EXHIBIT 10.23


                               AMENDMENT NO. 14
                        TO MASTER REPURCHASE AGREEMENT

           Amendment No. 14, dated as of  March 31, 2004 (this  "Amendment"),
 between CREDIT SUISSE FIRST  BOSTON MORTGAGE CAPITAL  LLC (the "Buyer")  and
 UNITED FINANCIAL MORTGAGE CORP. (the "Seller").

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

           The Buyer and  the Seller have  agreed, subject to  the terms  and
 conditions of  this Amendment,  that the  Existing Repurchase  Agreement  be
 amended to  reflect  certain agreed  upon  revisions  to the  terms  of  the
 Existing Repurchase Agreement.

           Accordingly,  the   Buyer  and   the  Seller   hereby  agree,   in
 consideration of  the  mutual  premises and  mutual  obligations  set  forth
 herein, that the Existing Repurchase Agreement is hereby amended as follows:

           Section 1. Amendments.

           1.1 Definitions. Section 2 of the Existing Repurchase Agreement is
 hereby amended by:

           (a) deleting the definition of "Maximum Aggregate Purchase  Price"
      in its entirety and replacing it with the following language:

          ""Maximum Aggregate  Purchase  Price" means  ONE  HUNDRED  MILLION
      DOLLARS ($100,000,000)."

           (b) deleting clause (xiii) of the definition of "Market Value"  in
      its entirety and replacing it with the following:

           "(xiii) when the Purchase Price  for such Purchased Mortgage  Loan
      is added  to other  Purchased Mortgage  Loans, the  aggregate  Purchase
      Price of all Sub-Prime Mortgage Loans that are Purchased Mortgage Loans
      exceeds $20 million;"

           Section 2. Conditions  Precedent.   This  Amendment  shall  become
 effective on March 31, 2004 (the "Amendment Effective Date"), subject to the
 satisfaction of the following conditions precedent:

           2.1 Delivered Documents. On the Amendment Effective Date, the  Buyer
 shall have  received  the  following  documents,  each  of  which  shall  be
 satisfactory to the Buyer in form and substance:

           (a) this Amendment, executed and  delivered by  a duly  authorized
      officer of the Buyer and Seller;

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

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

           Section 4. Limited  Effect.  Except  as   expressly  amended   and
 modified by this Amendment, the Existing Repurchase Agreement shall continue
 to be, and shall  remain, in full  force and effect  in accordance with  its
 terms.

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

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

                           [SIGNATURE PAGE FOLLOWS]



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

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

                             By: _____________________________
                                 Name:
                                 Title:


 Seller:                     UNITED FINANCIAL MORTGAGE CORP.,
                             as Seller

                             By: _____________________________
                                 Name:
                                 Title: