,040,241  shares of common stock that range between $0.08 and $6.73 in exercise
price  which  exceeded  the  Company's  stock  price  on  January  31,  2002.

NOTE  12   SUBSEQUENT  EVENTS

On  March  1, 2002, the Company issued 100,000 shares of A Preferred for $50,000
in  a private placement.  The A Preferred has a liquidation value of $50,000 and
the holder is entitled to receive cumulative dividends at an annual rate of 12%,
payable  monthly.  The  A Preferred is convertible, at any time at the option of
the holder, into shares of the Company's common stock at a price equal to 90% of
the  closing bid price of the Company's common stock in the previous trading day
preceding  the  conversion.

On  March  1,  2002,  the  board of directors approved the issuance of 1,800,000
shares  of  the  Company's  registered  common  stock  under an S-8 registration
statement  to various consultants for various services.  The Company will charge
operations a total of $90,000 in connection with this issuance during the fourth
quarter  of  fiscal  2002.

                                       18
<PAGE>

ITEM  2    MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATION OVERVIEW

     The  Company  is  an  independent financial services company, whose primary
source  of  revenue  is  American  Residential  Funding  "AMRES", a wholly owned
subsidiary.  AMRES  offers loan originators a "net-branch" opportunity, in which
AMRES  provides  licensing,  accounting  and lender approvals in over 40 states.
They  maintain a web site, www.amres.net, which contains detailed information on
                           -------------
AMRES,  as  well  as  provides  Net  Branches  with  various corporate services.
Currently  over  300  net-branches nationwide are operating, in addition to four
Corporate  owned  branches  in  4 counties in Southern California. Further rapid
growth  is  anticipated,  both  from commissioned and corporate marketing staff.
Loan  processing,  mortgage  banking  and  acquisitions  will provide additional
revenues  sources.

     The  Company  has  seen  improvement  in  other  subsidiaries  as  well.

     Expidoc.com  averaged, during the three months ending January 31, 2002, 275
loan  document  signings  a  month  through  their network of notaries in all 50
states.  Expidoc  was  profitable  for  the  first time during the quarter ended
January 31, 2002.  By adding staff, and implementing a new marketing initiative,
Expidoc  should  continue  to  improve  its  operations  and  maintain near term
profitability.  Business  is  expected  to  increase  over  the  4th  quarter as
Expidoc.com  has  become  a  preferred  signer for Ditech.com and with increased
confidence  the  number  of  orders  continue  to  increase  monthly.

     BravoRealty  (69%  owned subsidiary) has established joint venture branches
in four locations.  In addition, BravoRealty has initiated a net branch of AMRES
inside  Bravo,  and  has  experienced  an  increase  in revenues from home loans
brokered.  Bravorealty  has  established the documentation, licensing, marketing
materials and operations to sell "Bravo Real Estate Network" franchises.  Former
officers  of  Century  21 have been acting as advisors to Bravorealty. The final
franchise offering circular has been reviewed by management with the prospect of
filing  the  document with the state during the 4th quarter of this fiscal year.
Management  expects  the  franchise concept will develop an additional 5 outlets
within  the  next  2  quarters.  Due  to  these  start-up costs, BravoRealty had
incurred  an  operating  loss  for  the  current  quarter.

     Titus  Real  Estate,  LLC,  operates  as  the manager of Titus REIT, a real
estate  investment  trust.  Current  shareholders of the REIT have requested the
selling of assets in order to return their original investment.  To date, six of
ten properties have been sold, and the final two properties are on the market to
be  sold. It is the intent of the management of the Company to repay its initial
investors,  operate  the REIT at minimal levels, and raise new capital for Titus
REIT  when  the market permits, although no estimate can be made as to when that
might  be.  The Company believes the long term benefits of a REIT compliment the
Company's  business  plan.  Titus Real Estate, LLC, has incurred small operating
losses  during  the  current  quarter.

Results  of  Operations

     For  the  three  and nine month periods ended January 31, 2002, the Company
reported  a net gain  of $15,768 and a net loss of ($581,979) respectively.  For
both  periods,  the  Company had significant non-cash expenses relating to stock
issued  to consultants and amortization of warrants issued as part of the bridge
loan  financing.  In  addition,  the  tragedy of Sept. 11 virtually stopped loan
production  for  a week, significantly reducing income for that period. As these
costs  are  expected  to  reduce in future periods, the Company remains positive
about  its  ability  to  obtain  profitability  in  the  near  future.

