Document:

EX-10.23

 Exhibit 10.23 

AMENDMENT NO. 2 TO 

INVESTOR RIGHTS AGREEMENT 

This is Amendment No. 2 (this “Amendment”), dated as of September 29, 2013, to the Investor Rights Agreement (the
“Agreement”), made as of March 9, 2012, and amended by Amendment No. 1, dated as of May 15, 2013, by and between Stonegate Mortgage Corporation, an Ohio corporation, (the “Company”) and Stonegate
Investors Holdings LLC, a Delaware limited liability company (the “Purchaser”). Capitalized terms used herein and not otherwise defined herein shall have the meanings assigned thereto in the Agreement. 

RECITALS 
 WHEREAS,
in connection with the purchase by the Purchaser of shares of the Company’s Series D Convertible Preferred Stock, $0.001 par value per share (the “Series D Preferred Stock”) on March 9, 2012, the Agreement was executed and
delivered; 
 WHEREAS, on May 15, 2013, the Company issued shares of its common stock, $0.01 par value per share (the
“Common Stock”) in a private offering (the “Private Offering”) and in connection therewith entered into a Registration Rights Agreement (the “Registration Rights Agreement”), dated as of
May 15, 2013, with FBR Capital Markets & Co.; 
 WHEREAS, the Purchaser has converted its shares of Series D Preferred
Stock into shares of Common Stock in connection with the consummation of the Private Offering and the execution and delivery of Amendment No. 1 to the Agreement; and 

WHEREAS, pursuant to Section 5.1 of the Agreement, the parties hereto hereby amend the Agreement as set forth herein; 

NOW, THEREFORE: In consideration of the mutual promises and covenants set forth herein, and other consideration, the receipt and
adequacy of which is hereby acknowledged, the parties hereto agree as follows: 
 1. Section 2.1(b)(ii) of the Agreement (Requested
Registration) is hereby amended to replace “$10,000,000” with “$15,000,000”. 
 2. Section 2.3(b)(ii) of the
Agreement (Registration on Form S-3 or other Short Form) is hereby amended to replace “$5,000,000” with “$10,000,000”. 

3. Section 2.3(b)(iii) of the Agreement (Registration on Form S-3 or other Short Form) is hereby amended and restated in its
entirety as follows: 
 “If, in a given twelve-month period, the Company has consummated three (3) registrations in such period on
behalf of Holders of Registrable Securities or the Company has previously effectuated five (5) registrations pursuant to this Section 2.3;” 

 4. Section 2.12 of the Agreement (Termination of Registration Rights) is hereby amended and
restated in its entirety as follows: 
 “The right of any Holder to request registration or inclusion in any
registration pursuant to Sections 2.1, 2.2 or 2.3 shall terminate on the earlier of (i) such date, on or after the closing of the Company’s first registered public offering of Common Stock when all shares of Common
Stock issuable upon conversion of all of the Registrable Securities of such Holder are sold pursuant to such registration or may immediately be sold without limitation under Rule 144 or other similar applicable law, rule or regulation during any
consecutive ninety (90)-day period, and (ii) five (5) years after the closing of the Company’s first Qualified Public Offering; provided, however, that no such termination shall have any effect upon the obligations of the Company in
respect of any registration requested prior to the date of such termination.” 
  

	 	8.	Governing Law 

 This Amendment shall be governed by the internal laws of the State of New
York, without regard to principles of conflicts of law. 
  

	 	9.	Entire Agreement 

 The Agreement, as amended hereby, and the exhibits hereto (when
executed) constitute the full and entire understanding and agreement between the parties with regard to the subject matter hereof, and any other written or oral agreement relating to the subject matter hereof existing between the parties is
expressly canceled. 
  

	 	10.	Counterparts 

 This Amendment may be executed in two or more counterparts, each of which
shall be deemed an original, but all of which together shall constitute one and the same instrument. Counterparts may be delivered via facsimile, electronic mail (including .pdf) or other transmission method and any counterpart so delivered shall be
deemed to have been duly and validly delivered and be valid and effective for all purposes. 
  

