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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



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FORM 10-K/A

(Amendment No. 1)



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|x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ------------------------------------------------------------------------------------

For the fiscal year ended December 31, 2006

OR



| ̈ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ----------------------------------------------------------------------------------------

For the transition period from  to

Commission file number 001-32430



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ECC CAPITAL CORPORATION

(Exact name of registrant as specified in its charter)



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|                                                            |  |                                          
|----------------------------------------------------------- |  | -----------------------------------------
|Maryland                                                    |  | 84-1642470                               
|(State or other jurisdiction incorporation or organization) |  | (I. R. S. Employer Identification Number)
|                                                            | 
|2040 Main Street, Suite 800                                 |  | 92614                                    
|(Address of principal executive offices)                    |  | (Zip Code)                               

Registrants telephone number, including area code: (949) 856-8300



|                                                            |  |                                      
|----------------------------------------------------------- |  | -------------------------------------
|Securities registered pursuant to Section 12(b) of the Act: |  | Name of exchange on which registered:
|None                                                        |  | N/A                                  

Securities registered pursuant to Section 12(g) of the Act:

Common Stock, par value $0.001 per share



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Indicate by check mark if the Registrant is a well known seasoned issuer as defined in Rule 405 of the Securities
Act.    Yes ̈No  x

Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the
Act.    Yes ̈No  x

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 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 ̈

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained,
to the best of Registrants knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ̈

Indicate by check mark whether the Registrant is a large accelerated
filer, an accelerated filer, or a non-accelerated filer. See definition of accelerated filer and large accelerated filer in Rule 12b-2 of the Exchange Act (Check one):

Large accelerated filer ̈Accelerated filer  x    Non-accelerated filer ̈

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the
Act).    Yes ̈No  x

The aggregate market value of common stock held by non-affiliates, based on the closing price of the common stock of the Registrant on the last business
day of the most recently completed second fiscal quarter as reported on the New York Stock Exchange, was $78,659,541. All executive officers and directors of the Registrant and all persons filing a Schedule 13D with the Securities and Exchange
Commission in respect to the Registrants common stock have been deemed, solely for the purpose of the foregoing calculations, to be affiliates of the Registrant.

As of June 30, 2007, the Registrant had 101,026,743 shares of common stock outstanding.



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Table of Contents

Explanatory Note

The purpose of this Amendment No. 1 to the companys Form 10-K is to
correct the Officer Certifications filed as Exhibit 31.1 and 31.2, respectively, which inadvertently omitted a portion of the certifications at the time of filing. The company is filing as exhibits to this Form 10-K/A the corrected certifications
under Sections 302 of the Sarbanes-Oxley Act of 2002. Except for the amendment described herein, this Form 10-K/A does not modify or update the disclosures in, or exhibits to, the Form 10-K.



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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto duly authorized.



ECC CAPITAL CORPORATIONBy:

/s/ STEVEN G. HOLDERSteven G. HolderChairman and Chief Executive Officer


Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been
signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.



|                     |  |                                                  |  |             
|-------------------- |  | ------------------------------------------------ |  | ------------
|/s/ STEVEN G. HOLDER |  | Chief Executive Officer and Chairman (Principal  |  | July 6, 2007
|Steven G. Holder     |  | Executive Officer)                               |  |             
|                     |  |                                                 
|/s/ ROQUE A. SANTI   |  | President and Chief Financial Officer (Principal |  | July 6, 2007
|Roque A. Santi       |  | Financial and Accounting Officer)                |  |             
|                     |  |                                                 
|/s/ JAMES R. BRAZIL  |  | Director                                         |  | July 6, 2007
|James R. Brazil      |  |                                                  |  |             
|                     |  |                                                 
|/s/ JAMES ROLLANS    |  | Director                                         |  | July 6, 2007
|James Rollans        |  |                                                  |  |             
|                     |  |                                                 
|/s/ WILLIAM JACOBY   |  | Director                                         |  | July 6, 2007
|William Jacoby       |  |                                                  |  |             



