Document:

<PAGE>
                                                                    EXHIBIT 10.5

                               FOURTH AMENDMENT TO
                           FIRST AMENDED AND RESTATED
                    WAREHOUSING CREDIT AND SECURITY AGREEMENT

FOURTH AMENDMENT TO FIRST AMENDED AND RESTATED WAREHOUSING CREDIT AND SECURITY
AGREEMENT (this "Amendment") dated as of December 8, 2003, between OAK STREET
MORTGAGE LLC, a Delaware limited liability company ("Oak Street LLC"), OAK
STREET MORTGAGE, INC., a Delaware corporation ("Oak Street Inc."), and OAK
STREET MORTGAGE OF TENNESSEE LLC, a Tennessee limited liability company ("Oak
Street TN") ("Oak Street LLC, Oak Street Inc. and Oak Street TN are collectively
referred to as "Borrower") and RESIDENTIAL FUNDING CORPORATION, a Delaware
corporation ("Lender").

A.    Borrower and Lender have entered into a revolving mortgage warehousing
      facility with a present Warehousing Commitment Amount of $200,000,000,
      which is evidenced by a First Amended and Restated Warehousing Promissory
      Note dated August 31, 2002, a Sublimit Promissory Note dated August 31,
      2002 (the "Notes"), and by a First Amended and Restated Warehousing Credit
      and Security Agreement dated as of August 31, 2002 (as the same may have
      been and may be amended or supplemented, the "Agreement").

B.    Borrower has requested that Lender amend certain terms of the Agreement,
      and Lender has agreed to such amendments, subject to the terms and
      conditions of this Amendment.

NOW, THEREFORE, the parties to this Amendment agree as follows:

1.    Subject to Borrower's satisfaction of the conditions set forth in Section
      8, the effective date of the Amendment is December 8, 2003 ("Effective
      Date").

2.    Unless otherwise defined in this Amendment, all capitalized terms have the
      meanings given to those terms in the Agreement. Defined terms may be used
      in the singular or the plural, as the context requires. The words
      "include," "includes" and "including" are deemed to be followed by the
      phrase "without limitation." Unless the context in which it is used
      otherwise clearly requires, the word "or" has the inclusive meaning
      represented by the phrase "and/or." References to Sections and Exhibits
      are to Sections and Exhibits of this Amendment unless otherwise expressly
      provided.

3.    The Table of Contents in the Agreement is amended and restated in its
      entirety as set forth in the new Table of Contents attached to this
      Amendment.

4.    Article 8 of the Agreement is amended and restated in its entirety as set
      forth in Article 8 attached to this Amendment. All references in the
      Agreement and other Loan Documents to Article 8 (including each and every
      Section in Article 8) are deemed to refer to the new Article 8.

5.    Article 10 of the Agreement is amended and restated in its entirety as set
      forth in Article 10 attached to this Amendment. All references in the
      Agreement and other Loan Documents to Article 10 (including each and every
      Section in Article 10) are deemed to refer to the new Article 10.

6.    Exhibit E to the Agreement is amended and restated in its entirety as set
      forth in Exhibit E to this Amendment. All references in the Agreement and
      the other Loan Documents to Exhibit E are deemed to refer to the new
      Exhibit E.
<PAGE>
7.    Borrower failed to comply with the following Negative Covenants in Article
      8 of the Agreement during the fiscal year end 2002 and the months
      specified below:

      (a)   Section 8.8 "Leverage Ratio" for the fiscal year end 2002;

      (b)   Section 8.9 "Minimum Tangible Net Worth" for the fiscal year end
            2002;

      (c)   Sections 8.3(a) and (e) "Restrictions on Fundamental Changes" for
            the month of September 2003;

      (d)   Section 8.7 "Current Ratio" for the month of September 2003; and

      (e)   Section 8.9 "Minimum Tangible Net Worth" for the months of September
            and October 2003.

      Such failures constituted Events of Default, entitling Lender to cease
      making Warehousing Advances and accelerate all Obligations under the
      Agreement. Borrower has requested Lender waive its default rights with
      respect to such Events of Default. These waivers apply only to the
      specific instances described herein. They are not waivers of any
      subsequent breach of the same provisions of the Agreement, nor are they
      waivers of any breach of any other provisions of the Agreement.
      Notwithstanding the foregoing, Lender reserves all of the rights, powers,
      and remedies presently available to Lender under the Agreement and the
      Notes, including the right to cease making Warehousing Advances to
      Borrower and the right to accelerate any of the indebtedness owing under
      the Agreement if any other Default or Event of Default occurs under the
      Agreement.

8.    Borrower must deliver to Lender (a) two executed copies of this Amendment
      and (b) a $350 document production fee.

9.    Borrower represents, warrants and agrees that (a) there exists no Default
      or Event of Default under the Loan Documents, except as set forth in
      Section 6 of this Fourth Amendment, (b) the Loan Documents continue to be
      the legal, valid and binding agreements and obligations of Borrower,
      enforceable in accordance with their terms, as modified by this Amendment,
      (c) Lender is not in default under any of the Loan Documents and Borrower
      has no offset or defense to its performance or obligations under any of
      the Loan Documents, (d) except for changes permitted by the terms of the
      Agreement, Borrower's representations and warranties contained in the Loan
      Documents are true, accurate and complete in all respects as of the
      Effective Date and (e) there has been no material adverse change in
      Borrower's financial condition from the date of the Agreement to the
      Effective Date.

10.   Except as expressly modified, the Agreement is unchanged and remains in
      full force and effect, and Borrower ratifies and reaffirms all of its
      obligations under the Agreement and the other Loan Documents.

11.   This Amendment may be executed in any number of counterparts, each of
      which will be deemed an original, but all of which shall together
      constitute but one and the same instrument.
<PAGE>
IN WITNESS WHEREOF, Borrower and Lender have caused this Amendment to be duly
executed on their behalf by their duly authorized officers as of the day and
year above written.

                                    OAK STREET MORTGAGE LLC,
                                    a Delaware limited liability company

                                    By:   /s/ Craig L. Royal
                                       ---------------------------------------

                                    Its:  Chief Financial Officer
                                        --------------------------------------

                                    OAK STREET MORTGAGE, INC.,
                                    a Delaware corporation

                                    By:   /s/ Craig L. Royal
                                       ---------------------------------------

                                    Its:  Chief Financial Officer
                                        --------------------------------------

                                    OAK STREET MORTGAGE OF TENNESSEE
                                    LLC, a Tennessee limited liability company

                                    By:   /s/ Craig L. Royal
                                       ---------------------------------------

                                    Its:  Chief Financial Officer
                                        --------------------------------------

                                    RESIDENTIAL FUNDING CORPORATION,
                                    a Delaware corporation

                                    By:   /s/ Robin Swanson
                                       ---------------------------------------

