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                                                                   EXHIBIT 10.12

                                 AMENDMENT NO. 6
                         TO MASTER REPURCHASE AGREEMENT

                  Amendment No. 6, dated as of May 1, 2003 (this "Amendment"),
between CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC (the "Buyer") and OAK
STREET MORTGAGE LLC (formerly known as Cresleigh Financial Services LLC (the
"Seller").

                                    RECITALS

                  The Buyer and the Seller are parties to that certain Master
Repurchase Agreement, dated as of March 1, 2002, as amended by Amendment No. 1,
dated as of May 30, 2002, Amendment No. 2, dated as of September 29, 2002,
Amendment No. 3, dated as of October 30, 2002, Amendment No. 4, dated as of
December 16, 2002 and Amendment No. 5, dated as of February 27, 2003 (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. Definitions. The Existing Repurchase Agreement is
hereby amended by deleting the definition of "Termination Date" in its entirety
and replacing it with the following:

                  "Termination Date" means the earlier of (a) May 15, 2003, and
(b) the date of the occurrence of an Event of Default.

                  SECTION 2. Conditions Precedent. This Amendment shall become
effective on May 1, 2003 (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 the Seller;

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




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                  SECTION 3. Representations and Warranties. The Seller hereby
represents and warrants to the Buyer that it is in compliance with all the terms
and provisions set forth in the Repurchase Agreement on its 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]

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                  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: /s/ Jeffrey A. Detwiler
                                    --------------------------------------------
                                    Name: Jeffrey A. Detwiler
                                    Title: Managing Director

Seller:

                                OAK STREET MORTGAGE LLC
                                as Seller

                                By: /s/ Craig L. Royal
                                    --------------------------------------------
                                    Name: Craig L. Royal
                                    Title: Chief Financial Officer