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EXHIBIT INDEX



|               |  |                                                                                                                                                                                                                                                                                                                  |  |                                                                                                                                                                                                                                                                                                              
|-------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                                                     
|3.1            |  | Articles of Incorporation (incorporated by reference to Exhibit 3.1 to Registration Statement on Form S-11 filed February 8, 2005, Registration No.
333-118253).                                                                                                                                                
|               | 
|3.2            |  | Articles of Amendment and Restatement (incorporated by reference to Exhibit 3.2 to Annual Report on Form 10-K filed April 8, 2005).                                                                                                                                                                             
|               | 
|3.3            |  | Amended and Restated Bylaws (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K filed April 3, 2007).                                                                                                                                                                                       
|               | 
|4.1            |  | Form of Common Stock Certificate (incorporated by reference to Exhibit 4.1 to Registration Statement on Form S-11 filed February 8, 2005, Registration No.
333-118253).                                                                                                                                         
|               | 
|4.2            |  | Form of Registration Rights Agreement by and between Registrant, Friedman, Billings, Ramsey Group, Inc. and Milestone Advisors LLC (incorporated by reference to Exhibit 10.49 to
Registration Statement on Form S-11 filed February 10, 2005, Registration No. 333-118253).                                    
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                              |  | Letter of Amendment to the Registration Rights Agreement dated as of March 16, 2006 by and between Friedman, Billings, Ramsey Group, Inc. and Registrant(incorporated by reference to
Exhibit 10.1 to Current Report on Form 8-K filed March 22, 2006) .                                                     
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (b)                                                                                                                                                                                                                                                                                                              |  | Letter of Amendment to the Registration Rights Agreement dated as of May 5, 2006 by and between Friedman, Billings, Ramsey Group, Inc. and Registrant(incorporated by reference to Exhibit
10.2 to Current Report on Form 8-K filed May 5, 2006) .                                                           
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (c)                                                                                                                                                                                                                                                                                                              |  | Letter of Amendment to the Registration Rights Agreement dated as of June 19, 2006 by and between Friedman, Billings, Ramsey Group, Inc. and Registrant(incorporated by reference to
Exhibit 10.30 to Current Report on Form 8-K filed June 22, 2006) .                                                      
|               | 
|10.1           |  | Amended and Restated Master Repurchase Agreement, dated as of February 18, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and IXIS Real Estate Capital
Inc.(incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed February 25, 2005) .                    
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                              |  | Amendment No 1 to Amended and Restated Master Repurchase Agreement, dated as of May 12, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and IXIS Real Estate
Capital Inc. (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 18, 2005).         
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (b)                                                                                                                                                                                                                                                                                                              |  | Amendment No. 2 to Amended and Restated Master Repurchase Agreement, dated as of June 1, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and IXIS Real Estate
Capital Inc. (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed June 3, 2005).        
|               |  |                                                                                                                                                                                                                                                                                                                 
|               |  | (c)                                                                                                                                                                                                                                                                                                              |  | Amendment No. 3 to Amended and Restated Master Repurchase Agreement, dated as of October 24, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and IXIS Real Estate
Capital Inc. (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed October 28, 2005).
|               | 
|10.2           |  | Second Amended and Restated Master Repurchase Agreement, dated as of May 12, 2006, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation, ConquistAmerica, Inc. and
IXIS Real Estate Capital Inc.(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 18, 2006) .



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|               |  |                                                                                                                                                                                                                                                                                     |  |                                                                                                                                                                                                                                                                                                            
|-------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                        
|10.3           |  | Revolving Credit and Security Agreement, dated as of May 13, 2002, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit
10.4 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (a)                                                                                                                                                                                                                                                                                 |  | Amendment No. 2 to Revolving Credit and Security Agreement, dated as of December 13, 2002, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference
to Exhibit 10.6 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (b)                                                                                                                                                                                                                                                                                 |  | Amendment No. 3 to Revolving Credit and Security Agreement, dated as of March 1, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference
to Exhibit 10.7 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).    
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (c)                                                                                                                                                                                                                                                                                 |  | Amendment No. 4 to Revolving Credit and Security Agreement, dated as of April 2, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to
Exhibit 10.8 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).    
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (d)                                                                                                                                                                                                                                                                                 |  | Amendment No. 5 to Revolving Credit and Security Agreement, dated as of July 30, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference
to Exhibit 10.9 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).    
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (e)                                                                                                                                                                                                                                                                                 |  | Amendment No. 6 to Revolving Credit and Security Agreement, dated as of August 25, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to
Exhibit 10.10 to Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253). 
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (f)                                                                                                                                                                                                                                                                                 |  | Amendment No. 7 to Revolving Credit and Security Agreement, dated as of December 29, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and Countrywide Warehouse
Lending(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed January 5, 2006) .       
|               | 
|10.4           |  | Commitment Letter, dated as of May 13, 2002, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.12 to Registration
Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).                     
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (a)                                                                                                                                                                                                                                                                                 |  | Amendment No. 1 to Commitment Letter, dated as of April 10, 2003, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.13 to
Registration Statement on Form S-11 filed on December 17, 2004, Registration No. 333-118253).                        
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (b)                                                                                                                                                                                                                                                                                 |  | Amendment No. 2 to Commitment Letter, dated as of July 25, 2003, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.13 to
Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).                             
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (c)                                                                                                                                                                                                                                                                                 |  | Amendment No. 3 to Commitment Letter, dated as of September 12, 2003, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.15 to
Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                       
|               |  |                                                                                                                                                                                                                                                                                    
|               |  | (d)                                                                                                                                                                                                                                                                                 |  | Amendment No. 4 to Commitment Letter, dated as of August 20, 2003, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.15 to
Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).                           