                                    Its:  Director
                                        --------------------------------------
<PAGE>
                                TABLE OF CONTENTS
<TABLE>
<S>              <C>                                                          <C>
1.               THE CREDIT...............................................     1-1
      1.1.       The Warehousing Commitment...............................     1-1
      1.2.       Expiration of Warehousing Commitment.....................     1-2
      1.3.       Warehousing Note/Sublimit Note...........................     1-2
2.               PROCEDURES FOR OBTAINING ADVANCES........................     2-1
      2.1.       Warehousing Advances.....................................     2-1
3.               INTEREST, PRINCIPAL AND FEES.............................     3-1
      3.1.       Interest.................................................     3-1
      3.2.       Interest Limitation......................................     3-2
      3.3.       Principal Payments.......................................     3-2
      3.4.       Buydowns.................................................     3-4
      3.5.       Warehousing Commitment Fees..............................     3-4
      3.6.       Non-Usage Fees...........................................     3-5
      3.7.       Loan Package Fees, Wire Fees, Warehousing Fees...........     3-5
      3.8.       Miscellaneous Fees and Charges...........................     3-5
      3.9.       Overdraft Advances.......................................     3-6
      3.10.      Method of Making Payments................................     3-6
4.               COLLATERAL...............................................     4-1
      4.1.       Grant of Security Interest...............................     4-1
      4.2.       Maintenance of Collateral Records........................     4-2
      4.3.       Release of Security Interest in Pledged Loans and
                 Pledged Securities ......................................     4-3
      4.4.       Collection and Servicing Rights..........................     4-4
      4.5.       Return of Collateral at End of Warehousing Commitment....     4-4
      4.6.       Delivery of Collateral Documents.........................     4-4
5.               CONDITIONS PRECEDENT.....................................     5-1
      5.1.       Initial Advance..........................................     5-1
      5.2.       Each Advance.............................................     5-3
      5.3.       Force Majeure............................................     5-3
6.               GENERAL REPRESENTATIONS AND WARRANTIES...................     6-1
      6.1.       Place of Business........................................     6-1
      6.2.       Organization; Good Standing; Subsidiaries................     6-1
      6.3.       Authorization and Enforceability.........................     6-2
      6.4.       Approvals................................................     6-2
      6.5.       Financial Condition......................................     6-2
      6.6.       Litigation...............................................     6-3
      6.7.       Compliance with Laws.....................................     6-3
      6.8.       Regulation U.............................................     6-3
      6.9.       Investment Company Act...................................     6-3
      6.10.      Payment of Taxes.........................................     6-3
      6.11.      Agreements...............................................     6-4
      6.12.      Title to Properties......................................     6-4
      6.13.      ERISA....................................................     6-4
      6.14.      No Retiree Benefits......................................     6-4
      6.15.      Assumed Names............................................     6-4
      6.16.      Servicing................................................     6-5
7.               AFFIRMATIVE COVENANTS....................................     7-1
</TABLE>
<PAGE>
<TABLE>
<S>              <C>                                                          <C>
      7.1.       Payment of Obligations...................................     7-1
      7.2.       Financial Statements.....................................     7-1
      7.3.       Other Borrower Reports...................................     7-1
      7.4.       Maintenance of Existence; Conduct of Business............     7-2
      7.5.       Compliance with Applicable Laws..........................     7-2
      7.6.       Inspection of Properties and Books; Operational Reviews..     7-2
      7.7.       Notice...................................................     7-3
      7.8.       Payment of Debt, Taxes and Other Obligations.............     7-3
      7.9.       Insurance................................................     7-3
      7.10.      Closing Instructions.....................................     7-3
      7.11.      Subordination of Certain Indebtedness....................     7-4
      7.12.      Other Loan Obligations...................................     7-4
      7.13.      ERISA....................................................     7-4
      7.14.      Use of Proceeds of Warehousing Advances..................     7-4
8.               NEGATIVE COVENANTS.......................................     8-1
      8.1.       Contingent Liabilities...................................     8-1
      8.2.       Pledge of Servicing Contracts............................     8-1
      8.3.       Restrictions on Fundamental Changes......................     8-1
      8.4.       Subsidiaries.............................................     8-1
      8.5.       Deferral of Subordinated Debt............................     8-1
      8.6.       Loss of Eligibility......................................     8-2
      8.7.       Accounting Changes.......................................     8-2
      8.8.       Leverage Ratio...........................................     8-2
      8.9.       Minimum Tangible Net Worth...............................     8-2
      8.10.      Current Ratio............................................     8-2
      8.11.      Liquid Assets............................................     8-2
      8.12.      Net Income/Loss..........................................     8-3
      8.13.      Transactions with Affiliates.............................     8-3
      8.14.      Recourse Servicing Contracts.............................     8-3
      8.15.      Gestation Agreements.....................................     8-3
9.               SPECIAL REPRESENTATIONS, WARRANTIES AND COVENANTS
                 CONCERNING COLLATERAL ...................................     9-1
      9.1.       Special Representations and Warranties Concerning
                 Eligibility as Seller/Servicer of Mortgage Loans ........     9-1
      9.2.       Special Representations and Warranties Concerning
                 Warehousing Collateral ..................................     9-1
      9.3.       Special Representations Concerning REO Properties........     9-3
      9.4.       Special Affirmative Covenants Concerning
                 Warehousing Collateral ..................................     9-3
      9.5.       Special Affirmative Covenants Concerning REO Properties..     9-4
      9.6.       Special Negative Covenants Concerning
                         Warehousing Collateral ..........................     9-4
10.              DEFAULTS; REMEDIES.......................................    10-1
      10.1.      Events of Default........................................    10-1
      10.2.      Remedies.................................................    10-2
      10.3.      Application of Proceeds..................................    10-5
      10.4.      Lender Appointed Attorney-in-Fact........................    10-5
      10.5.      Right of Set-Off.........................................    10-5
11.              MISCELLANEOUS............................................    11-1
      11.1.      Notices..................................................    11-1
      11.2.      Reimbursement Of Expenses; Indemnity.....................    11-1
      11.3.      Financial Information....................................    11-2
      11.4.      Terms Binding Upon Successors; Survival of
                        Representations ..................................    11-2
      11.5.      Assignment...............................................    11-2
      11.6.      Amendments...............................................    11-2
      11.7.      Governing Law............................................    11-2
</TABLE>
<PAGE>
<TABLE>
<S>              <C>                                                          <C>
      11.8.      Participations...........................................    11-3
      11.9.      Relationship of the Parties..............................    11-3
      11.10.     Severability.............................................    11-3
      11.11.     Consent to Credit References.............................    11-3
      11.12.     Counterparts.............................................    11-3
      11.13.     Entire Agreement.........................................    11-4
      11.14.     Consent to Jurisdiction..................................    11-4
      11.15.     Waiver of Jury Trial.....................................    11-4
      11.16.     Waiver of Punitive, Consequential, Special or
                        Indirect Damages .................................    11-4
12.              DEFINITIONS..............................................    12-1
      12.1. Defined Terms.................................................    12-1
</TABLE>
<PAGE>
8. NEGATIVE COVENANTS

As long as the Warehousing Commitment is outstanding or there remain any
Obligations to be paid or performed, Borrower must not, either directly or
indirectly, without the prior written consent of Lender:

8.1.  CONTINGENT LIABILITIES

Assume, guarantee, endorse or otherwise become contingently liable for the
obligation of any Person except by endorsement of negotiable instruments for
deposit or collection in the ordinary course of business, except for obligations
arising in connection with the sale of Mortgage Loans with recourse in the
ordinary course of Borrower's business, and except for a limited guaranty of
$2,500,000 given by Oak Street LLC to Bank One in connection with Bank One
providing a $15,000,000 line of credit to Oak Street Funding LLC.

8.2.  PLEDGE OF SERVICING CONTRACTS

Pledge or grant a security interest in any existing or future Servicing
Contracts of Borrower other than to Lender or omit to take any action required
to keep all of Borrower's Servicing Contracts in full force and effect.

8.3.  RESTRICTIONS ON FUNDAMENTAL CHANGES

8.3(a)   Consolidate, merge or enter into any analogous reorganization or
         transaction with any Person.

8.3(b)   Amend or otherwise modify Borrower's articles of organization or
         operating agreement in any way which will have an adverse impact on
         Lender.

8.3(c)   Liquidate, wind up or dissolve (or suffer any liquidation or
         dissolution).

8.3(d)   Cease actively to engage in the business of originating or acquiring
         Mortgage Loans or make any other material change in the nature or scope
         of the business in which Borrower engages as of the date of this
         Agreement.

8.3(e)   Sell, assign, lease, convey, transfer or otherwise dispose of (whether
         in one transaction or a series of transactions) all or any substantial
         part of Borrower's business or assets, whether now owned or acquired
         after the Closing Date, other than, in the ordinary course of business
         and to the extent not otherwise prohibited by this Agreement, sales of
         (1) Mortgage Loans, (2) Mortgage-backed Securities and (3) Servicing
         Contracts.

8.3(f)   Acquire by purchase or in any other transaction all or substantially
         all of the business or property of, or stock or other ownership
         interests of, any Person; provided, however, Borrower may purchase all
         or substantially all of the business or property of a Person whose
         primary business is directly related to mortgage banking if (1) the
         purchase price is no greater than $500,000, (2) the business or
         property is consolidated into the Borrower, and (3) Borrower gives at
         least five 5 Business Days advance written Notice of such purchase.

8.3(g)   Permit any Subsidiary of Borrower to do or take any of the foregoing
         actions.
<PAGE>
8.4.  SUBSIDIARIES

Form or acquire, or permit any Subsidiary of Borrower to form or acquire, any
Person that would thereby become a Subsidiary.

8.5.  DEFERRAL OF SUBORDINATED DEBT

Pay any Subordinated Debt of Borrower in advance of its stated maturity or,
after a Default or Event of Default under this Agreement has occurred, make any
payment of any kind on any Subordinated Debt of Borrower until all of the
Obligations have been paid and performed in full and any applicable preference
period has expired.

8.6.  LOSS OF ELIGIBILITY

Take any action that would cause Borrower to lose all or any part of its status
as an eligible lender, seller/servicer or issuer as described under Section 9.1.

8.7.  ACCOUNTING CHANGES

Make, or permit any Subsidiary of Borrower to make, any significant change in
accounting treatment or reporting practices, except as required by GAAP, or
change its fiscal year or the fiscal year of any Subsidiary of Borrower, except
to comply with FASB 91.

8.8.  LEVERAGE RATIO

Permit Oak Street LLC's Leverage Ratio at any time to exceed 20 to 1.