                                       19
<PAGE>

Three  Months  Ended January 31, 2002 Compared To The Three Months Ended January
31,  2001

REVENUES

     Revenues  increased  to  $6,644,696  for the three months ended January 31,
2002,  compared  to $2,553,804 for the three months ended January 31, 2001.  The
growth  in  revenues  is  primarily  attributable to the expansion and growth of
AMRES  through  the brokering of loans.  AMRES accounted for greater than 96% of
consolidated  revenues  for  both  periods.  AMRES,  as did most of the mortgage
industry,  benefited  greatly  from  the decline in interest rates over the last
several  months.  Typically,  as interest rates fall, the refinance market heats
up  expanding  the market of interested borrowers beyond those borrowing for the
purchase of their primary residence. AMRES benefited from this market upturn, as
they  had  the capacity in terms of people and infrastructure to accommodate the
additional  business.

     More  significantly,  the growth of the net branch program at AMRES was the
major contributor to the growth in revenue.  AMRES' net branch program comprised
approximately  300  branches  as  of  January 31, 2002, compared to less than 80
branches  as  of  January  31,  2001. As the added support and sales staff takes
effect,  the  Net  Branch program is expected to continue to be a primary growth
vehicle  for  the  Company  in  the  future.  In  addition, the mortgage banking
division  of  AMRES  is expected to continue its expansion over the next several
months,  including  applying  to  FannieMae  as  a  seller/servicer.

     Revenues  for  Expidoc  increased  substantially  to  $83,065 for the three
months  ended  January  31,  2002  compared to $9,077 for the three months ended
January  31, 2001.  The increase is primarily a result of Expidoc refocusing its
market strategy to secure higher volume customers as compared to many low-volume
customers.  This  change in focus is evidenced by the addition of such customers
as  Ditech.com.

     BravoRealty became operational in January 2001.  For the three months ended
January  31  2002,  total  revenues  amounted  to  $56,922.  These revenues were
generated  based  on  approximately  18 closed real estate purchase transactions
during  the quarter.  Management believes that Bravorealty will be a significant
growth  vehicle  for  the  Company  over the next 12 months, as evidenced by the
steady  increase  in  the  number  of  real  estate  sales'  listings and closed
transactions  generated  by  Bravorealty  so  far  this  fiscal  year.  With the
continued growth pattern and the addition of 4 corporate real estate offices and
12  additional  sales  staff,  the  prospect for profitability within the next 2
quarters  is  obtainable.

     Revenues  from  Titus  were  not  material  for  the  periods  presented.

Gross  Profit

     Commissions are paid to loan agents on funded loans.  Commissions increased
by $1,295,170 or 58%, for the three months ended January 31, 2002, to $3,527,541
from  $2,232,371  for the three months ended January 31, 2001.  This increase is
primarily related to the increased revenues discussed above.  As a percentage of
revenue,  the  cost  of revenue decreased by 34%, to 53% compared to 87% for the
three months ended January 31, 2002 and the three months ended January 31, 2001,
respectively.  This  decrease  is  attributable  to  the  Company leveraging its
increased  revenues  as the Company earns a higher commission split (compared to
the  loan  agent)  once  certain  revenue  targets  are  reached.  Gross  profit
increased  by $3,085,012 or 960% for the three months ended January 31, 2002, to
$3,117,155  from  $321,433  for  the  three  months  ended  January  31,  2001.

                                       20
<PAGE>

General  and  Administrative  Expenses

     General and administrative expenses totaled $3,027,027 for the three months
ended  January  31,  2002,  compared  to  $964,225  for  the  three months ended
January  31,  2001.  This  increase of $2,062,802 can be primarily attributed to
the  business  growth of the operating subsidiaries, namely AMRES, as additional
personnel,  office  space  and other administrative costs are required to handle
the  expansion.  Effective  in the first quarter of fiscal 2001, the Company had
implemented significant cost reductions to reduce its administrative expenses at
its  corporate  offices.