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|               |  |                                                                                                                                                                                                                                                                             |  |                                                                                                                                                                                                                                                                                                                                  
|-------------- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                
|10.5           |  | Renewal of Commitment Letter, dated as of November 14, 2003, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.17
to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (a)                                                                                                                                                                                                                                                                         |  | Amendment No. 1 to Renewal of Commitment Letter, dated as of March 15, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit
10.18 to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                      
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (b)                                                                                                                                                                                                                                                                         |  | Amendment No. 2 to Renewal of Commitment Letter, dated as of May 21, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.19
to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                        
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (c)                                                                                                                                                                                                                                                                         |  | Amendment No. 3 to Renewal of Commitment Letter, dated as of July 30, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit 10.20
to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                       
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (d)                                                                                                                                                                                                                                                                         |  | Amendment No. 4 to Renewal of Commitment Letter, dated as of August 25, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to
Exhibit 10.21 to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                     
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (e)                                                                                                                                                                                                                                                                         |  | Amendment No. 5 to Renewal of Commitment Letter, dated as of November 5, 2004, by and between Countrywide Warehouse Lending and Encore Credit Corp. (incorporated by reference to Exhibit
10.21 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).                                     
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (f)                                                                                                                                                                                                                                                                         |  | Amendment No. 6 to Renewal of Commitment Letter, dated as of November 5, 2004, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.22 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253). 
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (g)                                                                                                                                                                                                                                                                         |  | Amendment No. 7 to Renewal of Commitment Letter, dated as of December 7, 2004, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.23 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253). 
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (h)                                                                                                                                                                                                                                                                         |  | Amendment No. 8 to Renewal of Commitment Letter, dated as of December 20, 2004, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.24 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (i)                                                                                                                                                                                                                                                                         |  | Amendment No. 9 to Renewal of Commitment Letter, dated as of December 30, 2004, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.25 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (j)                                                                                                                                                                                                                                                                         |  | Amendment No. 10 to Renewal of Commitment Letter, dated as of February 23, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.4 to Current Report on Form 8-K filed February 25, 2005).                                     
|               |  |                                                                                                                                                                                                                                                                            
|               |  | (k)                                                                                                                                                                                                                                                                         |  | Amendment No. 11 to Renewal of Commitment Letter, dated as of April 29, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 6, 2005).                                              