8.9.  MINIMUM TANGIBLE NET WORTH

Permit Oak Street LLC's Tangible Net Worth at any time to be less than (a) from
November 1, 2003, to and including December 31, 2003, $11,000,000; (b) from
January 1, 2004, to and including March 31, 2004, $13,000,000; (c) from April 1,
2004, to and including June 30, 2004, $13,000,000 plus (i) 50% of Oak Street
LLC's net income after taxes and distributions to members for tax purposes, if
positive, for the three-month period beginning January 1, 2004 to and including
March 31, 2004; (d) from July 1, 2004, to and including December 31, 2004,
$13,000,000 plus (i) 50% of Oak Street LLC's net income after taxes and
distributions to members for tax purposes, if positive, for the six-month period
beginning January 1, 2004 to and including June 30, 2004; and (e) from January
1, 2005, to and including the Maturity Date, $13,000,000 plus (i) 50% of Oak
Street LLC's net income after taxes and distributions to members for tax
purposes, if positive, for the twelve-month period beginning on January 1, 2004,
through December 31, 2004. Adjustments will occur on the first Business Day
after the end of each three, six or twelve-month period.

8.10. CURRENT RATIO

Permit Oak Street LLC's Current Ratio at any time to be less than 1.03 to 1.

8.11. LIQUID ASSETS

Permit Oak Street LLC's Liquid Assets at any time to be less than $5,000,000.
<PAGE>
8.12. NET INCOME/LOSS

Permit Oak Street LLC's monthly net income to be less than zero for three
consecutive months on a consolidated basis.

8.13. TRANSACTIONS WITH AFFILIATES

Directly or indirectly (a) make any loan, advance, extension of credit or
capital contribution to any of Borrowers' Affiliates, except Oak Street LLC may
(i) loan H&K Collections, LLC $1,000,000 to fund the initial start up of the
joint venture, (ii) contribute $2,500,000 to Oak Street Funding LLC to initially
capitalize this entity, and (iii) contribute $700,000 to initially capitalize
H&K Collections, LLC, (b) sell, transfer, pledge or assign any of its assets to
or on behalf of those Affiliates, (c) merge or consolidate with or purchase or
acquire assets from those Affiliates, or (d) pay management fees to or on behalf
of those Affiliates.

8.14. RECOURSE SERVICING CONTRACTS

Acquire or enter into Servicing Contracts under which Borrower must repurchase
or indemnify the holder of the Mortgage Loans as a result of defaults on the
Mortgage Loans at any time during the term of those Mortgage Loans.

8.15. GESTATION AGREEMENTS

Directly or indirectly sell or finance a Mortgage Loan under any Gestation
Agreement if the Mortgage Loan is or was previously pledged to Lender as
Collateral under this Agreement if the aggregate amount of Warehousing Advances
outstanding is less than 60% of the Warehousing Commitment Amount.

                                END OF ARTICLE 8
<PAGE>
10.   DEFAULTS; REMEDIES

10.1. EVENTS OF DEFAULT

The occurrence of any of the following is an event of default ("Event of
Default"):

10.1(a)  Borrower fails to pay the principal of any Warehousing Advance when
         due, whether at stated maturity, by acceleration, or otherwise; or
         fails to pay any installment of interest on any Warehousing Advance
         within 9 days after the date of Lender's invoice or, if applicable,
         within 2 days after the date of Lender's account analysis statement; or
         fails to pay, within any applicable grace period, any other amount due
         under this Agreement or any other Obligation of Borrower to Lender.

10.1(b)  Borrower or any of its Subsidiaries fails to pay, or defaults in the
         payment of any principal or interest on, any other indebtedness or any
         contingent obligation within any applicable grace period; breaches or
         defaults with respect to any other material term of any other
         indebtedness or of any loan agreement, mortgage, indenture or other
         agreement relating to that indebtedness, if the effect of that breach
         or default is to cause, or to permit the holder or holders of that
         indebtedness (or a trustee on behalf of such holder or holders) to
         cause, indebtedness of Borrower or its Subsidiaries in the aggregate
         amount of $50,000 or more to become or be declared due before its
         stated maturity (upon the giving or receiving of notice, lapse of time,
         both, or otherwise).

10.1(c)  Borrower fails to perform or comply with any term or condition
         applicable to it contained in Sections 7.4 or 7.14 or in any Section of
         Article 8.

10.1(d)  Any representation or warranty made or deemed made by Borrower under
         this Agreement, in any other Loan Document or in any written statement
         or certificate at any time given by Borrower is inaccurate or
         incomplete in any material respect on the date as of which it is made
         or deemed made.

10.1(e)  Borrower defaults in the performance of or compliance with any term
         contained in this Agreement or any other Loan Document other than those
         referred to in Sections 10.1 (a), 10.1 (c) or 10.1 (d) and such default
         has not been remedied or waived within 30 days after the earliest of
         (1) receipt by Borrower of Notice from Lender of that default, (2)
         receipt by Lender of Notice from Borrower of that default or (3) the
         date Borrower should have notified Lender of that default under Section
         7.7(c) or 7.7(d).

10.1(f)  An "event of default" (however defined) occurs under any agreement
         between Borrower and Lender other than this Agreement and the other
         Loan Documents.

10.1(g)  A case (whether voluntary or involuntary) is filed by or against
         Borrower or Oak Street Operations, LLC or any Subsidiary of Borrower or
         Oak Street Operations, LLC under any applicable bankruptcy, insolvency
         or other similar federal or state law; or a court of competent
         jurisdiction appoints a receiver (interim or permanent), liquidator,
         sequestrator, trustee, custodian or other officer having similar powers
         over Borrower or Oak Street Operations, LLC or any Subsidiary of
         Borrower or Oak Street Operations, LLC, or over all or a substantial
         part of their respective properties or assets; or Borrower or Oak
         Street Operations, LLC or any Subsidiary of Borrower or Oak Street
         Operations, LLC (1) consents to the appointment of or possession by a
         receiver (interim or permanent), liquidator, sequestrator, trustee,
         custodian or other officer having similar powers over Borrower or Oak
         Street Operations, LLC or any Subsidiary of Borrower or Oak Street
         Operations, LLC, or over all or a substantial part of their respective
<PAGE>
         properties or assets, (2) makes an assignment for the benefit of
         creditors, or (3) fails, or admits in writing its inability, to pay its
         debts as those debts become due.

10.1(h)  Borrower fails to perform any contractual obligation to repurchase
         Mortgage Loans, if such obligations in the aggregate exceed $500,000.

10.1(i)  Any money judgment, writ or warrant of attachment or similar process
         involving in an amount in excess of $250,000 is entered or filed
         against Borrower or any of its Subsidiaries or any of their respective
         assets and remains undischarged, unvacated, unbonded or unstayed for a
         period of 30 days or 5 days before the date of any proposed sale under
         that money judgment, writ or warrant of attachment or similar process.

10.1(j)  Any order, judgment or decree decreeing the dissolution of Borrower is
         entered and remains undischarged or unstayed for a period of 20 days.

10.1(k)  Borrower purports to disavow the Obligations or contests the validity
         or enforceability of any Loan Document.

10.1(l)  Lender's security interest on any portion of the Collateral becomes
         unenforceable or otherwise impaired.

10.1(m)  A material adverse change occurs in Borrower's financial condition,
         business, properties, operations or prospects, or in Borrower's ability
         to repay the Obligations.

10.1(n)  Any Lien for any taxes, assessments or other governmental charges (1)
         is filed against Borrower or any of its property, or is otherwise
         enforced against Borrower or any of its property, or (2) obtains
         priority that is equal to greater than the priority of Lender's
         security interest in any of the Collateral.

10.1(o)  Steven Alonso ceases to be the Chief Executive Officer of Oak Street
         LLC unless a substitute reasonably acceptable to Lender has been
         elected within 90 days thereafter; or

10.1(p)  Steven Alonso ceases to be the Managing Member of Oak Street LLC unless
         a substitute reasonably acceptable to Lender has been elected within 90
         days thereafter; or

10.1(q)  Craig Royal ceases to be the Chief Financial Officer of Oak Street LLC
         unless a substitute reasonably acceptable to Lender has been elected
         within 90 days thereafter; or

10.1(r)  John F. Havens, Ellen Havens Hardyman, a Havens family trust, Steven
         Alonso and the Sotseks Corp. or any heirs of the foregoing who are
         individuals, collectively, cease to own, directly or indirectly, a
         majority of the Equity Interests of Oak Street Operations, LLC; or

10.1(s)  Oak Street Operations, LLC ceases to own, directly or indirectly, all
         of the Equity Interests of Oak Street LLC.

10.2. REMEDIES

10.2(a)  If an Event of Default described in Section 10.1 (g) occurs with
         respect to Borrower, the Warehousing Commitment will automatically
         terminate and the unpaid principal amount of and accrued interest on
         the Warehousing Note, the Sublimit Note and all other Obligations will
         automatically become due and payable, without presentment, demand or
         other Notice or requirements of any kind, all of which Borrower
         expressly waives.
<PAGE>
10.2(b)  If any other Event of Default occurs, Lender may, by Notice to
         Borrower, terminate the Warehousing Commitment and declare the
         Obligations to be immediately due and payable.

10.2(c)  If any Event of Default occurs, Lender may also take any of the
         following actions:

         (1) Foreclose upon or otherwise enforce its security interest in any
         Lien on the Collateral to secure all payments and performance of the
         Obligations in any manner permitted by law or provided for in the Loan
         Documents.

         (2) Notify all obligors under any of the Collateral that the Collateral
         has been assigned to Lender (or to another Person designated by Lender)
         and that all payments on that Collateral are to be made directly to
         Lender (or such other Person); settle, compromise or release, in whole
         or in part, any amounts any obligor or Investor owes on any of the
         Collateral on terms acceptable to Lender; enforce payment and prosecute
         any action or proceeding involving any of the Collateral; and where any
         Collateral is in default, foreclose on and enforce any Liens securing
         that Collateral in any manner permitted by law and sell any property
         acquired as a result of those enforcement actions.

         (3) Prepare and submit for filing Uniform Commercial Code amendment
         statements evidencing the assignment to Lender or its designee of any
         Uniform Commercial Code financing statement filed in connection with
         any item of Collateral.

         (4) Act, or contract with a third party to act, at Borrower's expense,
         as servicer or subservicer of Collateral requiring servicing, and
         perform all obligations required under any Collateral, including
         Servicing Contracts and Purchase Commitments.

         (5) Require Borrower to assemble and make available to Lender the
         Collateral and all related books and records at a place designated by
         Lender.

         (6) Enter onto property where any Collateral or related books and
         records are located and take possession of those items with or without
         judicial process; and obtain access to Borrower's data processing
         equipment, computer hardware and software relating to the Collateral
         and use all of the foregoing and the information contained in the
         foregoing in any manner Lender deems necessary for the purpose of
         effectuating its rights under this Agreement and any other Loan
         Document.

         (7) Before the disposition of the Collateral, prepare it for
         disposition in any manner and to the extent Lender deems appropriate.

         (8) Exercise all rights and remedies of a secured creditor under the
         Uniform Commercial Code of Minnesota or other applicable law, including
         selling or otherwise disposing of all or any portion of the Collateral
         at one or more public or private sales, whether or not the Collateral
         is present at the place of sale, for cash or credit or future delivery,
         on terms and conditions and in the manner as Lender may determine,
         including sale under any applicable Purchase Commitment. Borrower
         waives any right it may have to prior notice of the sale of all or any
         portion of the Collateral to the extent allowed by applicable law. If
         notice is required under applicable law, Lender will give Borrower not
         less than 10 days' notice of any public sale or of the date after which
         any private sale may be held. Borrower agrees that 10 days' notice is
         reasonable notice. Lender may, without notice or publication, adjourn
         any public or private sale one or more times by announcement at the
         time and place fixed for the sale, and the sale may be held at any time
         or place announced at the adjournment. In the case of a sale of all or
         any portion of the Collateral on credit or for future delivery, the
         Collateral sold on those terms may be retained by Lender until the
         purchaser pays the selling price or takes possession of the
<PAGE>
         Collateral. Lender has no liability to Borrower if a purchaser fails to
         pay for or take possession of Collateral sold on those terms, and in
         the case of any such failure, Lender may sell the Collateral again upon
         notice complying with this Section.

         (9) Instead of or in conjunction with exercising the power of sale
         authorized by Section (8), Lender may proceed by suit at law or in
         equity to collect all amounts due on the Collateral, or to foreclose
         Lender's Lien on and sell all or any portion of the Collateral pursuant
         to a judgment or decree of a court of competent jurisdiction.

         (10) Proceed against Borrower on the Warehousing Note and the Sublimit
         Note.

         (11) Retain all excess proceeds from the sale or other disposition of
         the Collateral, and apply them to the payment of the Obligations under
         Section 10.3.

10.2(d)  Lender will incur no liability as a result of the commercially
         reasonable sale or other disposition of all or any portion of the
         Collateral at any public or private sale or other disposition. Borrower
         waives (to the extent permitted by law) any claims it may have against
         Lender arising by reason of the fact that the price at which the
         Collateral may have been sold at a private sale was less than the price
         that Lender might have obtained at a public sale, or was less than the
         aggregate amount of the outstanding Warehousing Advances, accrued and
         unpaid interest on those Warehousing Advances, and unpaid fees, even if
         Lender accepts the first offer received and does not offer the
         Collateral to more than one offeree. Borrower agrees that any sale of
         Collateral under the terms of a Purchase Commitment, or any other
         disposition of Collateral arranged by Borrower, whether before or after
         the occurrence of an Event of Default, will be deemed to have been made
         in a commercially reasonable manner.

10.2(e)  Borrower acknowledges that Mortgage Loans are collateral of a type that
         is the subject of widely distributed standard price quotations and that
         Mortgage-backed Securities are collateral of a type that is customarily
         sold on a recognized market. Borrower waives any right it may have to
         prior notice of the sale of Pledged Securities, and agrees that Lender
         may purchase Pledged Loans and Pledged Securities at a private sale of
         such Collateral.

10.2(f)  Borrower specifically waives and releases (to the extent permitted by
         law) any equity or right of redemption, stay or appraisal that Borrower
         has or may have under any rule of law or statute now existing or
         adopted after the date of this Agreement, and any right to require
         Lender to (1) proceed against any Person, (2) proceed against or
         exhaust any of the Collateral or pursue its rights and remedies against
         the Collateral in any particular order, or (3) pursue any other remedy
         within its power. Lender is not required to take any action to preserve
         any rights of Borrower against holders of mortgages having priority to
         the Lien of any Mortgage or Security Agreement included in the
         Collateral or to preserve Borrower's rights against other prior
         parties.

10.2(g)  Lender may, but is not obligated to, advance any sums or do any act or
         thing necessary to uphold or enforce the Lien and priority of, or the
         security intended to be afforded by, any Mortgage or Security Agreement
         included in the Collateral, including payment of delinquent taxes or
         assessments and insurance premiums. All advances, charges, costs and
         expenses, including reasonable attorneys' fees and disbursements,
         incurred or paid by Lender in exercising any right, power or remedy
         conferred by this Agreement, or in the enforcement of this Agreement,
         together with interest on those amounts at the Default Rate, from the
         time paid by Lender until repaid by Borrower, are deemed to be
         principal outstanding under this Agreement, the Warehousing Note and
         the Sublimit Note.
<PAGE>
10.2(h)  No failure or delay on the part of Lender to exercise any right, power
         or remedy provided in this Agreement or under any other Loan Document,
         at law or in equity, will operate as a waiver of that right, power or
         remedy. No single or partial exercise by Lender of any right, power or
         remedy provided under this Agreement or any other Loan Document, at law
         or in equity, precludes any other or further exercise of that right,
         power, or remedy by Lender, or Lender's exercise of any other right,
         power or remedy. Without limiting the foregoing, Borrower waives all
         defenses based on the statute of limitations to the extent permitted by
         law. The remedies provided in this Agreement and the other Loan
         Documents are cumulative and are not exclusive of any remedies provided
         at law or in equity.

10.2(i)  Borrower grants Lender a license or other right to use, without charge,
         Borrower's computer programs, other programs, labels, patents,
         copyrights, rights of use of any name, trade secrets, trade names,
         trademarks, service marks and advertising matter, or any property of a
         similar nature, as it pertains to the Collateral, in advertising for
         sale and selling any of the Collateral and Borrower's rights under all
         licenses and all other agreements related to the foregoing inure to
         Lender's benefit until the Obligations are paid in full.

10.3. APPLICATION OF PROCEEDS

Lender may apply the proceeds of any sale, disposition or other enforcement of
Lender's Lien on all or any portion of the Collateral to the payment of the
Obligations in the order Lender determines in its sole discretion. From and
after the indefeasible payment to Lender of all of the Obligations, any
remaining proceeds of the Collateral will be paid to Borrower, or to its
successors or assigns, or as a court of competent jurisdiction may direct. If
the proceeds of any sale, disposition or other enforcement of the Collateral are
insufficient to cover the costs and expenses of that sale, disposition or other
enforcement and payment in full of all Obligations, Borrower is liable for the
deficiency.

10.4. LENDER APPOINTED ATTORNEY-IN-FACT

Borrower appoints Lender its attorney-in-fact, with full power of substitution,
for the purpose of carrying out the provisions of this Agreement, the
Warehousing Note, the Sublimit Note and the other Loan Documents and taking any
action and executing any instruments that Lender deems necessary or advisable to
accomplish that purpose. Borrower's appointment of Lender as attorney-in-fact is
irrevocable and coupled with an interest. Without limiting the generality of the
foregoing, Lender may give notice of its Lien on the Collateral to any Person,
either in Borrower's name or in its own name, endorse all Pledged Loans or
Pledged Securities payable to the order of Borrower, change or cause to be
changed the book-entry registration or name of subscriber or Investor on any
Pledged Security, prepare and submit for filing Uniform Commercial Code
amendment statements with respect to any Uniform Commercial Code financing
statements filed in connection with any item of Collateral or receive, endorse
and collect all checks made payable to the order of Borrower representing
payment on account of the principal of or interest on, or the proceeds of sale
of, any of the Pledged Loans or Pledged Securities and give full discharge for
those transactions.