     The  Company  has  elected early adoption of Statement 142 and as such, has
not  recorded  any  goodwill amortization for the three months ended January 31,
2002.  Goodwill  amortization relating to the Company's acquisitions of Expidoc,
Titus,  and LoanNet amounted to approximately $65,000 for the three months ended
January  31,  2001.

Consulting  Expenses

     To  date,  the  Company has funded a portion of its operating costs through
the  use  of  its  common  stock  paid to outside consultants.  During the three
months ended January 31, 2002, costs paid in the form of common stock to outside
consultants totaled approximately $76,850, representing 250,000 shares of common
stock.  For  the  three months ended January 31, 2001, costs paid in the form of
common stock issued to outside consultants totaled $538,823. The stock issued in
connection  with  BravoRealty  was reported as deferred compensation and $56,000
was  expensed during the three months ended January 31, 2002. Management expects
a  reduction  in  the  use  of  stock  for  this  purpose  in  the  future.

Interest  Expense

     Interest  expense was $72,851 for the three months ending January 31, 2002,
compared  to $38,073 for the three months ended January 31, 2001.  This increase
is  primarily  related  to the amortization of three month's interest expense in
the  amount  of  approximately  $48,000 related to options issued as part of the
bridge  loan  financing  with  Laguna  Pacific  Partners,  LLP.

Extraordinary  Item

     On  January  17, 2002, American Residential Funding, a subsidiary ("AMRES")
purchased  a  note  payable  by  the Company to a related party in the amount of
$103,404  and  accrued  interest totaling $6,291 for consideration of $40,000 of
which $25,000 was tendered.  In the consolidation the note payable is eliminated
and  the  Company recognizes extraordinary income of $69,695 from forgiveness of
debt.  The  Company  used  cash  from  operations  to satisfy these settlements.

Net  Income  (Loss)

     The  Company's  net income for the three months ending January 31, 2002 was
$15,768,  or  $-  per share compared to a net loss of $3,034,228, or $(0.14) per
share  for  the  three  months ended January 31, 2001. The Company believes that
with  its  continued  growth  in  revenues and its ability to leverage its fixed
costs against those revenues, it will be able to achieve profitability in future
quarters.

                                       21
<PAGE>

Nine Months Ended January 31, 2002 Compared To The Nine Months Ended January 31,
2001

REVENUES

     Revenues  increased  by  $10,513,502,  or 139%, to $18,050,248 for the nine
months  ended January 31, 2002, compared to $7,536,746 for the nine months ended
January 31, 2001.  This increase is again the result of the growth and expansion
of  AMRES,  primarily  the  Net  Branch  program.

     Revenues  for  Expidoc  increased  substantially  to  $255,992 for the nine
months  ended  January  31,  2002  compared to $42,727 for the nine months ended
January  31,  2001.  The  increase  in volume is a result of Expidoc adding such
names  as  Ditech.com  to  their  customer  list.

     BravoRealty  became operational in January 2001.  For the nine months ended
January  31  2002,  total  revenues  amounted  to $219,070.  These revenues were
generated  based  on  approximately  18 closed real estate purchase transactions
during  the  period.  Management believes that BravoRealty will be a significant
growth  vehicle  for  the  Company  over the next 12 months, as evidenced by the
steady  increase  in  the  number  of  real  estate  sales'  listings and closed
transactions  generated  by  BravoRealty  so  far  this  fiscal year.   With the
continued  growth pattern and the addition of 4 corporate realestate offices and
12  additional  sales  staff,  the  prospect for profitability within the next 2
quarters  is  obtainable.

     Revenues  from  Titus  were  not  material  for  the  periods  presented.

Gross  Profit

     Commissions are paid to loan agents on funded loans.  Commissions increased
by $4,861,720 or 87%, for the nine months ended January 31, 2002, to $10,458,042
from  $5,596,322  for the nine months ended January 31, 2001. The primary reason
for  the  increase in commissions is the increase in revenue as discussed above.
Proportionally,  total  commissions  as  a  percentage  of  revenue  decrease as
revenues increase due to the Company earning a higher commission split (compared
to  the  loan  agent)  once  certain  revenue  targets  are  meet.  Gross profit
increased  by  $5,651,782 or 291% for the nine months ended January 31, 2002, to
$7,592,206  from  $1,940,424  for  the  nine  months  ended  January  31,  2001.