	 	11.	Severability 

 The invalidity or unenforceability of any provision hereof shall in no way
affect the validity or enforceability of any other provision. 
 [Remainder of Page Intentionally Left Blank] 

  
 -2- 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment to the Investor Rights
Agreement effective as of the day and year first above written. 
  

			
	STONEGATE MORTGAGE CORPORATION
		
	By:	 	 /s/ James J. Cutillo

	Print name:	 	James J. Cutillo
	Title:	 	Chief Executive Officer

  

			
	STONEGATE INVESTORS HOLDINGS LLC
		
	By:	 	 /s/ Kevin Bhatt

	Print name:	 	Kevin Bhatt
	Title:	 	Vice President

 [SIGNATURE PAGE TO AMENDMENT NO. 2 TO INVESTOR RIGHTS
AGREEMENT] 

  
 -3-EX-10.24

 Exhibit 10.24 

AMENDMENT NO. 2 TO 

AMENDED AND RESTATED SHAREHOLDERS’ AGREEMENT 

This is Amendment No. 2 (this “Amendment”), dated as of September 29, 2013, to the Amended and Restated
Shareholders’ Agreement (the “Agreement”), dated as of March 9, 2012, and amended by Amendment No. 1, dated as of May 15, 2013, is by and among Stonegate Mortgage Corporation, an Ohio corporation (the
“Company”), Stonegate Investors Holdings LLC, a Delaware limited liability company (the “Purchaser” or the “Investor”), and those certain other stockholders of the Company signatories hereto (the
“Other Stockholders”, and together collectively with the Purchaser, the “Stockholders”). 
 RECITALS

 WHEREAS, in connection with the purchase by the Purchaser of shares of the Company’s Series D Convertible Preferred
Stock, $0.001 par value per share (the “Series D Preferred Stock”) on March 9, 2012, the Agreement was executed and delivered; 

WHEREAS, on May 15, 2013, the Company issued shares of its common stock, $0.01 par value per share (the “Common
Stock”) in a private offering (the “Private Offering”) and in connection therewith entered into a Registration Rights Agreement (the “Registration Rights Agreement”), dated as of May 15, 2013, with FBR
Capital Markets & Co.;  
 WHEREAS, all shares of the Company’s Series B and Series C Preferred Stock have been
converted into shares of Common Stock or redeemed by the Company; 
 WHEREAS, the Purchaser has converted its shares of Series D Preferred
Stock into shares of Common Stock in connection with the consummation of the Private Offering and the execution and delivery of Amendment No. 1 to the Agreement; and 

WHEREAS, pursuant to Section 7.9 of the Agreement, the parties hereto hereby amend the Agreement as set forth herein; 

NOW, THEREFORE, in consideration of the mutual promises and covenants set forth herein, and other consideration, the receipt and adequacy of
which are hereby acknowledged, the parties hereto agree as follows: 
 1. Capitalized terms used herein and not otherwise defined herein
shall have the meanings assigned thereto in the Agreement. 
 2. Section 2.2(b) of the Agreement (Board Composition) is hereby amended
and restated in its entirety as follows: 
 “at any time that clause (a) of this Section 2.2 above is
not applicable, so long as the Purchaser beneficially owns at least 15% of the shares of Common Stock outstanding, two individuals designated by the Purchaser;” 

	 	3.	Miscellaneous.  

 3.1 Governing Law. This Amendment shall be
governed by the internal law of the State of New York, without regard to principles of conflicts of law. 
 3.2 Counterparts.
This Amendment may be executed in two or more counterparts, each of which shall be deemed an original, but all of which together shall constitute one and the same instrument. Counterparts may be delivered via facsimile, electronic mail (including
..pdf) or other transmission method and any counterpart so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purposes. 