10.5. RIGHT OF SET-OFF

If Borrower defaults in the payment of any Obligation or in the performance of
any of its duties under the Loan Documents, Lender may, without Notice to or
demand on Borrower (which Notice or demand Borrower expressly waives), set-off,
appropriate or apply any property of Borrower held at any time by Lender, or any
indebtedness at any time owed by Lender to or for the account of Borrower,
against the Obligations, whether or not those Obligations have matured.
<PAGE>
                                END OF ARTICLE 10
<PAGE>
                                                                       EXHIBIT E

                             COMPLIANCE CERTIFICATE

This Compliance Certificate is submitted to the Lender pursuant to Section
7.2(c) of the First Amended and Restated Warehousing Credit and Security
Agreement among OAK STREET MORTGAGE LLC ("Oak Street LLC"), OAK STREET MORTGAGE
OF TENNESSEE LLC ("Oak Street of TN") and OAK STREET MORTGAGE, INC. ("Oak Street
Inc.") (Oak Street LLC, Oak Street of TN and Oak Street Inc. are collectively
referred to as the "Borrowers") and RESIDENTIAL FUNDING CORPORATION ("Lender"),
dated as of August 31, 2002 (as amended, restated, renewed or replaced,
"Agreement"). Capitalized terms and Section numbers used in this Compliance
Certificate without further definition refer to those terms and Sections set
forth in the Agreement.

The undersigned hereby certifies to Lender that as of the close of business on ,
____________________ ("Statement Date") and with respect to Oak Street LLC (and
Oak Street LLC's Subsidiaries on a consolidated basis):

12.      As demonstrated by the attached calculations supporting this Compliance
         Certificate, Borrowers satisfied the covenants set forth in Sections
         8.8, 8.9, 8.10, 8.11, 8.12 and 8.13 or, if Borrowers did not satisfy
         any of those covenants, a detailed explanation is attached setting
         forth the nature and the period of existence of any Default or Event of
         Default and the action Borrowers have taken, are taking or propose to
         take with respect to that Default or Event of Default.

13.      Borrowers have not transferred (by sale or otherwise), pledged or
         granted a security interest in any Servicing Contracts, except as
         permitted under the terms of the Agreement.

14.      Borrowers have not made any payments in advance of the scheduled
         maturity date on any Subordinated Debt, and Borrowers have not incurred
         any additional Debt that must be subordinated under the terms of
         Section 7.11.

15.      Borrowers were in full compliance with all applicable Investor net
         worth requirements, and in good standing with each Investor.

16.      I have reviewed the terms of the Agreement and have made, or caused to
         be made under my supervision, a review in reasonable detail of the
         transactions and conditions of Borrowers (and Borrowers' Subsidiaries).
         That review has not disclosed, and I have no other knowledge of the
         existence of, any Default or Event of Default, or if any Default or
         Event of Default existed or exists, a detailed explanation is attached
         setting forth the nature and the period of existence of the Default or
         Event of Default and the action Borrowers have taken, are taking or
         propose to take with respect to that Default or Event of Default.

17.      Pursuant to Section 7.2 of the Agreement, enclosed are the financial
         statements of Oak Street LLC as of the Statement Date. The financial
         statements for the period ending on the Statement Date fairly present
         the financial condition and results of operations of Oak Street LLC
         (and Oak Street LLC's Subsidiaries on consolidated basis) as of the
         Statement Date.

Dated:                              OAK STREET MORTGAGE LLC,
      ---------------------------   a Delaware limited liability company

                                    By:
                                       ---------------------------

                                    Its:
                                        --------------------------

                                       16
<PAGE>
                 CALCULATIONS SUPPORTING COMPLIANCE CERTIFICATE

Borrower Name:    OAK STREET MORTGAGE LLC (and, if applicable, its Subsidiaries)

Statement Date:
                  ------------------------

All financial calculations set forth in this Compliance Certificate are as of
the Statement Date.

1.    TANGIBLE NET WORTH

      A.    Net Worth of is:

            Excess of total assets over total liabilities:      $
                                                                ----------------
            Plus:   Subordinated Debt (or any portion of
                    that Subordinated Debt) due (must be
                    more than 6 months after the Warehousing
                    Maturity Date):                             $
                                                                ----------------
            Minus:  Advances or loans to or receivables due
                    from, members, managers or Affiliates or
                    any shareholder, director or officer of
                    any manager, member or Affiliate that
                    Lender deems intangible:                    $
                                                                ----------------
            Minus:  Investments in Affiliates deemed
                    intangible by Lender:                       $
                                                                ----------------
            Minus:  Assets pledged to secure liabilities
                    not included in Debt:                       $
                                                                ----------------
            Minus:  Intangible assets:                          $
                                                                ----------------
            Minus:  Other assets that HUD deems
                    non-acceptable:                             $
                                                                ----------------

            Minus:  Other assets that Lender deems
                    unacceptable:                               $
                                                                ----------------

               TANGIBLE NET WORTH                               $
                                                                ----------------

      B.    Minimum Tangible Net Worth of Oak Street LLC is:

            (i)     $11,000,000:                                $
                                                                ----------------

            (ii)    $13,000,000:                                $
                                                                ----------------

            (iii)   50% of positive net income for completed
                    3-month period beginning January 1,
                    2004, to and including March 31, 2004,
                    after taxes and distributions to members
                    for tax purposes for such 3-month
                    period:                                     $
                                                                ----------------
            (iv)    50% of positive net income for completed
                    6-month period beginning January 1,
                    2004, to and including June 30, 2004,
                    after taxes and

                                       17
<PAGE>
                    distributions to members for tax
                    purposes for such 6-month period:           $
                                                                ----------------

            (v)     50% of positive net income for completed
                    12-month period beginning January 1,
                    2004, to and including December 31,
                    2004, after taxes and distributions to
                    members for tax purposes for such
                    12-month period:                            $
                                                                ----------------
      C.    Requirements of Section 8.9 of the Agreement:

            PERMIT OAK STREET LLC'S TANGIBLE NET WORTH AT ANY TIME TO BE LESS
            THAN (A) FROM NOVEMBER 1, 2003, TO AND INCLUDING DECEMBER 31, 2003,
            $11,000,000; (B) FROM JANUARY 1, 2004, TO AND INCLUDING MARCH 31,
            2004, $13,000,000; (C) FROM APRIL 1, 2004, TO AND INCLUDING JUNE 30,
            2004, $13,000,000 PLUS (I) 50% OF OAK STREET LLC'S NET INCOME AFTER
            TAXES AND DISTRIBUTIONS TO MEMBERS FOR TAX PURPOSES, IF POSITIVE,
            FOR THE THREE-MONTH PERIOD BEGINNING JANUARY 1, 2004 TO AND
            INCLUDING MARCH 31, 2004; (D) FROM JULY 1, 2004, TO AND INCLUDING
            DECEMBER 31, 2004, $13,000,000 PLUS (I) 50% OF OAK STREET LLC'S NET
            INCOME AFTER TAXES AND DISTRIBUTIONS TO MEMBERS FOR TAX PURPOSES, IF
            POSITIVE, FOR THE SIX-MONTH PERIOD BEGINNING JANUARY 1, 2004 TO AND
            INCLUDING JUNE 30, 2004; AND (E) FROM JANUARY 1, 2005, TO AND
            INCLUDING THE MATURITY DATE, $13,000,000 PLUS (I) 50% OF OAK STREET
            LLC'S NET INCOME AFTER TAXES AND DISTRIBUTIONS TO MEMBERS FOR TAX
            PURPOSES, IF POSITIVE, FOR THE TWELVE-MONTH PERIOD BEGINNING ON
            JANUARY 1, 2004, THROUGH DECEMBER 31, 2004. ADJUSTMENTS WILL OCCUR
            ON THE FIRST BUSINESS DAY AFTER THE END OF EACH THREE, SIX OR
            TWELVE-MONTH PERIOD.

      D.    COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                    -----                         -----
2.    DEBT OF BORROWER

      A.    Borrower's total liabilities calculated in
            accordance with GAAP, plus all indebtedness or
            other obligations for borrowed money or for the
            deferred purchase price of property or services:    $
                                                                ----------------

            Minus:  Subordinated Debt (or any portion of
                    that Subordinated Debt) due (must be
                    more than 6 months after the Warehousing
                    Maturity Date):                             $
                                                                ----------------
      B.    DEBT (Total):                                       $
                                                                ----------------
            Minus:  Debt arising under Hedging Arrangements
                    (to the extent of assets arising under
                    those Hedging Arrangements):                $
                                                                ----------------
      C.    DEBT (adjusted for Hedging Arrangements):           $
                                                                ----------------

                                    18
<PAGE>
3.    LEVERAGE RATIO

      A.    The ratio of Debt (adjusted for Hedging Arrangements)
             to Tangible Net Worth is (2.C. to 1.A.):           to 1
                                                      ---------
      B.    Requirements of Section 8.8 of the Agreement:

            BORROWER'S LEVERAGE RATIO MUST NOT EXCEED 20 TO 1.