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|               |  |                                                                                                                                                                                                                                                                                                                                                                                                  |  |                                                                                                                                                                                                                                                                                                                        
|-------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                                                                                                                                     
|               |  | (l)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 12 to Renewal of Commitment Letter, dated as of June 1, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed June 3, 2005).                                     
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (m)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 13 to Renewal of Commitment Letter, dated as of June 16, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed June 22, 2005).                                   
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (n)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 14 to Renewal of Commitment Letter, dated as of July 7, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation and Registrant
(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed July 13, 2005).                                    
|               | 
|10.6           |  | Commitment Letter for Revolving Credit and Security Agreement, dated as of July 20, 2005, by and among Countrywide Warehouse Lending, Encore Credit Corp., Bravo Credit Corporation
and Registrant (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed July 26, 2005).                                                                                               
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 1 to Commitment Letter, dated as of October 26, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and Countrywide Warehouse Lending (incorporated
by reference to Exhibit 10.1 to Current Report on Form 8-K filed November 1, 2005).                                         
|               | 
|10.7           |  | Mortgage Loan Purchase Agreement, dated as of June 20, 2003, by and between Encore Credit Corp. and Countrywide Home Loans, Inc. (incorporated by reference to Exhibit 10.26 to
Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).                                                                                                                       
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 1 to Mortgage Loan Purchase Agreement, dated as of May 31, 2006, by and between Encore Credit Corp. and Countrywide Home Loans, Inc. (incorporated by reference to Exhibit
10.29 to Current Report on Form 8-K filed June 22, 2006).                                                                     
|               | 
|10.8           |  | Securities Purchase Agreement, dated as of September 1, 2004, by and among Encore SPV Trust III, Encore Credit Corp., Wachovia Bank, National Association, as the initial note
purchaser, Everen Capital Corporation and Wachovia Capital Markets, LLC (incorporated by reference to Exhibit 10.28 to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).
|               | 
|10.9           |  | Master Mortgage Loan Sale and Contribution Agreement, dated as of September 1, 2004, by and between Encore SPV Trust III and Encore Credit Corp.(incorporated by reference to
Exhibit 10.29 to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                                                                                       
|               | 
|10.10          |  | Amended and Restated Master Repurchase Agreement, dated as of March 16, 2005, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation and Wachovia Bank, National
Association (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed March 22, 2005)                                                                                                     
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 1 to Amended and Restated Master Repurchase Agreement, dated as of August 3, 2005, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation and Wachovia Bank,
National Association (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 4, 2005).        
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (b)                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 2 to Amended and Restated Master Repurchase Agreement, dated as of September 21, 2005, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation and Wachovia Bank,
National Association (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed September 27, 2005).



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|               |  |             |  |                                                                                                                                                                                                                                                                                                                                  
|-------------- |  | ----------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description
|               |  | (c)         |  | Amendment No. 2006-1 to Amended and Restated Master Repurchase Agreement, dated as of March 14, 2006, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation and Wachovia Bank,
National Association (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed March 20, 2006).             
|               |  |            
|               |  | (d)         |  | Amendment No. 2006-2 to Amended and Restated Master Repurchase Agreement, dated as of April 14, 2006, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and Wachovia Bank,
National Association (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed April 20, 2006).             
|               |  |            
|               |  | (e)         |  | Amendment No. 2006-3 to Amended and Restated Master Repurchase Agreement, dated as of May 31, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |            
|               |  | (f)         |  | Amendment No. 2006-4 to Amended and Restated Master Repurchase Agreement, dated as of June 1, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |            
|               |  | (g)         |  | Amendment No. 2006-5 to Amended and Restated Master Repurchase Agreement, dated as of June 5, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.31 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |            
|               |  | (h)         |  | Amendment No. 2006-6 to Amended and Restated Master Repurchase Agreement, dated as of June 6, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.41 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |            
|               |  | (i)         |  | Amendment No. 2006-7 to Amended and Restated Master Repurchase Agreement, dated as of June 7, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.51 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |            
|               |  | (k)         |  | Amendment No. 2006-8 to Amended and Restated Master Repurchase Agreement, dated as of June 8, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.61 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |            
|               |  | (l)         |  | Amendment No. 2006-9 to Amended and Restated Master Repurchase Agreement, dated as of June 9, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.7 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |            
|               |  | (m)         |  | Amendment No. 2006-10 to Amended and Restated Master Repurchase Agreement, dated as of June 12, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.8 to Current Report on Form 8-K filed June 22, 2006). 
|               |  |            
|               |  | (n)         |  | Amendment No. 2006-11 to Amended and Restated Master Repurchase Agreement, dated as of June 13, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.9 to Current Report on Form 8-K filed June 22, 2006). 
|               |  |            
|               |  | (o)         |  | Amendment No. 2006-12 to Amended and Restated Master Repurchase Agreement, dated as of June 14, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.10 to Current Report on Form 8-K filed June 22, 2006).



