Exhibit 10.65
 Huntington National Bank Logo
 
 Huntington National Bank
 
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20733HU/C050508F/109649




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This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1




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2.
 Trade Date
    
    :
    
    Apr 30, 2008Effective Date
    
    :
    
    May 05, 2008Termination Date
    
    :
    
    May 05, 2011 subject to adjustment in accordance with the Modified Following Business Day ConventionNotional Amount
    
    :
    
    USD 175,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National BankFloating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Jun 05, 2008 and ending with the Termination Date subject to adjustment in accordance with the Modified Following Business Day ConventionFloating Rate Option
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Jun 05, 2008 and ending with the Termination Date subject to adjustment in accordance with the Modified Following Business Day Convention




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Fixed Rate
    
    :
    
    3.47000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    LondonBusiness Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit Management Corporat in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Franklin Credit Management CorporatAccount Number
    
    :
    
    01899715877Payments to Huntington National Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    130000502044. OFFICES:The office of the Counterparty for the Transaction is:Franklin Credit Management Corporation

101 Hudson Street 25th Floor

Jersey City, NJ

07302Tel: (201) 604-4402




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Best Regards,Huntington National Bank
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: Chief Executive Officer




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Huntington National Bank Logo
 
 Huntington National Bank
 
 Tel: 614-480-5464
    
    Fax: 614-480-3232
 
 INTEREST RATE SWAP CONFIRMATION
  TO:
    
    Franklin Credit Management CorporationPaul Colasono101 Hudson Street 25th FloorJersey City, NJ07302
 20734HU/C050508G/109651




---



##### 



This facsimile transmission will be the only written communication regarding this Swap Transaction
exchanged between us and will be deemed for all purposes an original document, unless you request
that we sign hard copy versions of this Confirmation. Please contact the individual indicated in
the last paragraph of this letter to receive such copies.
    1
 2




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##### 



Trade Date
    
    :
    
    Apr 30, 2008Effective Date
    
    :
    
    May 05, 2008Termination Date
    
    :
    
    Mar 05, 2011 subject to adjustment in accordance with the Modified Following Business Day ConventionNotional Amount
    
    :
    
    USD 100,000,000.00FLOATING AMOUNTSFloating Rate Payer
    
    :
    
    Huntington National BankFloating Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Jun 05, 2008 and ending with the Termination Date subject to adjustment in accordance with the Modified Following Business Day  ConventionFloating Rate Option
    
    :
    
    USD-LIBOR-BBADesignated Maturity
    
    :
    
    1 monthSpread
    
    :
    
    NoneFloating Rate Day Count Fraction
    
    :
    
    ACTUAL /360Reset Dates
    
    :
    
    The first day of each Calculation PeriodCompounding
    
    :
    
    InapplicableFIXED AMOUNTSFixed Rate Payer
    
    :
    
    Franklin Credit Management CorporationFixed Rate Payer Payment Dates
    
    :
    
    Monthly on the 5th commencing Jun 05, 2008 and ending with the Termination Date subject to adjustment in accordance with the Modified Following Business Day ConventionFixed Rate
    
    :
    
    3.47000 % per annumFixed Rate Day Count Fraction
    
    :
    
    ACTUAL /360Calculation Agent
    
    :
    
    Huntington National BankBusiness Days for Fixings in USD
    
    :
    
    London




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Business Days for Payments in USD
    
    :
    
    New York & London3. CASH SETTLEMENT INSTRUCTIONSPayments to Franklin Credit
Management Corporat in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Franklin Credit Management CorporatAccount Number
    
    :
    
    01899715877Payments to Huntington National
Bank in USDTo
    
    :
    
    Huntington National BankFavor Of
    
    :
    
    Huntington National BankABA Number
    
    :
    
    044000024Account Number
    
    :
    
    130000502044. OFFICES:The office of the Counterparty for
the Transaction is:Franklin Credit Management Corporation101 Hudson Street 25th FloorJersey City, NJ07302Tel: (201) 604-4402Fax:The office of Huntington National
Bank for the Transaction is:Huntington National Bank
    
    :Huntington Center41 S High StreetColumbus, OH43215Tel: 614-480-5464Fax: 614-480-3232




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Huntington National Bank
    
    Franklin Credit Management Corporation/s/ Scott Kleinman
    
    /s/ Paul ColasonoName: Scott Kleinman
    
    Name: Paul ColasonoTitle: Senior Vice President
    
    Title: CFO/s/ Alexander Gordon JardinName: Alexander Gordon JardinTitle: Chief Executive Officer