      C.    COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                    ----                          ----
4.    LIQUID ASSETS OF BORROWER

      A.    The following unrestricted and unencumbered assets:

            Cash:                                               $
                                                                ----------------
            Funds on deposit in any United States bank (net
            of all outstanding checks, drafts and similar
            items):                                             $
                                                                ----------------
            Investment grade commercial paper:                  $
                                                                ----------------
            Money market funds:                                 $
                                                                ----------------
            Marketable securities:                              $
                                                                ----------------
            Buydown:                                            $
                                                                ----------------
            Excess Buydown:                                     $
                                                                ----------------
      B.    LIQUID ASSETS                                       $
                                                                ----------------
            Requirements of Section 8.11 of the Agreement:

            BORROWER'S LIQUID ASSETS MUST NOT BE LESS THAN $5,000,000.

      C.    COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                    ----                          ----
5.    NET INCOME/LOSS

      A.    Net income (loss) for month ended on Statement Date: $
                                                                 ---------------
      B.    Net income (loss) as of end of prior month:          $
                                                                 ---------------
      C.    Net income (loss) as of end of month immediately
            preceding prior month:                               $
                                                                 ---------------

      D.    Requirements of Section 8.12 of the Agreement:

            OAK STREET LLC'S MONTHLY NET INCOME MAY NOT BE LESS THAN ZERO FOR
            THREE CONSECUTIVE MONTHS.

      E.    COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                    ----                          ----

                                       19
<PAGE>
6.    TRANSACTIONS WITH AFFILIATES

      A.    Loans, advances, and extensions of credit by
            Borrower to its Affiliates during the current
            fiscal year:                                        $
                                                                ----------------
      B.    Capital contributions made by Borrower to
            its Affiliates during the current fiscal year:      $
                                                                ----------------

      C.    Transfers, sales, pledges, assignments or
            other dispositions of assets made by Borrower or
            on behalf of its Affiliates:                        $
                                                                ----------------
      D.    Management fees paid by Borrower to Affiliates
            during the current fiscal year:                     $
                                                                ----------------
      E.    Requirements of Section 8.13 of the Agreement:

            (1)   CONTRIBUTIONS BY OAK STREET LLC TO H&K COLLECTIONS LLC MUST
                  NOT EXCEED A LOAN IN THE AMOUNT OF $1,000,000 AND A CAPITAL
                  CONTRIBUTION IN THE AMOUNT OF $700,000.

                  COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                          ----                          ----

            (2)   CONTRIBUTIONS BY OAK STREET LLC TO OAK STREET FUNDING LLC MUST
                  NOT EXCEED A CAPITAL CONTRIBUTION IN THE AMOUNT OF $2,500,000.

                  COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                          ----                          ----

            (3)   BORROWER MAY NOT TRANSFER, SELL, PLEDGE, ASSIGN OR MAKE ANY
                  OTHER DISPOSITION OF ASSETS TO OR ON BEHALF OF ITS AFFILIATES.

                  COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                          ----                          ----

            (4)   BORROWER MAY NOT MERGE OR CONSOLIDATE WITH, OR PURCHASE OR
                  ACQUIRE ANY ASSETS FROM, ITS AFFILIATES.

                  COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                          ----                          ----

            (5)   BORROWER MAY NOT PAY ANY MANAGEMENT FEES TO ITS AFFILIATES.

                  COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                          ----                          ----
7.    CURRENT RATIO

      A.    Current Assets:

            Cash:                                               $
                                                                ----------------
            Temporary investments:                              $
                                                                ----------------
            Mortgage Loans and Mortgage-backed Securities
            held for sale (net of any loan loss reserves):      $
                                                                ----------------

                                       20
<PAGE>
            Accounts and accrued interest receivable
            (net of any allowance for doubtful accounts):       $
                                                                ----------------
            Servicing advances made on behalf of mortgagors:    $
                                                                ----------------
            Minus:  Loans/advances to or receivables from
                    employees, officers or owners and
                    Affiliates:                                 $
                                                                ----------------
            Minus:  Deferred assets, other than prepaid
                    items for insurance, taxes and rent:        $
                                                                ----------------

            TOTAL CURRENT ASSETS:                               $
                                                                ----------------
      B.    Current Liabilities (liabilities or any portion
            maturing within 1 year):

            Warehouse notes payable:                            $
                                                                ----------------
            Other notes payable:                                $
                                                                ----------------
            Repurchase agreements:                              $
                                                                ----------------
            Accounts payable and accrued expenses:              $
                                                                ----------------
            TOTAL CURRENT LIABILITIES:                          $
                                                                ----------------

      C.    Current Ratio:                                                  to 1
                                                                ------------

      D.    Requirements of Section 8.10 of the Agreement:

            BORROWER'S CURRENT RATIO MUST NOT EXCEED 1.03 to 1.

      E.    COVENANT SATISFIED:           COVENANT NOT SATISFIED:
                                    ----                          ----

8.    LOAN PRODUCTION VOLUME

<TABLE>
<CAPTION>
       ----------------------------------------------------------------
            Loan Type          Number of Mortgage    Aggregate Mortgage
                                     Loans               Note Amount
       ----------------------------------------------------------------
<S>                            <C>                   <C>
       Prime Mortgage Loans
       ----------------------------------------------------------------
        Subprime Mortgage
              Loans
       ----------------------------------------------------------------
        High LTV Mortgage
              Loans
       ----------------------------------------------------------------
</TABLE>

9.    INVESTMENTS IN AFFILIATES

      K, S, & K, LLC                                        $
                                                              ----------------
      Creations Title LLC                                   $
                                                              ----------------
      Great Western Loan & Investments LP                   $
                                                              ----------------
      Oak Street Funding LLC                                $
                                                              ----------------
      H&K Collections LLC                                   $
                                                              ----------------

                                       21
<PAGE>
10.   ADVANCES TO & RECEIVABLES FROM AFFILIATES

      K, S, & K, LLC                                        $
                                                              ----------------
      Creations Title LLC                                   $
                                                              ----------------
      Great Western Loan & Investments LP                   $
                                                              ----------------
      Oak Street Funding LLC                                $
                                                              ----------------
      H&K Collections LLC                                   $
                                                              ----------------
11.   AMOUNTS OWED TO AFFILIATES

      K, S, & K, LLC                                        $
                                                              ----------------
      Creations Title LLC                                   $
                                                              ----------------
      Great Western Loan & Investments LP                   $
                                                              ----------------
      Oak Street Funding LLC                                $
                                                              ----------------
      H&K Collections LLC                                   $
                                                              ----------------

                                       22<PAGE>

                                                                    EXHIBIT 10.6

                               FIFTH AMENDMENT TO
                           FIRST AMENDED AND RESTATED
                    WAREHOUSING CREDIT AND SECURITY AGREEMENT

FIFTH AMENDMENT TO FIRST AMENDED AND RESTATED WAREHOUSING CREDIT AND SECURITY
AGREEMENT (this "Amendment") dated as of March 15, 2004, between OAK STREET
MORTGAGE LLC, a Delaware limited liability company ("Oak Street LLC"), OAK
STREET MORTGAGE, INC., a Delaware corporation ("Oak Street Inc."), and OAK
STREET MORTGAGE OF TENNESSEE LLC, a Tennessee limited liability company ("Oak
Street TN") ("Oak Street LLC, Oak Street Inc. and Oak Street TN are collectively
referred to as "Borrower") and RESIDENTIAL FUNDING CORPORATION, a Delaware
corporation ("Lender").

A.    Borrower and Lender have entered into a revolving mortgage warehousing
      facility with a present Warehousing Commitment Amount of $200,000,000,
      which is evidenced by a First Amended and Restated Warehousing Promissory
      Note dated August 31, 2002, a Sublimit Promissory Note dated August 31,
      2002 (the "Notes"), and by a First Amended and Restated Warehousing Credit
      and Security Agreement dated as of August 31, 2002 (as the same may have
      been and may be amended or supplemented, the "Agreement").

B.    Borrower has requested that Lender amend the Agreement to provide for a
      Third Party Originated Loan Sublimit, and Lender has agreed to such
      amendment, subject to the terms and conditions of this Amendment.

NOW, THEREFORE, the parties to this Amendment agree as follows:

1.    Subject to Borrower's satisfaction of the conditions set forth in Section
      4, the effective date of the Amendment is March 10, 2004 ("Effective
      Date").

2.    Unless otherwise defined in this Amendment, all capitalized terms have the
      meanings given to those terms in the Agreement. Defined terms may be used
      in the singular or the plural, as the context requires. The words
      "include," "includes" and "including" are deemed to be followed by the
      phrase "without limitation." Unless the context in which it is used
      otherwise clearly requires, the word "or" has the inclusive meaning
      represented by the phrase "and/or," References to Sections and Exhibits
      are to Sections and Exhibits of this Amendment unless otherwise expressly
      provided.