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|               |  |                                                                                                                                                                                                                                                                                           |  |                                                                                                                                                                                                                                                                                                                                  
|-------------- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                              
|               |  | (p)                                                                                                                                                                                                                                                                                       |  | Amendment No. 2006-13 to Amended and Restated Master Repurchase Agreement, dated as of June 15, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.11 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (q)                                                                                                                                                                                                                                                                                       |  | Amendment No. 2006-14 to Amended and Restated Master Repurchase Agreement, dated as of June 16, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.12 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (r)                                                                                                                                                                                                                                                                                       |  | Amendment No. 2006-15 to Amended and Restated Master Repurchase Agreement, dated as of June 16, 2006, by and among Wachovia Bank, National Association, Encore Credit Corp., ECC Capital
Corporation and Bravo Credit Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed July 20, 2006). 
|               | 
|10.11          |  | Master Repurchase Agreement, dated as of August 3, 2005, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation and Wachovia Bank, National Association
(incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed August 4, 2005).                  
|               | 
|10.12          |  | Master Repurchase Agreement, dated as of February 14, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and Merrill Lynch Bank USA (incorporated by
reference to Exhibit 10.1 to Current Report on Form 8-K filed February 22, 2005).                         
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (a)                                                                                                                                                                                                                                                                                       |  | Amendment No. 1 to Master Repurchase Agreement, dated as of July 25, 2005, by and among Merrill Lynch Bank USA, Encore Credit Corp., Registrant and Bravo Credit Corporation (incorporated
by reference to Exhibit 10.3 to Current Report on Form 8-K filed July 26, 2005).                                                      
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (b)                                                                                                                                                                                                                                                                                       |  | Amendment No. 2 to Master Repurchase Agreement, dated as of August 22, 2005, by and among Merrill Lynch Bank USA, Encore Credit Corp., Registrant and Bravo Credit Corporation (incorporated
by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 26, 2005).                                                  
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (c)                                                                                                                                                                                                                                                                                       |  | Amendment No. 3 to Master Repurchase Agreement, dated as of March 13, 2006, by and among Merrill Lynch Bank USA, Encore Credit Corp., Registrant and Bravo Credit Corporation (incorporated
by reference to Exhibit 10.1 to Current Report on Form 8-K filed March 17, 2006).                                                    
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (d)                                                                                                                                                                                                                                                                                       |  | Amendment No. 4 to Master Repurchase Agreement, dated as of April 7, 2006, by and among Merrill Lynch Bank USA, Encore Credit Corp., Registrant and Bravo Credit Corporation (incorporated
by reference to Exhibit 10.1 to Current Report on Form 8-K filed April 13, 2006).                                                     
|               | 
|10.13          |  | Master Repurchase Agreement, dated as of February 18, 2005, by and among Encore Credit Corp., Registrant, Bravo Credit Corporation and Credit Suisse First Boston Mortgage Capital LLC
(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed February 25, 2005).
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (a)                                                                                                                                                                                                                                                                                       |  | Amendment No. 1 to Master Repurchase Agreement, dated as of July 21, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed July 26, 2005).                             
|               |  |                                                                                                                                                                                                                                                                                          
|               |  | (b)                                                                                                                                                                                                                                                                                       |  | Amendment No. 2 to Master Repurchase Agreement, dated as of August 15, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 19, 2005).                         



---

|               |  |             |  |                                                                                                                                                                                                                                                                                                              
|-------------- |  | ----------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description
|               |  | (c)         |  | Amendment No. 3 to Master Repurchase Agreement, dated as of August 19, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 25, 2005).     
|               |  |            
|               |  | (d)         |  | Amendment No. 4 to Master Repurchase Agreement, dated as of September 6, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo
Credit Corporation(incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed September 12, 2005) .
|               |  |            
|               |  | (e)         |  | Amendment No. 5 to Master Repurchase Agreement, dated as of November 7, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed November 10, 2005).  
|               |  |            
|               |  | (f)         |  | Amendment No. 6 to Master Repurchase Agreement, dated as of November 29, 2005, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed December 2, 2005).  
|               |  |            
|               |  | (g)         |  | Amendment No. 7 to Master Repurchase Agreement, dated as of January 12, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed January 19, 2006).   
|               |  |            
|               |  | (h)         |  | Amendment No. 8 to Master Repurchase Agreement, dated as of April 11, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed April 17, 2006).       
|               |  |            
|               |  | (i)         |  | Amendment No. 9 to Master Repurchase Agreement, dated as of May 1, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 5, 2006).             
|               |  |            
|               |  | (j)         |  | Amendment No. 10 to Master Repurchase Agreement, dated as of June 28, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed July 5, 2006).         
|               |  |            
|               |  | (k)         |  | Amendment No. 11 to Master Repurchase Agreement, dated as of July 31, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 4, 2006).       
|               |  |            
|               |  | (l)         |  | Amendment No. 12 to Master Repurchase Agreement, dated as of August 14, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 18, 2006).    
|               |  |            
|               |  | (m)         |  | Amendment No. 13 to Master Repurchase Agreement, dated as of August 15, 2006, by and among Credit Suisse First Boston Mortgage Capital LLC, Encore Credit Corp., Registrant and Bravo Credit
Corporation (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed August 18, 2006).    



