CONSULTING AGREEMENT

         AGREEMENT  made this 28th day of  September,  2000,  by and  between EB
Consulting, a joint venture of Ed Heil and Bret Jenkins, hereinafter referred to
as the  "Consultant,"  and Community Home Mortgage  Corporation  whose principal
place of  business  is  located  at 510  Broadhollow  Road,  Melville,  NY 11747
hereinafter referred to as "Company."

         WHEREAS,  the Company  desires to engage the services of the Consultant
to perform  consulting  services for the Company  regarding its current business
and planned future business as an independent contractor and not as an employee;
and

         WHEREAS, Consultant desires to consult with the Board of Directors, the
officers of the Company, and the administrative  staff, and to undertake for the
Company   consultation  as  to  the  direction  of  certain  functions  in  said
management;

         NOW, THEREFORE, it is agreed as follows:

1.       Term. The respective duties and obligations of the contracting  parties
         shall be for a period of one year.

2.       Consultations.  Consultant shall be available to consult with the Board
         of  Directors,  the  officers  of the  Company,  and the  heads  of the
         administrative   staff,  at  reasonable   times,   concerning   matters
         pertaining  to the general  business  management  of the  Company,  the
         fiscal  policies of the Company,  the  relationship of the Company with
         its employees or with any organization representing its employees, and,
         in general,  the important  problems of concern in the business affairs
         of the Company.  Consultant shall not represent the Company,  its Board
         of  Directors,  its officers or any other members of the Company in any
         transactions or  communications  nor shall  Consultant make claim to do
         so. Consultant  understands that certain  information to be provided by
         the Company concerning the business and operations of the Company,  its
         subsidiaries,  and affiliates will be confidential information and will
         be treated by  Consultant  as such.  Consultant  will not,  directly or
         indirectly,   make  use  of  such   information  or  divulge  any  such
         information to others except as authorized by the Company.

3.       Liability.  With  regard  to  the  services  to  be  performed  by  the
         Consultant  pursuant  to the terms of this  agreement,  the  Consultant
         shall  not be  liable to the  Company,  or to anyone  who may claim any
         right due to any  relationship  with the  Corporation,  for any acts or
         omissions in the  performance of services on the part of the Consultant
         or on the part of the agents or  employees  of the  Consultant,  except
         when  said  acts or  omissions  of the  Consultant  are due to  willful
         misconduct or gross  negligence.  The Company shall hold the Consultant
         free and  harmless  from any  obligations,  costs,  claims,  judgments,
         attorneys'  fees,  and  attachments  arising from or growing out of the
         services  rendered  to the  Company  pursuant  to  the  terms  of  this
         agreement  or in any way  connected  with the  rendering  of  services,
         except when the same shall arise due to the willful misconduct or gross
         negligence  of the  Consultant  and the  Consultant  is  adjudged to be
         guilty  of  willful  misconduct  or  gross  negligence  by a  court  of
         competent jurisdiction.

4.       Compensation.  The  Consultant  shall  receive  compensation  from  the
         Company  for the  performance  of the  services  to be  rendered to the
         Company  pursuant  to the terms of the  agreement  $100,000  or two and
         one-half percent (2.5%) of the issued and outstanding  shares of common
         stock of the Company,  at the Company's  option.  If payment is made in
         the  form of  common  stock,  such  shares  of  common  stock  shall be
         deposited in an escrow  account with a law firm selected by the Company
         and be subject to a mutually acceptable escrow agreement. If Company is
         unable to clear  comments  received  from the  Securities  and Exchange
         Commission  relating  to the  Information  Statement  or Form 10,  then
         Company shall be entitled to a refund of all shares of its common stock
         previously  paid to Consultant  The common stock shall be registered as
         soon as practicable with the Securities and Exchange Commission on Form
         S-8 or  other  form of  registration  if Form S-8 is not  available  at
         Consultant's  expense.  In addition,  the Company  shall  reimburse the
         Consultant for any reasonable  out of pocket  expenses  incurred by the
         Consultant  pursuant to the terms of this  agreement that were approved
         by the Company.

5.       Arbitration.  Any  controversy  or claim  arising out of or relating to
         this Agreement, or the breach thereof, shall be resolved by arbitration
         in accordance of the rules of the American  Arbitration  Association in
         the City of New  York,  and  judgment  upon the award  rendered  by the
         arbitrator(s)  shall  be  entered  in  any  court  having  jurisdiction
         thereof.   For  that  purpose,   the  parties  hereto  consent  to  the
         jurisdiction  and venue of an  appropriate  court  located  in New York
         County,  State of New York. In the event that arbitration  results from
         or  arises  out  of  this  Agreement  or  the  performance  thereof  or
         litigation to enforce any award entered  therein,  the parties agree to
         reimburse the prevailing  party's  reasonable  attorney's  fees,  court
         costs,  and all other expenses,  whether or not taxable by the court as
         costs,  in addition to any other relief to which the  prevailing  party
         may be  entitled.  In the event of any such  claim or  controversy,  no
         action shall be entertained by said  arbitration if initiated more than
         one year subsequent to the date the cause(s) of action actually accrued
         regardless  of  whether   damages  were   otherwise  as  of  said  time
         calculable.

         IN WITNESS WHEREOF,  the parties have hereunto  executed this Agreement
on the 28th day of September, 2000.

COMMUNITY HOME MORTGAGE CORPORATION



By:
   ----------------------------
Its:



EB CONSULTING

By: /s/ Ed Heil
   ---------------------------
   Ed Heil, Partner

By: /s/ Bret Jenkins
   ---------------------------
   Bret Jenkins