EX-10.102





 Exhibit 10.102 

TIAA BANK 
 100 Summer
Street, Suite 3232 
 Boston, MA 02110 
 Caliber
Home Loans, Inc. 
 1525 South Belt Line Road 
 Coppell, Texas
75019 
 Attention: Glenn Minkoff 
 Re: Second
Amendment to the Loan and Security Agreement (“Second Amendment”). 
 This Second Amendment is made this 25th day of
September (the “Amendment Effective Date”), to that certain Loan and Security Agreement, dated as of September 27, 2019 (as amended, restated, supplemented or otherwise modified from time to time) (the “Agreement”,
by and between Caliber Home Loans, Inc. (“Borrower”), and TIAA, FSB (“Bank”). 
 WHEREAS, Borrower and
Bank desire to amend the Agreement as set forth herein. 
 NOW THEREFORE, in consideration of the amendments, agreements and other
provisions herein contained and of certain other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged by the parties hereto, it is hereby agreed between Borrower and Bank as follows: 

SECTION 1. Amendment of the Agreement. The Agreement is hereby amended as follows: 

(a) Section 1(rrr) of the Agreement is hereby amended and restated as follows: 

“(rrr) “Maturity Date” means the earlier of (a) December 23, 2020, or (b) such earlier date on which this
Agreement shall terminate or be terminated by Bank or Borrower in accordance with the provisions hereof or by operation of law or the date on which the Loan shall be accelerated and declared due and payable in accordance with the provisions
hereof.” 
 (b) Section 1(hhhhh) of the Agreement is hereby amended and restated as follows: 

“(hhhhh) “Termination Date” means the earlier of (a) December 23, 2020, or (b) the Maturity Date.” 

SECTION 2. Defined Terms. Any terms capitalized but not otherwise defined herein shall have
the respective meanings set forth in the Agreement. 
 SECTION 3. Fees. There are no fees due and owing in
connection with this Second Amendment. 
 SECTION 4. Limited Effect. Except as amended
hereby, the Agreement shall continue in full force and effect in accordance with its terms. Reference to this Second Amendment need not be made in the Agreement or any other instrument or document executed in connection therewith, or in any
certificate, letter or communication issued or made pursuant to, or with respect to, the Agreement, any reference in any of such items to the Agreement being sufficient to refer to the Agreement as amended hereby. 

 












 SECTION 5. 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 6. GOVERNING LAW. THE AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, AND
THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 SECTION 7.
Representations. In order to induce Bank to execute and deliver this Second Amendment, Borrower hereby represents to Bank that as of the date hereof, except as otherwise expressly waived by Bank in writing,
Borrower is in full compliance with all of the terms and conditions of the Agreement including without limitation, all of the representations and warranties and all of the affirmative and negative covenants, and no Default or Event of Default has
occurred and is continuing under the Agreement. 
 SECTION 8. Counterparts. This Second
Amendment may be executed in one or more counterparts and by different parties hereto on separate counterparts, each of which, when so executed, shall constitute one and the same agreement. 

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

			
	 TIAA, FSB, formerly known as EVERBANK, as

    Bank

		
	By:	 	 /s/ Paul Chmielinski

		 	Name: Paul Chmielinski
		 	Title: Senior Vice President
	
	CALIBER HOME LOANS, INC., as Borrower
		
	By:	 	 /s/ Vasif Imtiazi

	Name:	 	Vasif Imtiazi
	Title:	 	CFO



  
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