3.    Exhibit A to the Agreement is amended and restated in its entirety as set
      forth in Exhibit A to this Amendment. All references in the Agreement and
      the other Loan Documents to Exhibit A are deemed to refer to the new
      Exhibit A.

4.    Exhibit E to the Agreement is amended and restated in its entirety as set
      forth in Exhibit E to this Amendment. All references in the Agreement and
      the other Loan Documents to Exhibit E are deemed to refer to the new
      Exhibit E.

5.    Exhibit H to the Agreement is amended and restated in its entirety as set
      forth in Exhibit H to this Amendment. All references in the Agreement and
      the other Loan Documents to Exhibit H are deemed to refer to the new
      Exhibit H.

6.    Borrower must deliver to Lender (a) two executed copies of this Amendment
      and (b) a $350 document production fee.

                                     Page 1
<PAGE>

7.    Borrower represents, warrants and agrees that (a) there exists no Default
      or Event of Default under the Loan Documents, except as set forth in
      Section 6 of this Fourth Amendment, (b) the Loan Documents continue to be
      the legal, valid and binding agreements and obligations of Borrower,
      enforceable in accordance with their terms, as modified by this Amendment,
      (c) Lender is not in default under any of the Loan Documents and Borrower
      has no offset or defense to its performance or obligations under any of
      the Loan Documents, (d) except for changes permitted by the terms of the
      Agreement, Borrower's representations and warranties contained in the Loan
      Documents are true, accurate and complete in all respects as of the
      Effective Date and (e) there has been no material adverse change in
      Borrower's financial condition from the date of the Agreement to the
      Effective Date.

8.    Except as expressly modified, the Agreement is unchanged and remains in
      full force and effect, and Borrower ratifies and reaffirms all of its
      obligations under the Agreement and the other Loan Documents.

9.    This Amendment may be executed in any number of counterparts, each of
      which will be deemed an original, but all of which shall together
      constitute but one and the same instrument.

IN WITNESS WHEREOF, Borrower and Lender have caused this Amendment to be duly
executed on their behalf by their duly authorized officers as of the day and
year above written.

                                     OAK STREET MORTGAGE LLC,
                                     a Delaware limited liability company

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

                                     OAK STREET MORTGAGE, INC.,
                                     a Delaware corporation

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

                                     OAK STREET MORTGAGE OF TENNESSEE LLC, a
                                     Tennessee limited liability company

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

                                     RESIDENTIAL FUNDING CORPORATION,
                                     a Delaware corporation

                                     By:  /s/ Robin L. Swanson
                                         -----------------------------

                                     Its: Director
                                          ----------------------------

                                     Page 2
<PAGE>

                                                                    EXHIBIT A-SF

                               REQUEST FOR ADVANCE

                           OAK STREET MORTGAGE LLC [ ]
                    OAK STREET MORTGAGE OF TENNESSEE LLC [ ]
                          OAK STREET MORTGAGE, INC. [ ]

Loan Number : ____________________________   Reviewed
                                             By:         _______________________

Mortgagor :   ____________________________   Warehouse
SSN:          ____________________________   Date:       _______________________

Address:      ____________________________   Effective
              ____________________________   Date:       _______________________
Zip Code:     ____________________________

Loan-to-Value Ratio:________ FICO Score:________ Debt-to-income Ratio: _________

<TABLE>
<S>     <C>                     <C>          <C>        <C>
Status: [] Committed            [] RFC       Loan Type: [] prime [] FHA [] VA
        [] Uncommitted                                  [] Subprime/Grade_______
        [] Wet Settlement       [] Received             [] High LTV [] First [] Second
        [] Repurchased                                  [] Nonperforming
        [] MERS                              Term:      [] Fixed__________ Term
        [] Open-end Second                              [] ARM ______ Adjustment
        [] Closed-end Second                               Period
        [] 3rd Party Originated                         [] Balloon__________Term
</TABLE>

                                          Interest Rate: _________

Mortgage Note Date:____________________   Maturity Date:________________________

Mortgage Note Amount:__________________   Unpaid Principal Balance:_____________

Original Lender (if applicable):_______   Acquisition Cost: (if applicable):____

Requested Warehouse Advance Amount:____   Title Company:________________________

Investor:______________________________   Title Company Contact:________________

Investor Contact:______________________   Title Company Phone:__________________

Investor Phone:________________________   Expiration Date:______________________

Committed Purchase Price:______________   Purchase Commitment No.:______________

                              FUNDING INSTRUCTIONS

[] Wire Funding

     Account to Debit:___________________     Date of Wire:_____________________

     Credit Acct. Name:__________________     Amount of Wire:___________________

     Bank Name:__________________________     Credit Acct. No.:_________________

     City and State:_____________________     ABA No.:__________________________
     Ref:________________________________     Advise:____________ Phone:________

[] Check Funding

                                    Page A-1
<PAGE>

      Check No.:__________________________ Amount:______________________________

                             REQUIRED DOCUMENTATION

The following documents in connection with the above request are enclosed:

RIGHT

[]    Original and 1 copy of Mortgage Note

[]    Certified copy of Mortgage

[]    Original or certified copy of recorded Mortgage (Repurchased Mortgage
      Loans and Nonperforming Mortgage Loans)

[]    Original ALTA Mortgage's Policy of Title Insurance or equivalent
      (Repurchased Mortgage Loans and Nonperforming Mortgage Loans)

[]    *Copy of Investor Purchase Commitment (or satisfactory evidence thereof)

[]    *Copy of HUD-1 Settlement Statement or equivalent with evidence of initial
      Advance amount (open-end Second Mortgage Loans)

[]    *Copy of AssetWise Certificate (Required for High LTV Mortgage Loans)

[]    *Copy of Borrower's closing instructions to escrow/title company (table
      funded Mortgage Loans only)

[]    *Copy of a letter (or other acceptable documentation) from the holder of
      the Mortgage Loan to Borrower documenting the purchase price for the
      Mortgage Loan, releasing the holder's ownership interest in the Mortgage
      Loan against payment of that purchase price by Borrower and containing
      wire transfer instructions for payment of that purchase price (Third Party
      Originated Loans only)

LEFT

[]    *Request for Advance (original and 1 copy)

[]    Recordable assignment of Mortgage (not required for Mortgage Loans
      registered on the MERS system after delivery of an Electronic Tracking
      Agreement, if approved by Lender)

[]    Certified copies of interim assignments of Mortgage (if applicable)

[]    *Investor repurchase demand letter (Repurchased Mortgage Loans only)

[]    *Summary of Mortgage Loan documentation or Investor problems, expected
      cure period and current payment history (Repurchased Mortgage Loans only)

[]    *Broker price opinion or Appraisal (Repurchased Mortgage Loans and
      Nonperforming Mortgage Loans)

NOTE: Items designated with the "*" are required prior to a Wet Settlement
Advance.

For the new value this day received, Oak Street Mortgage LLC, Oak Street
Mortgage of Tennessee, LLC and Oak Street Mortgage, Inc. ("Borrowers"), grants a
security interest to Residential Funding Corporation ("Lender") in all of
Borrower's right, title and interest in and to the Mortgage Loan described
above, together with all related "Collateral," as more particularly described in
the First Amended and Restated Warehousing Credit and Security Agreement (as
amended, supplemented or otherwise modified) between Borrower and Lender.

OAK STREET MORTGAGE LLC

Authorized Signature:_________________________

OAK STREET MORTGAGE OF TENNESSEE LLC

Authorized Signature:_________________________

OAK STREET MORTGAGE, INC.

Authorized Signature:_________________________

                                    Page A-2
<PAGE>

                                                                       EXHIBIT H

                         ELIGIBLE LOANS AND OTHER ASSETS

                             Oak Street Mortgage LLC
                            Oak Street Mortgage, Inc.
                      Oak Street Mortgage of Tennessee LLC

LIMITATIONS ON WAREHOUSING ADVANCES AGAINST MORTGAGE LOANS

      Lender's obligation to make Warehousing Advances under the Agreement is
      subject to the following limitations:

            1.    No Warehousing Advance will be made against any Mortgage Loan
                  that has been previously sold or pledged to obtain financing
                  (whether or not such financing constitutes Debt) under another
                  warehousing financing arrangement or a gestation agreement.

            2.    No Warehousing Advance will be made against any Mortgage Loan
                  that Lender believes may be based on untrue, incomplete or
                  inaccurate or fraudulent information or may otherwise be
                  subject to fraud.

            3.    No Warehousing Advance will be made against a Mortgage Loan if
                  any of the limitations set forth in this Exhibit H would be
                  exceeded after giving effect to the Warehousing Advance.

            4.    No Warehousing Advance will be made against a Mortgage Loan
                  with an original principal balance in excess of $2,000,000.