---

|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                  |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|-------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                                                                                                                                                     
|10.14          |  | Master Repurchase Agreement, dated as of May 16, 2005, by and among Registrant, Encore Credit Corp. and Bravo Credit Corporation, as guarantors and originators, ECC SPV II,
Encore SPV II and Bravo SPV II, as sellers and DB Structured Products, Inc., Aspen Funding Corp. and Newport Funding Corp., as buyers (incorporated by reference to Exhibit 10.2 to Current Report on form 8-K filed May 18,
2005).
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. One to Master Repurchase Agreement and Pricing Side Letter, dated as of August 18, 2005, by and among Registrant, Encore Credit Corp. and Bravo Credit Corporation as guarantors and
originators, ECC SPV II, Encore SPV II and Bravo SPV II, as sellers and DB Structured Products, Inc., Aspen Funding Corp. and Newport Funding Corp., as buyers (incorporated by reference to Exhibit 10.l to Current Report on Form 8-K filed August
24, 2005).
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (b)                                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. Two to Master Repurchase Agreement and Pricing Side Letter, dated as of February 28, 2006, by and among Registrant, Encore Credit Corp. and Bravo Credit Corporation as guarantors
and originators, ECC SPV II, Encore SPV II and Bravo SPV II, as sellers and DB Structured Products, Inc., Aspen Funding Corp. and Newport Funding Corp., as buyers (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed
March 6, 2006).
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (c)                                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. Four to Master Repurchase Agreement and Pricing Side Letter, dated as of May 12, 2006, by and among Registrant, Encore Credit Corp. and Bravo Credit Corporation as guarantors and
originators, ECC SPV II, Encore SPV II and Bravo SPV II, as sellers and DB Structured Products, Inc., Aspen Funding Corp. and Newport Funding Corp., as buyers (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 18,
2006).     
|               | 
|10.15          |  | Master Repurchase Agreement, dated as of November 28, 2005, by and among Registrant, Encore Credit Corp., Bravo Credit Corporation, ConquistAmerica, Inc. and Bear Stearns Mortgage
Capital Corporation (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed December 2, 2005).                                                                                                       
|               | 
|10.16          |  | Amended and Restated Master Repurchase Agreement, dated as of October 10, 2006, by and among Bear Stearns Mortgage Capital Corporation, Encore Credit Corp., Registrant, Bravo Credit
Corporation and ConquistAmerica, Inc. (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed October 16, 2006).                                                                                   
|               |  |                                                                                                                                                                                                                                                                                                                                                                                                                 
|               |  | (a)                                                                                                                                                                                                                                                                                                                                                                                                              |  | Amendment No. 1 to Amended and Restated Master Repurchase Agreement, dated as of December 13, 2006, by and among Bear Stearns Mortgage Capital Corporation, Encore Credit Corp., Registrant, Bravo
Credit Corporation and ConquistAmerica, Inc. (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed December 14, 2006).                                                                                                                
|               | 
|10.17          |  | Commercial Lease, dated as of May 5, 2003, by and between Danari Alton, LLC and Encore Credit Corp. for property located at 1833 Alton Parkway, Irvine, California (incorporated by
reference to Exhibit 10.32 to Registration Statement on Form S-11 filed December 17, 2004, Registration No. 333-118253).                                                                                                    
|               | 
|10.18          |  | Form of Stock Purchase Agreement by and among Registrant, Encore Credit Corp. and Friedman, Billings, Ramsey Group, Inc. (incorporated by reference to Exhibit 10.48 to
Registration Statement on Form S-11 filed February 10, 2005, Registration No. 333-118253).                                                                                                                                              