General  and  Administrative  Expenses

     General  and administrative expenses totaled $7,349,788 for the nine months
ended January 31, 2002, compared to $3,141,204 for the nine months ended January
31, 2001.  The increase in general and administrative expense is a result of the
continued rapid growth and expansion of the operating subsidiaries.  The Company
does  expect  that  general  and  administrative  costs will begin to level out,
compared  to  the  growth  in  revenue, as the company continues to leverage its
fixed  costs.

     The  Company  has  elected early adoption of Statement 142 and as such, has
not  recorded  any  goodwill  amortization for the nine months ended January 31,
2002.  Goodwill  amortization relating to the Company's acquisitions of Expidoc,
Titus,  and LoanNet amounted to approximately $476,000 for the nine months ended
January  31,  2001.

                                       22
<PAGE>

Consulting  Expenses

     To  date,  the  Company has funded a portion of its operating costs through
the use of its common stock paid to outside consultants.  During the nine months
ended  January  31,  2002,  costs  paid  in  the form of common stock to outside
consultants  totaled  approximately  $604,000  representing  4,071,000 shares of
common  stock.  For  the  nine  months ended January 31, 2001, costs paid in the
form  of  common  stock  issued  to outside consultants totaled $1,469,543.  The
stock  issued  in  connection  with  Bravorealty  was  reported  as  deferred
compensation  and $162,000 was expensed during the nine months ended January 31,
2002

Interest  Expense

     Interest  expense  was $99,522 for the nine months ending January 31, 2002,
compared  to $146,821 for the nine months ended January 31, 2001.  This increase
is  primarily  related  to the amortization of seven month's interest expense in
the  amount  of  $94,000  related  to  options issued as part of the bridge loan
financing  with  Laguna  Pacific  Partners,  LLP.

Net  Losses

     The  Company's  net  losses for the nine months ending January 31, 2002 and
2001  were  $581,979, and $4,543,282, or $0.02 and $0.22 per share respectively.
During  the most recent nine-month period, the non-cash expense component of the
Company's  net  loss  was  significant.  For  the nine months ending January 31,
2002,  non-cash  expense  relating  to  common  stock issued to consultants, for
interest  and  for  non-recurring settlements amounted to $604,000, $116,875 and
$282,494,  respectively.  The Company believes that with its continued growth in
revenues  and its ability to leverage its fixed costs against those revenues, it
will  be  able  to  reduce  its  net  losses in the future, and possibly achieve
profitability.

LIQUIDITY  AND  CAPITAL  RESOURCES

Cash  Flows

     Net  cash  used  in  operating activities was $776,520 and $399,685 for the
nine  months ending January 31, 2002 and 2001, respectively.  Net loss decreased
significantly  between the periods to $581,979 for the period ending January 31,
2002,  compared  to  a  net loss of $4,543,282 for the period ending January 31,
2001.  Non-cash  expenses  relating  to  the  issuance  of  stock  for services,
depreciation  and  amortization  and  amortization  of  debt  discounts  totaled
$1,027,526  and  $3,690,368 for the nine months ended January 31, 2002 and 2001,
respectively.

     Net  cash  from investing activities was $(11,650) and $23,244 for the nine
months- ended January 31, 2002and 2000, respectively. There were no individually
significant sources or uses of funds from investing activities for either period
presented.

     Net  cash  provided by financing activities was $1,328,939 and $613,263 for
the  periods  ending  January  31,  2002 and January 31, 2001 respectively. Cash
provided by financing for the period ended January 31, 2001 relates primarily to
net proceeds received from private placements of the Company's stock, reduced by
payments  made  on  the Company's note payable to EMB corporation related to the
acquisition  of  AMRES.  Cash provided by financing for the period ended January
31, 2002 relates primarily to advances on the Company's warehouse line of credit
in  the amount of $1,135,145 associated with its mortgage banking operations and
to  the  proceeds  from  the  issuance of the bridge loan. The warehouse line of
credit  is  secured  by  first  and  second  trust  deed  mortgages.

