12312001 Form 10-K Exhbit 10.157






                                            Exhibit 10.157


AMENDMENT NUMBER SIX

to the

Master Loan and Security Agreement

Dated as of May 10, 1999

by and between

E-LOAN, INC.

and

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

This AMENDMENT NUMBER SIX is made this 1st day of February, 2002, by and
between E-LOAN, INC., having an address at 5875 Arnold Road, Dublin, California
94568 (the "Borrower") and GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,
having an address at 600 Steamboat Road, Greenwich, Connecticut 06830 (the
"Lender"), to the Master Loan and Security Agreement, dated as of
May 10, 1999, by and between the Borrower and the Lender, as amended (the
"Agreement").  Capitalized terms used but not otherwise defined herein
shall have the meanings assigned to such terms in the Agreement.

RECITALS

WHEREAS, the Borrower has requested that the Lender agree to amend the
Agreement to extend the Termination Date thereunder for an additional period of
thirty days;

WHEREAS, in order to induce Lender to enter into this Amendment Number Six,
the Borrower has agreed to pay the Lender a commitment fee equal to $41,666.67;
and

WHEREAS, the Borrower and the Lender have agreed to amend the Agreement as
set forth herein.

NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and for the mutual covenants
herein contained, the parties hereto hereby agree as follows:

SECTION 1.  Effective as of February 1, 2002, Section 1 of the
Agreement is hereby amended by deleting the definition of Termination Date and
replacing it with the following:
"Termination Date" shall mean March 21, 2002, or such earlier
date on which this Loan Agreement shall terminate in accordance with the
provisions hereof or by operation of law, as same may be extended pursuant to
Section 2.09.



SECTION 2.  Commitment Fee.  In order to induce the Lender to enter
into this Amendment Number Six with the Borrower, the Borrower hereby agrees to
pay to the Lender a commitment fee equal to $41,666.67 to be paid to the Lender
upon execution of this Amendment Number Six.  Such commitment fee shall be paid
in dollars, in immediately available funds, in accordance with the Lender's
instructions.  This Amendment Number Six shall be effective upon Lender's
receipt of such commitment fee.

SECTION 3.  Defined Terms.  Any terms capitalized but not otherwise
defined herein should have the respective meanings set forth in the
Agreement.

SECTION 4.  Limited Effect.  Except as amended hereby, the Agreement
shall continue in full force and effect in accordance with its terms.  Reference
to this Amendment need not be made in the Agreement or any other instrument or
document executed in connection therewith, or in any certificate, letter or
communication issued or made pursuant to, or with respect to, the Agreement, any
reference in any of such items to the Agreement being sufficient to refer to the
Agreement as amended hereby.

SECTION 5.  Representations.  In order to induce the Lender to execute
and deliver this Amendment Number Six, the Borrower hereby represents to the
Lender that as of the date hereof, the Borrower is in full compliance with all
of the terms and conditions of the Agreement and no Default or Event of Default
has occurred and is continuing under the Agreement.

SECTION 6.  Governing Law.  This Amendment Number Six shall be
construed in accordance with the laws of the State of New York and the
obligations, rights, and remedies of the parties hereunder shall be determined
in accordance with such laws without regard to conflict of laws doctrine applied
in such state (other than Section 5-1401 of the New York General
Obligations Law).

SECTION 7.  Counterparts.  This Amendment Number Six 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.

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1N WITNESS WHEREOF, the Borrower and the Lender have caused this Amendment
Number Six to be executed and delivered by their duly authorized officers as of
the day and year first above written.
E-LOAN, INC.

(Borrower)
By:

Name:  

Title:  


GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

(Lender)
By:

Name:  Anthony Palmisano

Title:  Vice President