---

|               |  |                                                                                                                                                                                                                                                                                   |  |                                                                                                                                                                                                                                                                                                          
|-------------- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                                                      
|10.19          |  | Master Repurchase Agreement (Securities), dated as of January 31, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.13 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (a)                                                                                                                                                                                                                                                                               |  | Amendment Number One to Master Repurchase Agreement (Securities), dated as of March 1, 2006, by and among Wachovia Investment Holdings, LLC, registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.14 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (b)                                                                                                                                                                                                                                                                               |  | Amendment Number Two to Master Repurchase Agreement (Securities), dated as of March 1, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.15 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (c)                                                                                                                                                                                                                                                                               |  | Amendment Number Three to Master Repurchase Agreement (Securities), dated as of April 25, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.16 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (d)                                                                                                                                                                                                                                                                               |  | Amendment Number Four to Master Repurchase Agreement (Securities), dated as of May 31, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.17 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (e)                                                                                                                                                                                                                                                                               |  | Amendment Number Five to Master Repurchase Agreement (Securities), dated as of June 1, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.18 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (f)                                                                                                                                                                                                                                                                               |  | Amendment Number Six to Master Repurchase Agreement (Securities), dated as of June 5, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.19 to Current Report on Form 8-K filed June 22, 2006).    
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (g)                                                                                                                                                                                                                                                                               |  | Amendment Number Seven to Master Repurchase Agreement (Securities), dated as of June 6, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.20 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (h)                                                                                                                                                                                                                                                                               |  | Amendment Number Eight to Master Repurchase Agreement (Securities), dated as of June 7, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.21 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (i)                                                                                                                                                                                                                                                                               |  | Amendment Number Nine to Master Repurchase Agreement (Securities), dated as of June 8, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.22 to Current Report on Form 8-K filed June 22, 2006).   
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (j)                                                                                                                                                                                                                                                                               |  | Amendment Number Ten to Master Repurchase Agreement (Securities), dated as of June 9, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR Investment
Corp. (incorporated by reference to Exhibit 10.23 to Current Report on Form 8-K filed June 22, 2006).    
|               |  |                                                                                                                                                                                                                                                                                  
|               |  | (k)                                                                                                                                                                                                                                                                               |  | Amendment Number Eleven to Master Repurchase Agreement (Securities), dated as of June 12, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.24 to Current Report on Form 8-K filed June 22, 2006).



---

|               |  |                                                                                                                                                                                                                                                          |  |                                                                                                                                                                                                                                                                                                            
|-------------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                                                             
|               |  | (l)                                                                                                                                                                                                                                                      |  | Amendment Number Twelve to Master Repurchase Agreement (Securities), dated as of June 13, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.25 to Current Report on Form 8-K filed June 22, 2006).  
|               |  |                                                                                                                                                                                                                                                         
|               |  | (m)                                                                                                                                                                                                                                                      |  | Amendment Number Thirteen to Master Repurchase Agreement (Securities), dated as of June 14, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.26 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                         
|               |  | (n)                                                                                                                                                                                                                                                      |  | Amendment Number Fourteen to Master Repurchase Agreement (Securities), dated as of June 15, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.27 to Current Report on Form 8-K filed June 22, 2006).
|               |  |                                                                                                                                                                                                                                                         
|               |  | (o)                                                                                                                                                                                                                                                      |  | Amendment Number Fifteen to Master Repurchase Agreement (Securities), dated as of June 16, 2006, by and among Wachovia Investment Holdings, LLC, Registrant, ECC Investment Corp. and ECR
Investment Corp. (incorporated by reference to Exhibit 10.28 to Current Report on Form 8-K filed June 22, 2006). 
|               | 
|10.20          |  | Asset Purchase Agreement, dated as of October 10, 2006, by and among Bear Stearns Residential Mortgage Corporation, Encore Credit Corp. and Registrant (incorporated by
reference to Exhibit 10.1 to Current Report on Form 8-K filed October 16, 2006).
|               | 
|10.21          |  | Form of 2004 Incentive Award Plan(incorporated by reference to Exhibit 10.39 to Registration Statement on Form S-11 filed February 8, 2005, Registration No. 333-118253).
*                                                                             
|               | 
|10.22          |  | Form of Stock Option Grant Notice and Non-Qualified Stock Option Agreement(incorporated by reference to Exhibit 10.40 to Registration Statement on Form S-11 filed February 10,
2005, Registration No. 333-118253). *                                   
|               | 
|10.23          |  | Form of Restricted Stock Award Grant Notice and Restricted Stock Award Agreement(incorporated by reference to Exhibit 10.41 to Registration Statement on Form S-11 filed February
10, 2005, Registration No. 333-118253). *                             
|               | 
|10.24          |  | Form of Indemnification Agreement(incorporated by reference to Exhibit 10.3 to Current Report on Form 8-K filed February 25, 2005). *                                                                                                                   
|               | 
|10.25          |  | Form of Employment Agreement by and between Steven G. Holder and Registrant(incorporated by reference to Exhibit 10.42 to Registration Statement on Form S-11 filed February 8,
2005, Registration No. 333-118253). *                                   
|               | 
|10.26          |  | Form of Employment Agreement by and between Shahid S. Asghar and Registrant(incorporated by reference to Exhibit 10.43 to Registration Statement on Form S-11 filed February 8,
2005, Registration No. 333-118253). *                                   
|               |  |                                                                                                                                                                                                                                                         
|               |  | (a)                                                                                                                                                                                                                                                      |  | Amendment to Employment Agreement by and between Shahid S. Asghar and Registrant(incorporated by reference to Exhibit 10.4 to Current Report on Form 8-K filed October 16, 2006).
*                                                                                                                        
|               | 
|10.27          |  | Form of Employment Agreement by and between John Kohler and Registrant(incorporated by reference to Exhibit 10.44 to Registration Statement on Form S-11 filed February 8, 2005,
Registration No. 333-118253). *                                        
|               |  |                                                                                                                                                                                                                                                         
|               |  | (a)                                                                                                                                                                                                                                                      |  | Separation and General Release Agreement, dated as of May 12, 2006, by and among Registrant, Encore Credit Corp. and John Kohler (incorporated by reference to Exhibit 10.1 to Current Report
on Form 8-K filed May 18, 2006).*                                                                            