                                       23
<PAGE>

     The  Company  generated cash flows from a bridge financing in the amount of
$225,000.  The Company was required to issue warrants to purchase 225,000 shares
of  common  stock  for  $1.00,  the  exercise  price  of which is based on a 30%
discount from the closing bid price on the date of exercise.  The total value of
the  warrants  amounted  to  $132,345  based  on  the relative fair value of the
warrants  to the proceeds from the financing. The value is treated as a discount
to the carrying value the debt which is being amortized over the nine-month term
of  the  note  using  the  effective interest method.  In March 2002, due to the
death  of  Thomas  Ehrlich,  Anza Capital, Inc. has abandoned its plans to raise
capital  for Anza Properties.  The Company plans to repay the note from proceeds
generated  by  the  sale  of  its  common  and/or  preferred  stock  in  private
placements.  In  the  event  the  capital  from  the  sale  of securities is not
received,  management intends to repay the note from cash on hand, or cash flows
generated  from  operations,  if  any.

     The Company significantly improved their financial position upon completing
a "Global Settlement" June 26, 2001. The Company substantially increased its net
worth  and  reduced  its  liability  to  EMB  from $1,215,856 to $103,404, after
issuing  a  convertible note to AMRES Holding LLC and issuing 4.5 million shares
of its common stock. The original obligation to EMB further required the Company
to pursue an S-1 registration that had become very time consuming of management,
and  costly  in  terms  of  cash,  which  has  now  been  withdrawn.

     The  Company  is  current  in servicing its obligations as they become due.
From time to time, the Company used its common stock to provide compensation for
outside  services  that  were  required.  It  is  the belief of management, that
beginning  the  first quarter 2003, little or no common stock will be issued for
services.

     The  Company's stockholders equity increased from a deficit of ($69,925) to
an equity of $184,000 primarily due to the issuance of common stock in relief of
debt.

     Management  is pleased with the current direction and financial improvement
of  the  Company.  The  operating  subsidiaries  are expanding in tough economic
times. AMRES and Expidoc.com are currently profitable. BravoRealty is performing
as  projected, requiring budgeted initial investment in capital prior to ramping
up  to  full operations, including anticipated selling of franchises. And Titus,
with  a  small  loss,  is  poised  for a round of new investors when the markets
permit.  The  cash  flow of the Company has markedly improved, with cash on hand
ending January 31, 2002 of $633,655 versus $522,405 the year earlier. Short-term
debt is manageable. A $43,000 note is being paid off in monthly payments through
May  of  2002,  with  approximately  $27,000  unpaid as of January 31, 2002. The
$225,000 note due Bridgeloan is to be paid from the sale of Company stock or can
be  paid  with  cash  on hand. The Company paid $125,000 towards the convertible
note  due  our  Chief  Executive  with  an  original balance of $485,446, due in
December  2002.  The  remaining  balance of $360,446 of the note with a carrying
balance of $322,605, net of discounts, will convert into common stock, or extend
the  maturity  date,  at holder's option, if paying in cash proves too difficult
for  the  Company.  The  $103,404  convertible  note  due  in  December 2002 was
purchased  by  AMRES  for consideration at $40,000 of which $25,000 was tendered
during  the  third  quarter.  And,  the  $1,745,900  in convertible preferred is
expected  to convert to common stock.  Significant debt has been eliminated, and
no  current  obligations  are  delinquent.  It  is  our  opinion,  baring  some
significant  adverse change in our business, that the Company should continue to
grow  rapidly  and  continue  to  increase  its  profitability.

                                       24
<PAGE>

     Our  Interim  financial  statements have been prepared assuming the Company
will  continue as a going concern.  Because the Company has incurred significant
losses  from  operations  and  current  liabilities  exceed  current  assets  by
approximately  $338,179, it may require financing to meet its cash requirements.
Our  auditors  included  an explanatory paragraph in their annual report raising
substantial  doubt  about  its  ability to continue as a going concern. However,
during  the nine months ended January 31, 2002, the Company executed relief from
certain obligations by settlement of its creditors.  Cash requirements depend on
several  factors,  including  but  not  limited  to,  the  pace  at  which  all
subsidiaries  continue  to  grow,  become self supporting, and begin to generate
positive  cash  flow,  as  well as the ability to obtain additional services for
common  stock  or  other  non-cash  consideration.

