EXHIBIT 10.36


                               AMENDMENT NO. 7 TO
           EARLY PURCHASE PROGRAM ADDENDUM TO LOAN PURCHASE AGREEMENT

This  Amendment  No. 7 TO  EARLY  PURCHASE  PROGRAM  ADDENDUM  TO LOAN  PURCHASE
AGREEMENT (the  "Amendment")  is made and entered into as of November 8, 2004 by
and between  Countrywide Home Loans, Inc.  ("Countrywide")  and United Financial
Mortgage,  Corp.  ("Seller").  This Amendment amends that certain Early Purchase
Program  Addendum to Loan  Purchase  Agreement  by and between  Countrywide  and
Seller dated as of April 23, 2003 (the "EPP Addendum"),  which such EPP Addendum
supplements that certain Loan Purchase Agreement by and between  Countrywide and
Seller dated as of February 7, 2001 (including all the Commitments,  Amendments,
Addenda, Assignments of Trade and Assignments thereto,  collectively,  the "Loan
Purchase Agreement").

                                 R E C I T A L S

      Countrywide  and Seller  have  previously  entered  into the EPP  Addendum
      pursuant to which Seller may sell certain  loans to  Countrywide  prior to
      delivery of certain mortgage loan documents. Countrywide and Seller hereby
      agree that the EPP Addendum shall be amended as provided herein.

In consideration of the mutual promises contained herein, and for other good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, Countrywide and Seller hereby agree as follows:

1.    Exhibit A - EPP Loans.  Countrywide and Seller agree that Exhibit A of the
      EPP Addendum shall be amended to add new The PayOption  ARM's Loan Product
      as follows:

<TABLE>
<CAPTION>
"
---------------------------------------------------------------------------------------------
                        Maximum
                     Percentage of
Loan Product or Type  Outstanding  SRP Enhancement  Initial Purchase   Requirements prior to
--------------------   Loan Limit      Percent       Price Percentage         purchase
                       ----------      -------       ----------------         --------
---------------------------------------------------------------------------------------------
<S>                       <C>            <C>             <C>                    <C>
PayOption ARM's           20%            N/A             100.000                None
---------------------------------------------------------------------------------------------
                                                                                            "
</TABLE>

2.    Exhibit J - Term Sheet for Early Purchase Program.  Countrywide and Seller
      agree that Exhibit J of the EPP Addendum Shall be amended as follows:

         "Fee:    Amount:
         ----     ------

         EPP      Loan Servicing Set-up Fee None for PayOption ARM's and HELOC's
                  only, All other loan types as applicable in the Servicing
                  Agreement entered into by Seller and Countrywide Home Loans
                  Servicing LP dated June 21, 2002."

3.    Exhibit A - EPP Loans.  Countrywide  and Seller  agree that the heading in
      Exhibit A for Jumbo Loan Product shall be amended to the following:

      "Jumbo (1st mortgages with loan amounts to $1,000,000)"

4.    Review Period - Section 7(A) -  Countrywide  and Seller agree to delete in
      its entirety Section 7(A) and replace it with the following:

      Review Period. Seller acknowledges that prior to Countrywide's purchase of
      EPP Loans under the Early Purchase  Program,  Countrywide will not have an
      opportunity to complete a full review of the mortgage  files,  information
      and documents relating to such EPP Loans. Accordingly,  Seller agrees that
      Countrywide  shall  have a period of up to forty five (45)  calendar  days
      commencing  on the closing date (the  "Review  Period") in which to review
      the mortgage file,  information and documents  related to each EPP Loan to
      determine  whether  the  related  EPP Loan  complies  with the  terms  and
      conditions of the Program  Agreements.  Countrywide  will use commercially
      reasonable  efforts  to  complete  its  review of each EPP Loan as soon as
      practicable. The Review Period will be deemed complete with respect to any
      EPP Loan upon Countrywide's  determination that the EPP Loan complies with
      all terms and conditions of the Program  Agreements  notwithstanding  that
      additional   time   may  be  left  in  the   applicable   Review   Period.
      Notwithstanding the foregoing,  the fact that Countrywide has conducted or
      has failed to conduct any partial or complete  examination of the mortgage
      file, information and/or documents related to an EPP Loan shall not affect
      Countrywide's  right to demand  repurchase or to avail itself of any other
      remedy  available  hereunder.  For all loans  types  other than  PayOption
      ARM's,  Countrywide's  Purchase Price for such Loan shall include a credit
      or debit  equal to the amount  which is the  annualized  rate equal to the
      difference between the note rate on a Loan and the SRP Enhancement Percent
      indicated  in  Exhibit  A plus  the one  month  LIBOR  rate on the  unpaid
      principal  balance of such loan (the "SRP  Enhancement").  PayOption ARM's
      shall not include an SRP Enhancement. The SRP Enhancement commences on the
      Purchase Date and ends on the completion of the Review Period.

<PAGE>

5.    No Other Amendments.  Other than as expressly modified and amended herein,
      the EPP Addendum and Loan  Purchase  Agreement  shall remain in full force
      and effect and  nothing  herein  shall  affect the rights and  remedies of
      Countrywide   as  provided  under  the  EPP  Addendum  and  Loan  Purchase
      Agreement.

6.    Capitalized  Terms.  Any  capitalized  term used herein and not  otherwise
      defined  herein  shall have the  meaning  ascribed to such term in the EPP
      Addendum or Loan Purchase Agreement, as applicable.

7.    Facsimiles.  Facsimile signatures shall be deemed valid and binding to the
      same extent as the original.

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

COUNTRYWIDE HOME LOANS, INC.               UNITED FINANCIAL MORTGAGE, CORP.


By:  _________________________             By:  __________________________
     Signature                                  Signature

Name:                                      Name:

Title:                                     Title: