Document:

EX-10.66

 Exhibit 10.66 

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. 
 EXECUTION VERSION 

AMENDMENT NO. 2 
 TO
MASTER REPURCHASE AGREEMENT 
 Amendment No. 2 to Master Repurchase Agreement, dated as of July 22, 2014 (this
“Amendment”), by and between Bank of America, N.A. (“Buyer”) and Caliber Home Loans, Inc. (“Seller”). 

RECITALS 
 Buyer and
Seller are parties to that certain Master Repurchase Agreement, dated as of September 18, 2013 (as amended, restated, supplemented or otherwise modified from time to time, the “Existing Master Repurchase Agreement”; and as
amended by this Amendment, the “Master Repurchase Agreement”). 
 Buyer and Seller have agreed, subject to the terms and
conditions of this Amendment, that the Existing Master Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Master Repurchase Agreement. 

Accordingly, Buyer and Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing
Master Repurchase Agreement is hereby amended as follows: 
 SECTION 1. Delivery of Mortgage Loan Documents. Section 3.3 of the
Existing Master Repurchase Agreement is hereby amended by deleting clause (c) in its entirety and replacing it with the following (modified text underlined for review purposes): 

 

	 	(c)	 Pooled Mortgage Loans. With respect to a Transaction the subject of which is a Pooled Mortgage Loan,
Seller shall deliver to Buyer or its Custodian, as applicable, the related Agency Documents in accordance with and pursuant to the terms of Section 7.2(d) hereof and the Custodial Agreement and Seller shall cause the Custodian to deliver a
trust receipt to Buyer with respect to such Mortgage Loans in accordance with the terms of the Custodial Agreement. In addition, Seller shall deliver to Buyer a duly executed Trade Assignment together with a true and complete copy of the Purchase
Commitment with respect to the related Mortgage-Backed Security in accordance with and pursuant to the terms of Section 7.2 (d) and Section 7.2(p). 

SECTION 2. Repurchase Acceleration Events. Section 4.2 of the Existing Master Repurchase Agreement is hereby amended by
(a) deleting “or” at the end of clause (i), (b) deleting the “.” at the end of clause (j) and replacing it with “; or” and (c) adding the following clause (k) at the end thereof: 

 

	 	(k)	 with respect to any Pooled Mortgage Loan or Mortgage-Backed Security, if the Seller has failed to deliver the
related Trade Assignment to Buyer in accordance with the requirements set forth in Section 7.2(p). 

  

  
 1 

 SECTION 3. Servicing. Section 6.2 of the Existing Master Repurchase Agreement is
hereby amended by deleting clause (n) in its entirety and replacing it with the following (modified text underlined for review purposes): 
  

	 	(n)	 Termination. Buyer shall have the right at any time to immediately terminate the Seller’s or any
Servicer’s (as applicable) right to service the Purchased Mortgage Loans due to a Servicer Termination Event or for any other reason without payment of any penalty or termination fee. Seller shall cooperate, or cause the Servicer to cooperate,
in transferring the servicing of the Purchased Mortgage Loans to a successor servicer appointed by Buyer. For the avoidance of doubt any termination of the Servicer’s rights to service by the Buyer as a result of a Servicer
Termination Event (pursuant to clause (g) of the definition thereof) or an Event of Default shall be deemed part of an exercise of the Buyer’s rights to cause the liquidation, termination or acceleration of this
Agreement. 

 SECTION 4. Conditions Precedent. Section 7.2 of the Existing Master Repurchase Agreement is
hereby amended by: 
 4.1 deleting clause (a)(iii) in its entirety and replacing it with the following: 

(iii) [reserved]; 
 4.2 deleting
clause (d) in its entirety and replacing it with the following (modified text underlined for review purposes): 
  

	 	(d)	 on or prior to the Pooling Date for any Pooled Mortgage Loan, Seller shall deliver or cause to be delivered
(A) to Buyer, an executed trust receipt from the Custodian relating to such Mortgage Loan in form and substance satisfactory to Buyer, (B) to the Custodian (or otherwise made available to the Custodian), all documents, schedules and forms
required by and in accordance with the Custodial Agreement, (C) to Buyer, a copy of each of the applicable Agency Documents, and (D) to Buyer, a Trade Assignment executed by such Seller that satisfies the requirements set forth in
Section 7.2(p); 

 4.3 (a) deleting “and” at the end of clause (n), (b) deleting the
“.” at the end of clause (o) and replacing it with “; and” and (c) adding the following clause (p) immediately after clause (o) thereof: 

 

	 	(p)	 Seller hereby acknowledges that, in order for Buyer to satisfy the “good delivery standards” of the
Securities Industry and Financial Markets Association (“SIFMA”) as set forth in the SIFMA Uniform Practices Manual and SIFMA’s Uniform Practices for the Clearance and Settlement of Mortgage Backed Securities and other Related
Securities, in each case, as amended from time to time, Buyer must deliver each Trade Assignment in respect of Pooled Mortgage Loans or Mortgage-Backed Securities to the related Approved Investor no later than
seventy-two (72) hours prior to 

  

  
 2 

	 	
settlement of the related Mortgage-Backed Security. Seller hereby acknowledges and agrees to deliver to Buyer, in form and substance satisfactory to Buyer in its good faith discretion and not
later than 1:00 p.m. (New York City time) on the date on which such seventy-two (72) hour period commences, each related Trade Assignment executed by Seller, together with a true and complete copy of the
related Purchase Commitment for any Assets subject to the proposed Transaction that are subject to a Purchase Commitment. 

SECTION 5. Financial Statements and Other Reports. Section 9.1 of the Existing Master Repurchase Agreement is hereby amended by
deleting clause (h) in its entirety and replacing it with the following (modified text underlined for review purposes): 
  

	 	(h)	 Reports and Information Regarding Purchased Assets. Seller shall deliver to Buyer, with reasonable
promptness, upon Buyer’s request, (i) copies of any reports related to the Purchased Assets, (ii) copies of customary documentation in connection with the underwriting and origination of any Purchased
Asset that evidences compliance with, (x) with respect to all Purchased Assets other than Bond Loans – 1st Lien, the Ability to Repay Rule and,
(y) with respect to all Purchased Assets other than Bond Loans – 1st Lien and Permitted Non-Qualified Mortgage Loans,
the QM Rule, as applicable, and (iii) any other information in Seller’s possession related to the Purchased Assets. 

SECTION 6. Notice. Section 9.3 of the Existing Master Repurchase Agreement is hereby amended by deleting clause (b) in its
entirety and replacing it with the following (modified text underlined for review purposes): 
  

	 	(b)	 any action, suit or proceeding instituted by or against Seller in any federal or state court or before any
commission or other regulatory body (federal, state or local, foreign or domestic), or any such action, suit or proceeding threatened against Seller, in any case, if such action, suit or proceeding, or any such action, suit or proceeding threatened
against Seller, (i) involves a potential liability, on an individual or aggregate basis, equal to or greater than [***] of Seller’s Tangible Net Worth, (ii) is reasonably likely to result in a Material Adverse Effect if determined
adversely, (iii) questions or challenges the validity or enforceability of any of the Principal Agreements or (iv) questions or challenges compliance of any Purchased Mortgage Loan with, (x) with respect to any
Purchased Mortgage Loan other than Bond Loans – 1st Lien, the Ability to Repay Rule or, (y) with respect to any Purchased Mortgage Loan other than Bond Loans
– 1st Lien and Permitted Non-Qualified Mortgage Loans, the QM Rule; 

SECTION 7. Notices. Section 14.11 of the Existing Master Repurchase Agreement is hereby amended by: 

  
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 7.1 revising the address for notices to Buyer set forth in clause (a) as follows
(modified text underlined for review purposes): 
  

					
		  	If to Buyer:	  	Bank of America, N.A.
		  		  	4500 Park Granada
		  		  	Mail Code: CA7-910-02-38
		  		  	Calabasas, California 91302
		  		  	Attention: Adam Gadsby, Managing Director
		  		  	Telephone: (818) 225-6541
		  		  	Fax: (213) 457-8707
		  		  	E-mail: Adam.Gadsby@baml.com
			
		  		  	With copies to:
			
		  		  	Bank of America, N.A.
		  		  	One Bryant Park, 11th Floor
		  		  	Mail Code: NY1-100-11-01
		  		  	New York, New York 10036
		  		  	Attention: Eileen Albus, Director, Mortgage Finance
		  		  	Telephone: (646) 855-0946
		  		  	Fax: (646) 855-5050
		  		  	E-mail: Eileen.Albus@baml.com
			
		  		  	and
			
		  		  	Bank of America, N.A.
		  		  	One Bryant Park
		  		  	Mail Code: NY1-100-17-01
		  		  	New York, New York 10036
		  		  	Attention: Michael J. Berg, Assistant General Counsel
		  		  	Telephone: (646) 855-0706
		  		  	Fax: (212) 378-3460
		  		  	E-mail: Michael.J.Berg@bankofamerica.com
		  		  	
		  		  	

 7.2 revising the address for emails to Buyer set forth in clause (b) as follows (modified text underlined
for review purposes): 
  

					
		  	If to Buyer:	  	Eileen.Albus@baml.com
		  		  	Michael.J.Berg@bankofamerica.com
		  		  	Adam.Gadsby@baml.com
		  		  	Adam.Robitshek@baml.com

 SECTION 8. Examination and Oversight. Section 14.24 of the Existing Master Repurchase Agreement is
hereby amended by deleting such section in its entirety and replacing it with the following (modified text underlined for review purposes): 
  

  
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	 	14.24	 Examination and Oversight by Regulators. Seller agrees that the transactions with Buyer under
this Agreement may be subject to regulatory examination and oversight by one or more Governmental Authorities. Seller shall comply with all requests made by Buyer (in its good faith discretion) to assist Buyer in complying
with regulatory requirements imposed on Buyer. 

 SECTION 9. Definitions. Exhibit A of the Existing
Master Repurchase Agreement is hereby amended by: 
 9.1 deleting the definitions of “Bond Loan – 1st Lien”, “Mortgage Loan”, “One-Month LIBOR”, “Other Mortgage Loan Documents”, “Strict Compliance” and
“Transaction” each in its entirety and replacing them with the following: 
 Bond Loan – 1st Lien: Unless defined otherwise in the Transactions Terms Letter, a first lien mortgage loan (i) that was originated and underwritten in accordance with a
qualifying local or state governmental homeownership program administered by a Housing Finance Agency (as defined under 24 CFR 266.5) and (ii) with respect to which Seller has obtained a Purchase Commitment on or prior to the related Purchase
Date. 
 Mortgage Loan: An Agency Eligible Mortgage Loan, Bond Loan – 1st Lien, Conventional Conforming Mortgage
Loan, Government Mortgage Loan, HARP Mortgage Loan, HomePath Mortgage Loan, HomeStyle Renovation Mortgage Loan, Jumbo Mortgage Loan (including a Jumbo Interest Only Mortgage Loan), Manufactured Home Loan, and Texas Cash-Out Refinance Mortgage Loan, as further specified in the Transactions Terms Letter, which Mortgage Loan may be either a Dry Mortgage Loan or a Wet Mortgage Loan. 

One-Month LIBOR: The daily rate per annum (rounded to three (3) decimal
places) for one-month U.S. dollar denominated deposits as offered to prime banks in the London interbank market, as published on the Official ICE LIBOR Fixings page by Bloomberg or in the Wall
Street Journal as of the date of determination; provided, that if Buyer determines that any law, regulation, treaty or directive or any change therein or in the interpretation or application thereof, or any circumstance materially and adversely
affecting the London interbank market, shall make it unlawful, impractical or commercially unreasonable for Buyer to enter into or maintain Transactions as contemplated by this Agreement using One-Month LIBOR,
then Buyer may, in addition to its rights under Section 4.5 herein, select an alternative rate of interest or index in its discretion. 