     If  capital  requirements vary materially from those currently planned, the
Company  may  require additional financing sooner than anticipated.  At present,
there  are no firm commitments for any additional financing, and there can be no
assurance  that  any  such  commitment can be obtained on favorable terms, if at
all.  Management  has  implemented  several  reductions of costs and expenses to
reduce  its  operating losses.  Management plans to continue its growth plans to
generate  revenues  sufficient  to meet its cost structure.  Management believes
that  these  actions  will  afford  the  Company  the  ability to fund its daily
operations and service its remaining debt obligations primarily through the cash
generated by operations; however, there are no assurance that management's plans
will  be  successful.  No  adjustments  have  been made to the carrying value of
assets  or  liabilities  as  a  result  of  these  uncertainties.

     Except  for  historical  information,  the  materials  contained  in  this
Management's  Discussion and Analysis are forward-looking (within the meaning of
Section  27A  of  the  Securities  Act of 1933 and Section 21E of the Securities
Exchange  Act  of  1934) and involve a number of risks and uncertainties.  These
include  the Company's historical losses, the need to manage its growth, general
economic  downturns,  intense competition in the financial services and mortgage
banking  industries,  seasonality of quarterly results, and other risks detailed
from  time  to  time  in  the Company's filings with the Securities and Exchange
Commission.  Although  forward-looking  statements  in  this  Quarterly  Report
reflect the good faith judgment of management, such statements can only be based
on  facts  and  factors  currently  known  by  the  Company.  Consequently,
forward-looking  statements  are  inherently subject to risks and uncertainties,
actual  results and outcomes may differ materially from the results and outcomes
discussed  in  the  forward-looking  statements.  Readers are urged to carefully
review  and  consider  the  various  disclosures  made  by  the  Company in this
Quarterly  Report,  as  an attempt to advise interested parties of the risks and
factors that may affect the Company's business, financial condition, and results
of  operations  and  prospects.

                                       25
<PAGE>

                                     PART II

ITEM  1     LEGAL  PROCEEDINGS

     In  the  ordinary  course  of  business,  the  Company is from time to time
involved in various pending or threatened legal actions.  The litigation process
is  inherently  uncertain and it is possible that the resolution of such matters
might have a material adverse effect upon the financial condition and/or results
of  operations  of  the  Company.  However,  in  the  opinion  of  the Company's
management,  matters currently pending or threatened against the Company are not
expected  to have a material adverse effect on the financial position or results
of  operations  of  the  Company.

ITEM  2     CHANGES  IN  SECURITIES

     In November 2001, the Company issued 244,000 shares of Series A Convertible
Preferred Stock to an accredited investor in exchange for consideration equal to
$80,500  in  cash  and forgiveness of debt in the amount of $41,500.  In January
2002,  the Company issued 156,000 shares of Series A Convertible Preferred Stock
to  the  same  investor  in  exchange  for  consideration equal to $83,374.  The
issuances  were  exempt  from  registration  pursuant  to  Section  4(2)  of the
Securities  Act  of  1933.

     In  January  2002,  the  Company issued an aggregate of 1,012,854 shares of
common  stock to a preferred stockholder upon conversion of 525 shares of Series
C  Convertible  Preferred  Stock.  The  issuance  was  exempt  from registration
pursuant  to  Section  4(2) of the Securities Act of 1933.  The common stock was
restricted  in  accordance  with  Rule  144  promulgated  under  the  Act.

ITEM  3     DEFAULTS  UPON  SENIOR  SECURITIES

     Not  Applicable.

ITEM  4     SUBMISSION  OF  MATTERS  TO  A  VOTE  OF  SECURITY  HOLDERS

     The  Company  held  its annual meeting of stockholders on December 6, 2001.
Proxies  were  not  solicited  from  the  shareholders.

     Two  individuals  were  elected to the Company's Board of Directors, namely
Vincent  Rinehart  and  Scott  A.  Presta,  both  of which were Directors of the
Company  prior  to  the  meeting.  The  results  of  the voting were as follows:

Director                Votes  For      Votes  Against          Votes  Withheld
--------                ----------      --------------          ---------------
Vincent Rinehart        22,200,000            -0-                     -0-
Scott A. Presta         22,200,000            -0-                     -0-

     The  other  matters  on  which  the  shareholders voted, and the results of
voting,  were:

     (i)     to amend the Articles Of Incorporation of the Company to change the
name  of  the  Company  to  Anza  Capital,  Inc.,  a  Nevada  Corporation.