            5.    No Warehousing Advance will be made against a Third Party
                  Originated Loan that was closed more than 45 days prior to the
                  date on which the requested Warehousing Advance is to be made.

SUBLIMITS

      These general limitations apply to all Warehousing Advances against
      Eligible Loans:

                  1. Wet Settlement Advances:        40% of the Warehousing
                                                     Commitment Amount.

                  2. Third Party Originated Loans:   $10,000,000 (Wet Settlement
                                                     Advances not permitted)

ELIGIBLE LOANS AND TERMS OF WAREHOUSING ADVANCES

      Subject to compliance with the terms and limitations set forth below and
      the terms, representations and warranties and the covenants in the
      Agreement, each of the following Mortgage Loans is an Eligible Loan for
      purposes of the Agreement:

                                        1
<PAGE>

1.    PRIME MORTGAGE LOAN

      (a) Definition: A First Mortgage Loan or a Second Mortgage Loan with the
      following characteristics:

          (i) For a First Mortgage Loan:

                 A.   Underwritten substantially in accordance with Fannie Mae
                 or Freddie Mac underwriting standards (except as to maximum
                 amount); and

                 B.   Loan-to-Value Ratio not to exceed 80% or, if the
                 Loan-to-Value Ratio exceeds 80%, the Prime Mortgage Loan is
                 insured by or subject to a commitment for mortgage insurance
                 in an amount and on terms and conditions that satisfy the
                 underwriting standards of Fannie Mae or Freddie Mac; or

                  C.    A Government Mortgage Loan.

          (ii) For a Second Mortgage Loan:

                 A.   The credit of the obligor has been underwritten
                 substantially in accordance with Fannie Mae or Freddie Mac
                 underwriting standards; and

                 B.   Loan-to-Value Ratio not more than 100%.

      (b) Interest Rate:

          (i)  Other Mortgage Loans:     1.00% over LIBOR

          (ii) Aged Mortgage Loans:      1.50% over LIBOR

      (c) Prime Sublimit:                $24,000,000

          (i)   First Mortgage Loan:     $24,000,000

          (ii)  Second Mortgage Loan:    $12,000,000

          (iii) Aged Mortgage Loans:     $600,000

      (d) Committed/Uncommitted:

          (i) First Mortgage Loans:      Purchase Commitment required

          (ii) Second Mortgage Loans:    Purchase Commitment NOT required

      (e) Wet Settlement Advances:       Permitted

      (f) Aged Mortgage Loans:           Permitted for First Mortgage Loans only

      (g) Committed Advance Rate:

          (i)  First Mortgage Loan:      100% of the lesser of (i) the Mortgage
                                         Note Amount or (ii) the Committed
                                         Purchase Price

          (ii) RFC Mortgage Loan:        100% of the lesser of (i) of the
                                         Mortgage Note Amount or (ii) the
                                         Committed Purchase Price

                                       2
<PAGE>

      (h) Uncommitted Advance Rate:      100% of the Mortgage Note Amount

      (i) Standard Warehouse Period:     90 days

      (j) Aged Warehouse Period:         120 days

      (k) Required Prepayments:          All Mortgage Loans in warehouse 45 days
                                         will be reduced by 2% of the Mortgage
                                         Note Amount.

                                         On the day a Pledged Loan becomes an
                                         Aged Mortgage Loan, the Warehousing
                                         Advance against such Pledged Loan must
                                         be (a) repaid in full, to the extent
                                         the Aged Mortgage Loan Sublimit would
                                         be exceeded, or (b) otherwise, reduced
                                         by 5% of the Mortgage Note Amount.

2.    SUBPRIME MORTGAGE LOAN

      (a) Definition: A First Mortgage Loan or Second Mortgage Loan that has a
      risk rating of "A-," "B" or "C" (determined using underwriting standards
      that comply with industry standards in the sole judgment of Lender), and
      that is acceptable for purchase by at least two investors.

      (b) Interest Rate:

          (ii) Other Mortgage Loans:     1.00% over LIBOR

          (ii) Aged Mortgage Loans:      1.50% over LIBOR

      (c) Subprime Sublimit:             $200,000,000

          (i)   First Mortgage Loan:     $200,000,000
          (ii)  Second Mortgage Loan:    $40,000,000
          (iii) Aged Mortgage Loans:     $10,000,000

      (d) Committed/Uncommitted:         Purchase Commitment NOT required

      (e) Wet Settlement Advances:       Permitted

      (f) Aged Mortgage Loans:           Permitted for First Mortgage Loans only

      (g) Committed Advance Rate:

          (i) RFC Mortgage Loan:         100% of the lesser of (i) of the
                                         Mortgage Note Amount or (ii) the
                                         Committed Purchase Price

      (h) Uncommitted Advance Rate:

          (i)   First Mortgage Loan:     100% of the Mortgage Note Amount

          (ii)  Second Mortgage Loan:    100% of the Mortgage Note Amount

                                       3
<PAGE>

      (i) Standard Warehouse Period:     90 days

      (j) Aged Warehouse Period:         180 days

      (k) Required Prepayments:          All Mortgage Loans in warehouse 45 days
                                         will be reduced by 2% of the Mortgage
                                         Note Amount.

                                         On the day a Pledged Loan becomes an
                                         Aged Mortgage Loan, the Warehousing
                                         Advance against such Pledged Loan must
                                         be (a) repaid in full, to the extent
                                         the Aged Mortgage Loan Sublimit would
                                         be exceeded, or (b) otherwise, reduced
                                         by 5% of the Mortgage Note Amount.
                                         Thereafter, the Warehousing Advance
                                         must be reduced by 5% of the Mortgage
                                         Note Amount.

3.    HIGH LTV MORTGAGE LOAN

      (a) Definition: A Second Mortgage Loan that meets the 125 Loan Program
      eligibility criteria set forth in the GMAC-RFC Client Guide and for which
      an AssetWise Certificate has been issued, and a First Mortgage Loan that
      meets the Home Solution Program eligibility criteria set forth in the
      GMAC-RFC Client Guide and for which an AssetWise Certificate has been
      issued.

      (b) Interest Rate:                 2.00% over LIBOR

      (c) High LTV Sublimit:             $1,000,000

      (d) Committed/Uncommitted:         Purchase Commitment from Lender
                                         required

      (e) Wet Settlement Advances:       Permitted

      (f) Aged Mortgage Loans:           Not Permitted

      (g) Committed Advance Rate:

          (i)  First Mortgage Loan:      98% of the lesser of (i) of the
                                         Mortgage Note Amount or (ii) the
                                         Committed Purchase Price

          (ii) Second Mortgage Loan:     95% of the lesser of (i) of the
                                         Mortgage Note Amount or (ii) the
                                         Committed Purchase Price

      (h) Standard Warehouse Period:     45 days

4.    REPURCHASED MORTGAGE LOAN/NONPERFORMING MORTGAGE LOAN/REO PROPERTY

      (a) Definitions:

                                       4
<PAGE>

              Repurchased Mortgage Loan: A Mortgage Loan that has been
              repurchased from an Investor or a Mortgage Pool pursuant to a
              Servicing Contract.

              Nonperforming Mortgage Loan: A First Mortgage Loan or a Second
              Mortgage Loan that is not a High LTV Mortgage Loan and (i) is in
              the process of foreclosure, (ii) is 60 days or more delinquent or
              (iii) with respect to which the Warehousing Period has expired.

              REO Property: An improved real property containing a 1- to
              4-family residence, which property is owned by Borrower as the
              result of a foreclosure proceeding or the acceptance of a deed in
              lieu of foreclosure, or has been purchased from an Investor to
              satisfy a repurchase obligation of Borrower to the Investor.

      (b) Interest Rate:                 3.25% over LIBOR

      (c) Sublimit:                      $2,400,000

      (d) Committed/Uncommitted:         Purchase Commitment NOT required

      (e) Wet Settlement Advances:       Not Permitted

      (f) Aged Mortgage Loans:           Not Permitted

      (g) Advance Rate for Repurchased
          and Nonperforming Mortgage
          Loans:                         90% of the lesser of (i) Lender's
                                         initial Warehousing Advance, (ii) the
                                         unpaid principal balance, (iii) the
                                         repurchase price, or (iv) the Appraised
                                         Property Value or BPO Value

      (h) Advance Rate for REO Property: The lesser of (i) 60% Lender's initial
                                         Warehousing Advance or (ii) 60% of the
                                         Appraised Property Value or BPO Value

      (i) Standard Warehouse Period:     365 days

      (j) Required Prepayments for
          Repurchased and Nonperforming
          Mortgage Loans:                5% of the Mortgage Note Amount, paid
                                         each month occurring more than 90 days
                                         after the date of the Warehousing
                                         Advance

      (k) Required Prepayments for REO
          Property:                      5% of the initial Warehousing Advance
                                         against an REO Property paid each month
                                         occurring more than 90 days after the
                                         date of the Warehousing Advance

                                       5

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