Exhibit 10.14.4  AMENDMENT
NO. 3 TO
AMENDED AND RESTATED
VARIABLE FUNDING LOAN AGREEMENT [Mid-State Trust XIV]  THIS
AMENDMENT NO. 3 TOAMENDED AND RESTATEDVARIABLE
FUNDING LOAN AGREEMENT, dated as of October 25, 2007 (this Amendment), is entered into by and
among THREE PILLARS FUNDING, LLC, a Delaware limited liability company
(together with its successors and assigns, the Lender), MID-STATE TRUST XIV, a Delaware statutory
trust, as borrower (the Borrower),
TREASURY BANK, a division of Countrywide Bank FSB (fka Treasury Bank, a
division of Countrywide Bank, N.A., a national banking association), as
custodian (the Custodian),
THE BANK OF NEW YORK, a New York banking corporation, as trustee (the Trustee) and SUNTRUST ROBINSON
HUMPHREY, INC. (successor to SUNTRUST CAPITAL MARKETS, INC.), a Georgia corporation,
as agent and administrative trustee (in such capacities, the Agent and Administrative Trustee), and SUNTRUST
BANK, as a bank investor (in such capacity, the Bank Investor). 
Capitalized terms used and not otherwise defined herein are used as
defined in the Agreement (as defined below and amended hereby).  WHEREAS, the Lender, the Borrower, the Custodian,
the Trustee, the Agent, the Administrative Trustee and the Bank Investor have
entered into that certain Amended and Restated Variable Funding Loan Agreement,
dated as of June 15, 2006 (as amended, restated, supplemented or otherwise
modified to the date hereof, the Agreement);  WHEREAS, the Lender, the Borrower, the Custodian,
the Trustee, the Agent, the Administrative Trustee and the Bank Investor desire
to amend the Agreement in certain respects as hereinafter set forth;  NOW THEREFORE, in consideration of the
premises and the other mutual covenants contained herein, the parties hereto agree
as follows:  SECTION 1.Amendments.  (a)Annex Ato the
Agreement is hereby amended by:  (i)deleting the definition of Alternate
Rate in its entirety and substituting in lieu thereof the following new
definition:  Alternate Rate means, for any Rate
Period for any Tranche, an interest rate per  annum equal to the
sum of (a) the Applicable Rate for a Base Rate Revolving Loan, as such
terms are defined in the Credit Agreement, and (b) 0.50% above the
Offshore Rate for such Rate Period; provided, however, that in
the case of:  (i)any Rate Period of one (1) to
(and including) fourteen (14) days,  (ii)any Rate Period as to which
the Agent does not receive notice, by no later than 12:00 noon (New York City
time)


on the second (2nd) Business Day
preceding the first (1st) day of such Rate Period of the Borrowers
desired duration of such Rate Period as required by Section 2.3(c) of
the Loan Agreement, or  (iii)any Rate Period relating to
a Tranche which is less than $1,000,000,  the Alternate Rate
for each such Rate Period shall be an interest rate per  annum
equal to the Base Rate in effect on each day of such Rate Period.  The Alternate Rate for any date on
or after the declaration or automatic occurrence of the Facility Termination
Date pursuant to Section 6.3 of the Loan Agreement shall be an interest
rate equal to 2.00% per  annum above the Base Rate in effect on
such day.  (ii)deleting clause (kk) from
the definition of Eligible Account in its entirety and substituting in lieu
thereof the following new clause (kk) to the definition Eligible Account:  (kk)with respect to which, if such Account is an
Adjustable Rate Account, then (i) the related Account Note evidences an
Account having fully amortizing monthly payments with no negative amortization,
(ii) such Account shall provide (A) for periodic rate adjustments
(caps) of no less than 1.0% and (B) the margin over the applicable index
shall not be subject to any decrease and (C) for a lifetime interest rate
cap of no less than 6.0% higher than the initial interest rate, (iii) such
Account was not a Resale Account at the time such loan was acquired or
originated by WMC and (iv) the Principal Balance thereof together with the
aggregate Principal Balance of all other Adjustable Rate Accounts may not
exceed 5% of the Borrowing Base;.  (iii)deleting the definition of Scheduled
Termination Date in its entirety and substituting in lieu thereof the
following new definition:  Scheduled Termination Date means October 23,
2008, or such later date to which the Scheduled Termination Date may be
extended by the Agent, the Borrower and some or all of the Bank Investors, each
in its sole discretion, pursuant to Section 2.15 of the Loan Agreement.  SECTION 2.Effectiveness and Effect.  This Amendment shall become
effective as of the date (the Effective
Date) that each of the following conditions precedent shall
have been satisfied:  (a)(i) This
Amendment, (ii) the Amended and Restated Fee Letter, dated as of the date
hereof, and (iii) Amendment No. 4 to the Liquidity Asset Purchase
Agreement, dated as of the date hereof, shall have been executed and delivered
by a duly authorized officer of each party thereto.  2


(b)The
Borrower shall be in compliance with each of its covenants set forth herein and
each of the Operative Documents to which it is a party.  (c)No
event has occurred which constitutes a Facility Termination Event or a
Potential Facility Termination Event and the Facility Termination Date shall
not have occurred.  SECTION 3.Reference to and Effect on the
Agreement and the Related Documents.  (a)Upon
the effectiveness of this Amendment, (i) the Borrower hereby reaffirms all
representations and warranties made by it in Article III of the
Agreement (as amended hereby) and agrees that all such representations and
warranties shall be deemed to have been restated as of the effective date of
this Amendment, (ii) the Borrower hereby represents and warrants that no
Facility Termination Event or Potential Facility Termination Event shall have
occurred and be continuing and (iii) each reference in the Agreement to this
Agreement, hereunder, hereof, herein or words of like import shall mean
and be, and any references to the Agreement in any other document, instrument
or agreement executed and/or delivered in connection with the Agreement shall
mean and be, a reference to the Agreement as amended hereby.  (b)The
Borrower hereby agrees that in addition to any costs otherwise required to be
paid pursuant to the Operative Documents, the Borrower shall pay the reasonable
legal fees and out-of pocket expenses of each of the Custodians, the Trustees
and the Administrative Trustees counsel, and all audit fees and due diligence
costs incurred by the Administrative Trustee in connection with the
consummation of this Amendment.  SECTION 4.Governing Law.  THIS AMENDMENT SHALL BE
GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.  SECTION 5.Severability.  Each provision of this Amendment
shall be severable from every other provision of this Amendment for the purpose
of determining the legal enforceability of any provision hereof, and the
unenforceability of one or more provisions of this Amendment in one
jurisdiction shall not have the effect of rendering such provision or
provisions unenforceable in any other jurisdiction.  SECTION 6.Counterparts.  This Amendment may be
executed in one or more counterparts, each of which shall be deemed to be an
original, but all of which together shall constitute one and the same
instrument.  Delivery of an executed
counterpart of a signature page by facsimile shall be effective as
delivery of a manually executed counterpart of this Amendment.  [signature pages omitted]  3