EXHIBIT 10.35

                                AMENDMENT NO. 18
                         TO MASTER REPURCHASE AGREEMENT

      Amendment No. 18, dated as of October 26, 2004 (this "Amendment"), between
CREDIT  SUISSE  FIRST  BOSTON  MORTGAGE  CAPITAL  LLC (the  "Buyer")  and UNITED
FINANCIAL MORTGAGE CORP. (the "Seller").

                                    RECITALS

      The Buyer and the Seller are  parties to that  certain  Master  Repurchase
Agreement,  dated as of August 29, 2001, as amended by Amendment No. 1, dated as
of August 28, 2002,  Amendment  No. 2, dated as of September 3, 2002,  Amendment
No. 3, dated as of September  26, 2002,  Amendment No. 4, dated as of October 1,
2002, Amendment No. 5, dated as of December 2, 2002, Amendment No. 6 dated as of
January 30, 2003,  Amendment No. 7, dated as of March 15, 2003, Amendment No. 8,
dated as of May 30, 2003,  Amendment No. 9, dated as of July 16, 2003, Amendment
No. 10,  dated as of July 23,  2003,  Amendment  No. 11,  dated as of August 27,
2003,  Amendment No. 12, dated as of December 16, 2003,  Amendment No. 13, dated
as of February 2, 2004,  Amendment No. 14, dated as of March 31, 2004, Amendment
No. 15, dated as of April 22, 2004,  Amendment  No. 16, dated as of May 11, 2004
and  Amendment  No. 17,  dated as of August 24, 2004 (the  "Existing  Repurchase
Agreement";   as  amended  by  this  Amendment,   the  "Repurchase  Agreement").
Capitalized  terms used but not otherwise defined herein shall have the meanings
given to them in the Existing Repurchase Agreement.

      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 premises and mutual  obligations set forth herein,  that the Existing
Repurchase  Agreement  is  hereby  amended  as  follows:  Section  1.  Temporary
Amendments.  For  purposes of this  Amendment,  this Section 1 will be effective
only  during the period  beginning  on October 26,  2004  through and  including
December 31, 2004 (the "Increased Maximum Aggregate Purchase Price Period"). 1.1
Definitions.

      (a) Section 2 of the Existing  Repurchase  Agreement is hereby temporarily
amended by deleting the definition of "Maximum  Aggregate Purchase Price" in its
entirety and replacing it with the following language,  which amendment shall be
effective solely during the Increased Maximum Aggregate Purchase Price Period:

      ""Maximum  Aggregate  Purchase  Price" means TWO HUNDRED  MILLION  DOLLARS
($200,000,000)."

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      Section 2. Conditions Precedent.  This Amendment shall become effective on
October 26, 2004 (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 a duly authorized officer of
the Buyer and Seller;

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

      2.2 Payment of  Attorneys'  Fees.  On the Amendment  Effective  Date,  the
Seller shall have paid attorneys' fees to Buyer or its counsel either by payment
or by authorized  debit in connection  with this Amendment in an amount equal to
$750.

      Section 3.  Representations  and Warranties.  The Seller hereby represents
and  warrants  to the Buyer that they are in  compliance  with all the terms and
provisions set forth in the Repurchase Agreement on their part to be observed or
performed,  and that no Event of Default  has  occurred  or is  continuing,  and
hereby  confirm and reaffirm the  representations  and  warranties  contained in
Section 13 of the Repurchase Agreement.

      Section 4. 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 5.  Counterparts.  This  Amendment  may be executed by each of the
parties hereto on any number of separate counterparts, each of which shall be an
original  and all of which  taken  together  shall  constitute  one and the same
instrument.

      Section  6.  GOVERNING  LAW.  THIS  AMENDMENT  SHALL BE  GOVERNED  BY, AND
CONSTRUED  IN  ACCORDANCE  WITH,  THE  LAWS OF THE  STATE  OF NEW  YORK  WITHOUT
REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF.

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

Buyer:                          CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC,
                                as Buyer


                                By:_____________________________________________
                                   Name:
                                   Title:

Seller:                         UNITED FINANCIAL MORTGAGE CORP.,
                                as Seller


                                By:_____________________________________________
                                   Name:
                                   Title: