Document:

Exhibit 10.6.15

   

  CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM
        THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED.

   

  AMENDMENT NO. 15 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 15 to Master Repurchase Agreement, dated as of October 6,
      2020 (this “Amendment”), between UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller are parties to (a) that certain Master Repurchase
      Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment No. 4, dated as of January 5, 2017, Amendment
      No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9, 2017, Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018, Amendment No. 9, dated as of October 19, 2018, Amendment No. 10, dated as of
      February 29, 2019, Amendment No. 11, dated as of September 20, 2019, Amendment No. 12, dated as of December 12, 2019, Amendment No. 13, dated as of July 6, 2020 and Amendment No. 14, dated as of September 18, 2020, the “Existing Repurchase
        Agreement”; and as further amended by this Amendment, the “Repurchase Agreement”) and (b) that certain Pricing Letter, dated as of September 20, 2019 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing

        Letter”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement and Pricing Letter, as applicable.

   

  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 promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

   

  SECTION 1. Limitation on Dividends and Distributions. Section 11(o)
      of the Existing Repurchase Agreement is hereby amended by deleting such Section in its entirety and replacing it with the following:

   

  (o)       Limitation on Dividends and Distributions.
      Except as permitted by Buyer in writing, Financial Reporting Party shall not make any payment on account of, or set apart assets for, a sinking or other analogous fund for the purchase, redemption, defeasance, retirement or other acquisition of any
      equity interest of Financial Reporting Party, whether now or hereafter outstanding, or make any other distribution or dividend in respect of any of the foregoing or to any shareholder or equity owner of Financial Reporting Party, either directly or
      indirectly, whether in cash or property or in obligations of Financial Reporting Party or any of its consolidated Subsidiaries in excess of (i) for the calendar year ending December 31, 2019, [***] (ii) for the calendar year ending December
      31, 2020, [***] (iii) for the calendar year ending December 31, 2021, [***] less any

   

    

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  amounts distributed in the calendar year ending December 31, 2020; and (iv)
      thereafter, [***] of the Net Income of Financial Reporting Party for the preceding calendar year (determined in accordance with GAAP); provided that no such payments, dividends or other distributions may be made at any time following the
      occurrence and during the continuation of an Event of Default.

   

  SECTION 2. Conditions Precedent. This Amendment shall become
      effective as of the date hereof (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 the Buyer and Seller;

   

  (b)       Amendment No. 5 to the Pricing Letter, dated as of the date hereof,
      executed and delivered by Buyer and Seller; and

   

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

   

  SECTION 3. Ratification of Agreement. As amended by this Amendment,
      the Existing Repurchase Agreement is in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 4. 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 Default or Event of Default has occurred or is continuing, and
      hereby confirms and reaffirms the representations and warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and
      constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms.

   

  SECTION 5. 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 6. Severability. Each provision and agreement herein shall
      be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

   

  SECTION 7. Counterparts. This Amendment may be executed in any
      number of counterparts, all of which taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be
      delivered pursuant to this Amendment and any

  

   

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  notices hereunder may be transmitted between them by email and/or by facsimile. Delivery of
      an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. The parties agree that this Amendment, any
      addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this Amendment may be accepted, executed or agreed to through the use of an electronic signature in accordance with the E-Sign, the
      UETA and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any
      secure third party electronic signature capture service providers, as long as such service providers use system logs and audit trails that establish a temporal and process link between the presentation of identity documents and the electronic
      signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s identity and evidence of the signer’s agreement to conduct the transaction electronically and of the signer’s
      execution of each electronic signature. The original documents shall be promptly delivered, if requested.

   

  SECTION 8. Binding Effect. This Amendment shall be binding upon and
      inure to the benefit of the parties hereto and their respective successors and assigns.

   

  SECTION 9. GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM,
        CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND
        CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL
        APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC
        TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

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  IN WITNESS WHEREOF, the Buyer and the Seller have caused their names to be signed hereto by
      their respective officers thereunto duly authorized as of the date first above written.

   

  

  	 	UBS AG, BY AND THROUGH ITS 

              BRANCH OFFICE AT 1285 AVENUE 

              OF THE AMERICAS, NEW YORK, 

              NEW YORK, as Buyer
	 	 	 
	 	By: 	/s/  Gary Timmerman
	 	 	Name:   Gary Timmerman
	 	 	Title:    Managing Director
	 	 	 
	 	By: 	/s/ Chi Ma
	 	 	Name:  Chi Ma
	 	 	Title:    Director

  

   

  Signature Page to Amendment No. 15 to Master Repurchase Agreement

   

  
     

    
      
 

  

   

  	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 	 	 
	 	By:	/s/  Joseph Ruhlin 
	 	 	Name:  Joseph Ruhlin
	 	 	Title:    Treasurer

  

   

  Signature Page to Amendment No. 15 to Master Repurchase AgreementExhibit 10.6.16

    

    

    AMENDMENT NO. 16 TO MASTER REPURCHASE AGREEMENT

    

    

    Amendment No. 16 to Master Repurchase Agreement, dated as of December 22, 2020 (this “Amendment”), between UBS AG, by and
      through its branch office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

    

    

    RECITALS

    

    

    The Buyer and the Seller are parties to (a) that certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by
      Amendment No. 1, dated as of May 4, 2016,  Amendment  No. 2,  dated  as  of  September  15,  2016,  Amendment  No.  3,  dated  as of September 28, 2016, Amendment No. 4, dated as of January 5, 2017, Amendment No. 5, dated as of October 6, 2017,
      Amendment No. 6, dated as of November 9, 2017, Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018, Amendment No. 9, dated as of October 19, 2018, Amendment No. 10, dated as of February 29, 2019, Amendment No. 11,
      dated as of September 20, 2019, Amendment No. 12, dated as of December 12, 2019,  Amendment No. 13, dated as of July 6, 2020, Amendment No. 14, dated as of September 18, 2020, and Amendment No. 15, dated as of October 6, 2020, the “Existing
        Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase Agreement”) and (b) that certain Pricing Letter, dated as of September 20, 2019 (as amended, restated, supplemented or otherwise modified from time to time,
      the “Pricing Letter”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement and Pricing Letter, as applicable.

    

    

    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 promises and mutual obligations set forth herein,
      that the Existing Repurchase Agreement is hereby amended as follows:

    

    

    SECTION 1. Limitation on Dividends and Distributions. Section 11(o) of the Existing Repurchase Agreement is hereby amended
      by deleting such Section in its entirety and replacing it with the following:

    

    

    (o) Limitation on Dividends and Distributions. During the occurrence and continuance of an Event of Default, Financial
      Reporting Party shall not make any payment on account of, or set apart assets for, a sinking or other analogous fund for the purchase, redemption, defeasance, retirement or other acquisition of any equity interest of Financial Reporting Party,
      whether now or hereafter outstanding, or make any other distribution or dividend in respect of any of the foregoing or to any shareholder or equity owner of Financial Reporting Party, either directly or indirectly, whether in cash or property or in
      obligations of Financial Reporting Party or any of its consolidated Subsidiaries.

    

    

    
      

      
        

      

    

    
    

    

    SECTION 2. Conditions Precedent. This Amendment shall become effective as of the date hereof (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 the Buyer and Seller;

            

      

      

      	

            	(b)	
              Amendment No. 7 to the Pricing Letter, dated as of the date hereof, executed and delivered by Buyer and Seller; and

            

      

      

      	

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

            

    

    

    SECTION 3. Ratification of Agreement. As amended by this Amendment, the Existing Repurchase Agreement is in all respects
      ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

    

    

    SECTION 4. 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 Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and
      warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and binding obligation, enforceable
      against it in accordance with its terms.

    

    

    SECTION 5. 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 6. Severability. Each provision and agreement herein shall be treated as separate and independent from any other
      provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

    

    

    SECTION 7. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall
      constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices
      hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed
      original counterpart of this Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this Amendment may be accepted, executed or agreed
      to through the use of an electronic signature in accordance with the E-Sign, the UETA and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as
      if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service providers, as long as such service providers use system logs and audit trails that establish a temporal and
      process link between the presentation of identity documents and the electronic signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s identity and evidence of the
      signer’s agreement to conduct the transaction electronically and of the signer’s execution of each electronic signature. The original documents shall be promptly delivered, if requested.

    

    

    
      

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    SECTION 8. Binding Effect.  This Amendment shall be binding upon and inure to the benefit of the parties hereto and their
      respective successors and assigns.

    

    

    SECTION 9. GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED
      TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND
      DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO
      THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

    

    

    [SIGNATURE PAGES FOLLOW]

    

    

    
      

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    IN WITNESS WHEREOF, the Buyer and the Seller have caused their names to be signed hereto by their respective officers thereunto duly
      authorized as of the date first above written.

    

    

    	 	
            UBS AG, BY AND THROUGH ITS 

            BRANCH OFFICE AT 1285 AVENUE 

            OF THE AMERICAS, NEW YORK, 

            NEW YORK, as Buyer

          
	 	 	 	 
	 	
            By:

          	/s/ Gary Timmerman
	 	 	
            Name:

          	
            Gary Timmerman

          
	 	 	
            Title:

          	
            Managing Director

          
	 	 	 	 
	 	
            By:

          	/s/ Chi Ma
	 	 	
            Name:

          	
            Chi Ma

          
	 	 	
            Title:

          	
            Director

          

    

    

    Signature Page to Amendment No. 16 to Master Repurchase Agreement

    
      

      
        

      

    

    

    

    	 	
            HOME POINT FINANCIAL

             

            CORPORATION, as Seller

          
	 	 	 	 
	 	
            By:

          	Joseph Ruhlin
	 	 	
            Name:

          	
            Joseph Ruhlin

          
	 	 	
            Title:

          	
            Treasurer

          

    

    

    Signature Page to Amendment No. 16 to Master Repurchase Agreement

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