Exhibit 10.1

TENTH AMENDMENT TO  FIRST AMENDED AND RESTATED  WAREHOUSING CREDIT AND SECURITY AGREEMENT

THIS
TENTH AMENDMENT TO FIRST AMENDED AND RESTATED WAREHOUSING CREDIT AND SECURITY AGREEMENT (this "Amendment") is entered into as of this 1 st day of August, 2001, by and between MONUMENT MORTGAGE,
INC., a California corporation ("Borrower") and RESIDENTIAL FUNDING CORPORATION, a Delaware corporation ("Lender").

WHEREAS,
Borrower and Lender have entered into a single family revolving warehouse facility with a present Commitment Amount of $25,000,000, to finance Mortgage Loans as evidenced by a First Amended
and Restated Promissory Note in the principal sum of $85,000,000 dated as of August 22, 2000 (the "Note"), and by a First Amended and Restated Warehousing Credit and Security Agreement dated as of
August 9, 1999, as the same may have been amended or supplemented (the "Agreement"); and

WHEREAS,
Borrower has requested that Lender extend the period for which the Commitment under the Agreement has been made and amend certain other terms of the Agreement, and Lender has agreed to such
extension of the Agreement and amendment of the Agreement, subject to the terms and conditions of this Amendment.

NOW,
THEREFORE, for and in consideration of the foregoing and of the mutual covenants, agreements and conditions hereinafter set forth and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as follows:



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IN
WITNESS WHEREOF, Borrower and Lender have caused this Amendment to be duly executed on their behalf by their duly authorized officers as of the day and year above written.

| |  | MONUMENT MORTGAGE, INC.,
a California corporation      
| |  | -------------------------------------------------------
| |  | By:                                                    
| |  |                                                        
| |  | Its:                                                   
| |  |                                                        
| |  | RESIDENTIAL FUNDING CORPORATION,
a Delaware corporation
| |  | By:                                                    
| |  |                                                        
| |  | Its:                                                   
| |  |                                                        

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CONSENT OF GUARANTOR

The undersigned, being the Guarantor under the Guaranty dated as of August 9, 1999, hereby consents to the foregoing Amendment and the transactions
contemplated thereby and hereby modifies and reaffirms its obligations under its Guaranty so as to include within the term "Guaranteed Debt" the indebtedness, obligations and liabilities of Borrower
under this Amendment and the Note. The Guarantor hereby reaffirms that its obligations under its Guaranty are separate and distinct from Borrower's obligations to Lender, and that its obligations
under the Guaranty are in full force and effect, and hereby waives and agrees not to assert any anti-deficiency protections or other rights as a defense to its obligations under the Guaranty, all as
more fully set forth in the Guaranty, the terms of which are incorporated herein as if fully set forth herein.

|Dated: |  |  |  |                                         |  | 
|------ |  |  |  | --------------------------------------- |  | 
|       |  |  |  |                                         |  | 
|       |  |  |  | FiNET.COM, INC.,
a Delaware corporation
|       |  |  |  | By:                                     |  | 
|       |  |  |  |                                         |  | 
|       |  |  |  | Its:                                    |  | 
|       |  |  |  |                                         |  | 

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