Other Mortgage Loan Documents: In addition to the Mortgage Loan Documents, with respect to any Mortgage Loan, the
following: (i) the original recorded Mortgage, if not included in the Mortgage Loan Documents; (ii) a copy of the preliminary title commitment showing the policy number or preliminary attorney’s opinion of title and the original
policy of mortgagee’s title insurance or unexpired commitment for a policy of mortgagee’s title insurance, if not included 
  

  
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in the Mortgage Loan Documents; (iii) the original Closing Protection Letter and a copy of the Irrevocable Closing Instructions; (iv) the original Purchase Commitment, if any;
(v) the original FHA certificate of insurance or commitment to insure, the VA certificate of guaranty or commitment to guaranty and the Insurer’s certificate or commitment to insure, as applicable; (vi) the survey, flood certificate,
hazard insurance policy and flood insurance policy, as applicable; (vii) the original of any assumption, modification, consolidation or extension agreements, with evidence of recording thereon or copies stamp certified by an authorized officer
of Seller to have been sent for recording, if any; (viii) copies of each instrument necessary to complete identification of any exception set forth in the exception schedule in the title policy; (ix) the loan application;
(x) verification of the Mortgagor’s employment and income, if applicable; (xi) verification of the source and amount of the downpayment; (xii) credit report on Mortgagor; (xiii) appraisal of the Mortgaged Property (or in the
case of any HARP Mortgage Loan, an appraisal or a waiver thereof, and/or a point value estimate, as permitted by the applicable Agency Guides); (xiv) the original executed disclosure statement; (xv) Tax receipts, insurance premium receipts,
ledger sheets, payment records, insurance claim files and correspondence, current and historical computerized data files, underwriting standards used for origination and all other related papers and records; (xvi) the original of any guarantee
executed in connection with the Mortgage Note (if any); (xvii) the original of any security agreement, chattel mortgage or equivalent document executed in connection with the Mortgage; (xviii) all copies of powers of attorney or similar instruments,
if applicable; (xix) copies of all documentation in connection with the underwriting and origination of any Purchased Mortgage Loan that evidences compliance with, (1) with respect to all Purchased Mortgage Loans other
than Bond Loans – 1st Lien, the Ability to Repay Rule and, (2) with respect to all Purchased Mortgage Loans other than Bond Loans – 1st Lien and Permitted Non-Qualified Mortgage Loans, the QM Rule; and (xx) all other documents relating to the Purchased Mortgage Loan. 

Strict Compliance: The compliance of Seller and Mortgage Loans that are intended to be Agency Eligible Mortgage Loans with
the requirements of the applicable Agency Guide, as applicable and as amended by any agreements between Seller and the applicable Agency, sufficient to enable Seller to issue and Ginnie Mae to guarantee or Fannie Mae or Freddie Mac to issue and
guarantee a Mortgage-Backed Security; provided, that until copies of any such agreements between Seller and Fannie Mae, Freddie Mac or Ginnie Mae, as applicable, have been provided to Buyer by Seller and agreed to by Buyer, such
agreements shall be deemed, as between Seller and Buyer, not to amend the requirements of the applicable Agency Guide. 

Transaction: As set forth in the Recitals of this Agreement. 

9.2 deleting clause (g) of the definition of “Purchased Items” in its entirety and replacing it with the following
(modified text underlined for review purposes): 
  

  
 6 

	 	(g)	 all Servicing Rights related to the Purchased Mortgage Loans, all related Servicing Records, and all rights of
Seller to receive from any third party or to take delivery of any Servicing Records or other documents which constitute a part of the Mortgage Loan Files, all rights of Seller to receive from any third party or to take delivery of any records or
other documents which constitute a part of the Mortgage Loan Files, all rights of Seller to receive from any third party or to take delivery of any Other Mortgage Loan Document; 

9.3 adding the following definitions in their proper alphabetical order: 

Ability to Repay Rule: 12 CFR 1026.43(c), including all applicable official staff commentary. 