                        Votes  For      Votes  Against          Votes  Withheld
                        22,200,000            -0-                     -0-


     (ii)    to  ratify  the  appointment  of  McKennon  Wilson  &  Morgan  LLP,
Certified Public Accountants, as independent auditors for the fiscal year ending
April  30,  2002.

                        Votes  For      Votes  Against          Votes  Withheld
                        22,200,000            -0-                     -0-


     (iii)   to  ratify  certain  executive  compensation  awards,  a  Global
Settlement,  and  bridge  financing  transactions.

                        Votes  For      Votes  Against          Votes  Withheld
                        22,200,000            -0-                     -0-


     (iv)    to  ratify  the  Company's  acquisition  strategy.

                        Votes  For      Votes  Against          Votes  Withheld
                        22,200,000            -0-                     -0-


ITEM  5    OTHER  INFORMATION

Company  Name  Change
---------------------

     Effective  on the open of business January 2, 2002, the Company changed its
name from e-Net Finnancial.com Corporation to Anza Capital, Inc.  In conjunction
therewith, the Company's trading symbol for its common stock changed from "ENNT"
to  "ANZA."

Status  of  Subsidiaries
------------------------

-     American  Residential  Funding,  Inc. ("AMRES") is the principal operating
mortgage  subsidiary  of  the  Company.  AMRES  operates primarily as a mortgage
banker  and  mortgage  broker through an expansion of its existing company-owned
and branch operations.  AMRES has relationships with over 300 agents in over 250
branches, and is licensed in over 40 states.  AMRES was profitable for the first
time  in  the  quarter  ended  January  31,  2002.

-     Expidoc.com,  Inc.  ("Expidoc")  is  an  Internet-based  nationwide notary
service that specializes in providing mortgage brokers with a solution to assist
with  the  final  step  of  the  loan process: notarizing signatures of the loan
documents.  Expidoc  was  profitable  for  the  first  time in the quarter ended
January  31,  2002.

-     Brave  Real Estate Network, Inc. ("BravoRealty") is an internet-based real
estate  brokerage  which  was  incorporated  in May 2000 and began operations in
January  2001.   The  web-site  is  completed  and  fully  operational, but this
subsidiary  has  generated  only  a  limited  amount  of  revenue  to  date.

-     Titus Real Estate, Inc. ("Titus Real Estate") is the management company of
Titus  REIT.  Titus Real Estate, while currently operational, is not expected to
provide significant revenues for Anza.  To date, six of ten properties have been
sold,  and  the  final  two  properties  are on the market to be sold. It is the
intent  of the management of the Company to repay its initial investors, operate
the REIT at minimal levels, and raise new capital for Titus REIT when the market
permits,  although no estimate can be made as to when that might be. The Company
believes  the  long  term  benefits  of a REIT compliment the Company's business
plan.  Titus  Real  Estate,  LLC, has incurred small operating losses during the
current  quarter.

                                       26
<PAGE>

-     Anza  Properties,  Inc.  ("Anza  Properties")  was  formed in June 2001 to
acquire income producing real estate.  Due to the death of Mr. Thomas Ehrlich in
March  2002,  all  operational  and  fundraising  efforts  associated  with Anza
Properties  have  been  permanently  discontinued.

ITEM  6    EXHIBITS  AND  REPORTS  ON  FORM  8-K

     (a)   Exhibits

           None.

     (b)   Reports  on  Form  8-K

           None.

                                       27
<PAGE>
                                   SIGNATURES

     In  accordance  with  the  requirements of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.



                                        /s/  Vincent  Rinehart
Dated:  March  25,  2002                _____________________________
                                        By:     Vincent  Rinehart
                                        Its:    President,  Chairman,
                                                Chief Executive Officer,
                                                Chief Financial Officer,
                                                Chief Accounting Officer,
                                                and  Director



                                        /s/  Scott  A.  Presta
Dated:  March  25,  2002                _____________________________
                                        By:     Scott  A.  Presta
                                        Its:    Director


                                       28
<PAGE>