---

|               |  |                                                                                                                                                                                                                      |  |                                                                                                                                                                                                                                 
|-------------- |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|Exhibit Number |  | Description                                                                                                                                                                                                         
|10.28          |  | Amended and Restated Employment Agreement by and between Roque A. Santi and Registrant (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed
April 9, 2007). *                             
|               | 
|10.29          |  | Form of Employment Agreement by and between Greg Lubushkin and Registrant (incorporated by reference to Exhibit 10.47 to Registration Statement on Form S-11 filed
February 8, 2005, Registration No. 333-118253). *
|               | 
|10.30          |  | Form of Employment Agreement by and between Troy Gotschall and Registrant (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed July 8,
2005)*                                             
|               |  |                                                                                                                                                                                                                     
|               |  | (a)                                                                                                                                                                                                                  |  | Separation and General Release Agreement, dated as of January 17, 2007, by and between Encore Credit Corp. and Troy Gotschall(incorporated by reference to Exhibit 10.1 to Current Report
on Form 8-K filed January 23, 2007). *
|               | 
|10.31          |  | Executive Bonus Plan (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed August 15, 2005).*                                                                                              
|               | 
|10.32          |  | Appendix to the Executive Bonus Plan for John Kohler (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed August 15, 2005). *                                                             
|               | 
|10.33          |  | Form of Retention Bonus Agreement (incorporated by reference to Exhibit 10.3 to Current Report on Form 8-K filed October 16, 2006).                                                                                 
|               | 
|10.34          |  | Employment Agreement by and between Larry Moretti and Registrant (incorporated by reference to Exhibit 10.6 to Current Report on Form 8-K filed October 16, 2006).*                                                 
|               | 
|10.35          |  | Employment Agreement by and between Alanna Darling and Registrant (incorporated by reference to Exhibit 10.7 to Current Report on Form 8-K filed October 16, 2006).*                                                
|               | 
|21.1           |  | List of Subsidiaries of Registrant (incorporate by reference to Exhibit 21.1 to the Annual Report on Form 10-K filed June 4, 2007).                                                                                 
|               | 
|23.1           |  | Consent of Independent Registered Public Accounting Firm (incorporated by reference to Exhibit 23.1 to the Annual Report on Form 10-K filed June 4, 2007).                                                          
|               | 
|31.1           |  | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act.                                                                                                                         
|               | 
|31.2           |  | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act.                                                                                                                         
|               | 
|32.1           |  | Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act.                                                                                                                         
|               | 
|32.2           |  | Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act.                                                                                                                         

---

|* | Management contract, compensatory plan or arrangement
|- | -----------------------------------------------------