Interest Only Mortgage Loan: A Mortgage Loan which, by its terms, requires the related Mortgagor to make monthly payments
of only accrued interest for a certain period of time following origination. After such interest-only period, the loan terms provide that the Mortgagor’s monthly payment will be recalculated to cover both interest and principal so that such
Mortgage Loan will amortize fully on or prior to its final payment date. 
 Jumbo Interest Only Mortgage Loan: A Jumbo Mortgage
Loan that is an Interest Only Mortgage Loan. 
 Manufactured Home Loan: A Conventional Conforming Mortgage Loan or
Government Mortgage Loan secured by a manufactured home (as defined by HUD) provided that (a) such manufactured home is attached to a permanent foundation, is no longer transportable (mobile homes) and is considered and treated as
“real estate” under applicable law, (b) such manufactured home is originated in compliance with Title II under FHA 203(b) and (c) such Conventional Conforming Mortgage Loan or Government Mortgage Loan is eligible for
securitization by an Agency pursuant to the terms of the applicable Agency Guides. 
 Permitted
Non-Qualified Mortgage Loan: A Jumbo Interest Only Mortgage Loan. 
 QM
Rule: 12 CFR 1026.43(e), including all applicable official staff commentary. 
 Qualified Mortgage: A Mortgage
Loan that satisfies the criteria for a “qualified mortgage” as set forth in the QM Rule. 

  
 7 

 Rebuttable Presumption Qualified Mortgage: A Qualified Mortgage
(excluding FHA loans) with an annual percentage rate that exceeds the average prime offer rate for a comparable mortgage loan as of the date the interest rate is set by [***] or more percentage points for a first-lien Mortgage Loan or by [***]
or more percentage points for a subordinate-lien Mortgage Loan. With respect to FHA loans, a Rebuttable Presumption Qualified Mortgage shall mean a Qualified Mortgage with an annual percentage rate that exceeds the average prime offer rate for a
comparable mortgage loan as of the date the interest rate is set by more than [***] percentage points plus the FHA annual premium amount for a first-lien Mortgage Loan. With respect to VA loans, a streamline interest rate reduction refinance loan
that does not satisfy all of the requirements under 38 C.F.R. 36.4300(c)(1) but does satisfy the requirements under 38 C.F.R. 36.4300(c)(1)(iii) and (iv). 

Safe Harbor Qualified Mortgage: A Qualified Mortgage (excluding FHA loans) with an annual percentage rate that does not
exceed the average prime offer rate for a comparable mortgage loan as of the date the interest rate is set by [***] or more percentage points for a first-lien Mortgage Loan or by [***] or more percentage points for a subordinate-lien Mortgage Loan.
With respect to FHA loans, a Safe Harbor Qualified Mortgage shall mean a Qualified Mortgage with an annual percentage rate that does not exceed the average prime offer rate for a comparable mortgage loan as of the date the interest rate is set by
more than [***] percentage points plus the FHA annual premium amount for a first-lien Mortgage Loan. With respect to VA loans, a Safe Harbor Qualified Mortgage shall mean all VA loans except for streamline interest rate reduction refinance loans
that do not satisfy the requirements under 38 C.F.R. 36.4300(c)(1). 
 SECTION 10. Representations and Warranties. Exhibit L to the
Existing Repurchase Agreement is hereby amended by: 
 10.1 deleting clauses (b), (o) and (xx) each in its entirety and replacing them
with the following: 
  

	 	(b)	 Purchase Commitment; Trade Assignment. Unless otherwise stated in the Transactions Terms Letter, the
Asset is covered by a Purchase Commitment that (i) permits assignment thereof to Buyer, (ii) does not exceed the availability under such Purchase Commitment (taking into consideration mortgage loans or securities, as
applicable, which have been purchased by the respective Approved Investor under the Purchase Commitment), (iii) conforms to the requirements and the specifications set forth in such Purchase Commitment and the related regulations, rules,
requirements and/or handbooks of the applicable Approved Investor, and (iv) is eligible for sale to and insurance or guaranty by, respectively, the applicable Approved Investor and any applicable insurer. Each such Purchase Commitment is
enforceable, in full force and effect, and if such Asset is a Pooled Mortgage Loan, such Purchase Commitment is validly and effectively assigned to Buyer pursuant to a Trade Assignment. Each such Trade Assignment is enforceable and in full force and
effect, and was delivered by Seller to Buyer in accordance with the requirements set forth in Section 7.2(p). Each Purchase Commitment and Trade Assignment is a legal, valid and binding obligation of Seller
enforceable against it in accordance with its terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors’ rights generally and subject, as to enforceability, to general principles of equity (regardless of whether
enforcement is sought in a proceeding in equity or at law). 