3.3 Severability. The invalidity or unenforceability of any provision hereof shall in no way affect the validity or
enforceability of any other provision. 
 3.4 Entire Agreement. The Agreement (including the Exhibits hereto), as amended
hereby, and the Amended Articles constitute the full and entire understanding and agreement between the parties with respect to the subject matter hereof, and any other written or oral agreement relating to the subject matter hereof existing between
the parties is expressly canceled. 
 3.5 Spousal Consent. If any individual Stockholder is married on the date of this
Amendment and is a resident of Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin, or the Commonwealth of Puerto Rico, such Stockholder’s spouse shall execute and deliver to the Company a consent of
spouse in the form of Exhibit 1 hereto (“Consent of Spouse”). Notwithstanding the execution and delivery thereof, such consent shall not be deemed to confer or convey to the spouse any rights in such Stockholder’s
Company Securities that do not otherwise exist by operation of law. If any such individual Stockholder should marry or remarry subsequent to the date of this Amendment, such Stockholder shall within 30 days thereafter obtain his/her new
spouse’s acknowledgement of and consent to the existence and binding effect of all restrictions contained in this Amendment by causing such spouse to execute and deliver a Consent of Spouse acknowledging the restrictions and obligations
contained in this Amendment and agreeing and consenting to the same. 

  
 2 

 IN WITNESS WHEREOF, the parties have executed this Amendment No. 2 to the Amended and
Restated Shareholders’ Agreement as of the date first written above. 
  

			
	STONEGATE MORTGAGE CORPORATION
		
	 By:
	 	 /s/ James J. Cutillo

	 Name: James J. Cutillo

	 Title: CEO

 [Separate Other Stockholder and Investor Signature Pages Attached] 

[Amendment No. 2 to Amended and Restated Shareholders’ Agreement] 

  
 S-1 

 The below named Stockholders have executed this signature page as a party to that certain
Amendment No. 2 to the Amended and Restated Shareholders’ Agreement dated as of the date first written above by and among Stonegate Mortgage Corporation and the Other Stockholders and the Investors named therein. 

 

			
	PURCHASER:
	
	STONEGATE INVESTORS HOLDINGS LLC
		
	By:	 	 /s/ Kevin Bhatt

	Name: Kevin Bhatt
	Title: Vice President
	
	OTHER STOCKHOLDERS:
	
	 /s/ James J. Cutillo

	James J. Cutillo
	
	 /s/ Daniel J. Bettenburg

	Daniel J. Bettenburg
	
	LONG RIDGE OFFSHORE SUBSIDIARY HOLDINGS, LLC
		
	By:	 	 /s/ Kevin Bhatt

	Name: Kevin Bhatt
	Title: Vice President
	
	LONG RIDGE EQUITY PARTNERS, LLC
		
	By:	 	 /s/ Kevin Bhatt

	Name: Kevin Bhatt
	Title: Partner

 [Amendment No. 2 to Amended and Restated Shareholders’ Agreement] 

 EXHIBIT 1 

CONSENT OF SPOUSE 
 I,
[            ], spouse of [            ], acknowledge that I have read Amendment No. 2 to the Amended and Restated
Shareholders’ Agreement, dated as of September 29, 2013, to which this Consent is attached as Exhibit 2 (the “Agreement”), and that I know the contents of the Amendment. I am aware that the Amendment contains
provisions regarding the voting of capital stock of the Company that my spouse may own, including any interest I might have therein. 
 I
hereby agree that my interest, if any, in any shares of capital stock of the Company subject to the Agreement shall be irrevocably bound by the Agreement and further understand and agree that any community property interest I may have in such shares
of capital stock of the Company shall be similarly bound by the Agreement. 
 I am aware that the legal, financial and related matters
contained in the Amendment are complex and that I am free to seek independent professional guidance or counsel with respect to this Consent. I have either sought such guidance or counsel or determined after reviewing the Amendment carefully that I
will waive such right. 
  

							
	 Dated:
	 		 		 	  

		 		 		 	 [Name of Other Stockholder’s Spouse, if any]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00221-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00221-of-00352.parquet"}]]