  
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	 	(o)	 Location and Type of Mortgaged Property. The Mortgaged Property consists of a single parcel of real
property with a detached single family residence erected thereon, or a two- to four-family dwelling, or such other dwelling(s) conforming with the applicable Fannie Mae and Freddie Mac requirements regarding
such dwellings or conforming to underwriting guidelines acceptable to Buyer in its sole discretion; provided that no residence or dwelling is a condominium unit (unless the related Mortgage Loan was originated in compliance with the Agency
Guides), a mobile home, a manufactured home (other than a manufactured home that meets the criteria set forth in the definition of Manufactured Home Loan) or a cooperative apartment. No Mortgage Loan is secured by a multi-family, mixed-use or commercial property, nor is any portion of the Mortgaged Property used for commercial purposes. 

  

	 	(xx)	 Points and Fees. All points and fees related to the Mortgage Loan were disclosed in writing to the
Mortgagor in accordance with applicable state and federal law and regulation. The points and fees related to such Mortgage Loan (other than a Bond Loan – 1st Lien and
a Permitted Non-Qualified Mortgage Loan) did not exceed 3% of the total loan amount (or such other applicable limits for lower balance Mortgages) as specified under 12 CFR 1026.43(e)(3), and the points and
fees were calculated using the calculation required for qualified mortgages under 12 CFR 1026.32(b) to determine compliance with applicable requirements. 

10.2 adding the following clauses (fff), (ggg), (hhh) and (iii) at the end thereof: 

 

	 	(fff)	 Qualified Mortgage. Each Mortgage Loan (other than a Bond Loan – 1st Lien and a Permitted Non-Qualified Mortgage Loan) satisfies the following criteria: 

 

	 	(i)	 Such Mortgage Loan is a Qualified Mortgage; 

 

	 	(ii)	 Prior to the origination of such Mortgage Loan, the related originator made a reasonable and good faith
determination that the related Mortgagor would have a reasonable ability to repay such Mortgage Loan according to its terms, in accordance with, at a minimum, the eight underwriting factors set forth in 12 CFR 1026.43(c)(2); and

  

	 	(iii)	 Such Mortgage Loan is supported by customary documentation that evidences compliance with the Ability to Repay
Rule and the QM Rule. 

  

	 	(ggg)	 Permitted Non-Qualified Mortgage. Each Mortgage Loan that is a
Permitted Non-Qualified Mortgage Loan satisfies the following criteria: 

  

  
 9 

	 	(i)	 Prior to the origination of such Mortgage Loan, the related originator made a reasonable and good faith
determination that the related Mortgagor would have a reasonable ability to repay such Mortgage Loan according to its terms, in accordance with, at a minimum, the eight underwriting factors set forth in 12 CFR 1026.43(c)(2); and

  

	 	(ii)	 Such Mortgage Loan is supported by customary documentation that evidences compliance with the Ability to Repay
Rule. 

  

	 	(hhh)	 Ability to Repay Determination. There is no credible or
non-frivolous (each as determined by Buyer in its good faith discretion) action, suit or proceeding instituted by or against or threatened against Seller in any federal or state court or before any commission
or other regulatory body (federal, state or local, foreign or domestic) that questions or challenges the compliance of any Mortgage Loan (or the related underwriting), with, (x) except with respect to a Bond Loan – 1st Lien, the Ability to Repay Rule or, (y) except with respect to a Bond Loan – 1st Lien or a Permitted
Non-Qualified Mortgage Loan, the QM Rule. 

  

	 	(iii)	 Loan Types. Each Mortgage Loan is either a Safe Harbor Qualified Mortgage, a Rebuttable Presumption
Qualified Mortgage, a Permitted Non-Qualified Mortgage Loan, or a Bond Loan — 1st Lien. Upon the reasonable request of Buyer, Seller shall identify the respective classification of any Mortgage Loan sold
hereunder. 

 SECTION 11. Fees and Expenses. Seller hereby agrees to pay to Buyer, on demand, any and all
reasonable out-of-pocket fees, costs and expenses (including reasonable fees and expenses of counsel) incurred by Buyer in connection with the development, preparation
and execution of this Amendment, irrespective of whether any transactions hereunder are executed. 
 SECTION 12. Conditions
Precedent. This Amendment shall become effective as of the date hereof upon Buyer’s receipt of this Amendment, executed and delivered by a duly authorized officer of Buyer and Seller. 

SECTION 13. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Master Repurchase Agreement shall
continue to be, and shall remain, in full force and effect in accordance with its terms. 
 SECTION 14. Counterparts. This Amendment
may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. 

SECTION 15. 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. 
  

  
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 SECTION 16. GOVERNING LAW. THE AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE
PARTIES HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAWS (OTHER THAN SECTION 5-1401 OF THE NEW YORK GENERAL
OBLIGATIONS LAW). 
 [SIGNATURE PAGE FOLLOWS] 
  

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

					
	BANK OF AMERICA, N.A.,
		 	Buyer	 	
		
	By:	 	 /s/ Adam Gadsby

		 	Name:	 	Adam Gadsby
		 	Title:	 	Managing Director
	
	CALIBER HOME LOANS, INC.,
		 	Seller	 	
		
	By:	 	 /s/ Steve Smith

		 	Name:	 	Steve Smith
		 	Title:	 	CFO

 Signature Page to Amendment No. 2 to Master Repurchase AgreementEX-10.67

 Exhibit 10.67 

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. 
 EXECUTION 

AMENDMENT NO. 3 
 TO
MASTER REPURCHASE AGREEMENT 
 Amendment No. 3 to Master Repurchase Agreement, dated as of November 14, 2014 (this
“Amendment”), by and between Bank of America, N.A. (“Buyer”) and Caliber Home Loans, Inc. (“Seller”). 

RECITALS 
 Buyer and
Seller are parties to that certain Master Repurchase Agreement, dated as of September 18, 2013 (as amended, restated, supplemented or otherwise modified from time to time, the “Existing Master Repurchase Agreement”; and as
amended by this Amendment, the “Master Repurchase Agreement”). 
 Buyer and Seller have agreed, subject to the terms and
conditions of this Amendment, that the Existing Master Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Master Repurchase Agreement. 

Accordingly, Buyer and Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing
Master Repurchase Agreement is hereby amended as follows: 
 SECTION 1. Delivery of Mortgage Loan Documents. Section 3.3 of the
Existing Master Repurchase Agreement is hereby amended by deleting subsection (d) in its entirety and replacing it with the following: 

(d) Government Mortgage Loans. With respect to a Transaction the subject of which is a Government Mortgage Loan, Seller
shall, at the request of Buyer, deliver to Buyer or its Custodian, within forty five (45) calendar days following the Purchase Date for such Mortgage Loan, the FHA Mortgage Insurance Contract, the VA Loan Guaranty Agreement or the RD Loan
Guaranty Agreement, as applicable, or evidence of such insurance or guaranty, as applicable, including proof of payment of the premium and the case number so Buyer can access the information on the computer system maintained by FHA, the VA or the
RD. 
 SECTION 2. Servicing Obligations of Seller. Section 6.2 of the Existing Master Repurchase Agreement is hereby amended by
deleting subsections (c) and (e)(i) in their entirety and replacing them with the following: 
 (c) Interim
Servicing Period; No Servicing Fee or Income. For each Transaction, Seller’s or the Servicer’s, as applicable, right to interim service a Purchased Mortgage Loan shall commence on the related Purchase Date and shall automatically
terminate without notice on the earlier of (i) thirty (30) days after the related Purchase Date or (ii) the Repurchase Date. If the interim servicing period expires with respect to any Purchased Mortgage Loan for any reason other than
Seller repurchasing such Purchased Mortgage Loan, then such interim servicing period shall automatically terminate if not renewed by Buyer. In connection with any such renewal, Seller or the Servicer, as applicable, shall continue to interim service
the Purchased Mortgage Loan 

  
 1 

 
for a thirty (30) day extension period. Absent any such extension of the interim servicing period, Seller or the Servicer, as applicable, shall transfer servicing of the Purchased Mortgage
Loan (which shall include the delivery of all Servicing Records related to such Purchased Mortgage Loan) to Buyer or its designee in accordance with the instructions of Buyer and any other applicable requirements of this Agreement. For the avoidance
of doubt, upon expiration of the interim servicing period (including the expiration of any extension period) with respect to any Purchased Mortgage Loan, Seller shall have no right to service the related Purchased Mortgage Loan nor shall Buyer have
any obligation to extend the interim servicing period (or continue to extend the interim servicing period), it being understood that upon such expiration, Seller shall promptly transfer the servicing of the related Purchased Mortgage Loan to Buyer
or its designee in accordance with the instructions of Buyer and any other applicable requirements of this Agreement. Buyer shall have no obligation to pay Seller or the Servicer, as applicable, nor shall Seller or the Servicer, as applicable, have
any right to deduct or retain, any servicing fee or similar compensation in connection with the interim servicing of a Purchased Mortgage Loan. 

(e)(i) Subservice and administer the Purchased Mortgage Loans on behalf of Buyer in accordance with prudent mortgage loan
servicing standards and procedures generally accepted in the mortgage banking industry and in accordance with the degree of care and servicing standards generally prevailing in the industry, including all applicable requirements of the Agency
Guides, applicable law, FHA Regulations, VA Regulations and RD Regulations, the requirements of any Insurer, as applicable, and the requirements of any applicable Purchase Commitment and the related Approved Investor, so that neither the eligibility
of the Purchased Mortgage Loan and any related Mortgage-Backed Security for purchase under such Purchase Commitment nor the FHA Mortgage Insurance, VA Loan Guaranty Agreement, RD Loan Guaranty Agreement or any other applicable insurance or guarantee
in respect of any such Purchased Mortgage Loan, if any, is voided or reduced by such servicing and administration; 
 SECTION 3. Margin
Deficit and Margin Call. Section 6.3(b) of the Existing Master Repurchase Agreement is hereby amended by deleting the first sentence of such section in its entirety and replacing it with the following: 

If Buyer shall determine in good faith and in accordance with the provisions of the Master Netting Agreement, at any time that
(x) the Asset Value of a Purchased Asset subject to a Transaction is less than the related Purchase Price for such Purchased Asset, (y) the aggregate Asset Value of all Purchased Assets subject to each Transaction is less than the Aggregate
Outstanding Purchase Price for such Transactions, or (z) the aggregate Asset Value of all Purchased Assets subject to all Transactions is less than the Aggregate Outstanding Purchase Price for such Transactions (in any such case, a
“Margin Deficit”), then Buyer may, at its sole option and by written notice to Seller (as such written notice is more particularly set forth below, a “Margin Call”), require Seller to either: 

  
 2 

 SECTION 4. Conditions Precedent. Section 7.2 of the Existing Master Repurchase
Agreement is hereby amended by deleting subsection (p) in its entirety and replacing it with the following: 
 (p)
Seller hereby acknowledges that, in order for Buyer to satisfy the “good delivery standards” of the Securities Industry and Financial Markets Association (“SIFMA”) as set forth in the SIFMA Uniform Practices Manual and
SIFMA’s Uniform Practices for the Clearance and Settlement of Mortgage Backed Securities and other Related Securities, in each case, as amended from time to time, Buyer must deliver each Trade Assignment in respect of Pooled Mortgage Loans or
Mortgage-Backed Securities to the related Approved Investor no later than seventy-two (72) hours prior to settlement of the related Mortgage-Backed Security. Seller hereby acknowledges and agrees to
deliver to Buyer, in form and substance satisfactory to Buyer in its good faith discretion and not later than 1:00 p.m. (New York City time) on the date on which such seventy-two (72) hour period commences,
each related Trade Assignment (with respect to any such Trade Assignment, solely to the extent such Pooled Mortgage Loan is not pooled with Mortgage Loans financed by a third party pursuant to a joint pooling agreement) executed by Seller, together
with a true and complete copy of the related Purchase Commitment for any Assets subject to the proposed Transaction that are subject to a Purchase Commitment. 

SECTION 5. Representations and Warranties. Section 8.1 of the Existing Master Repurchase Agreement is hereby amended by deleting
subsections (m), (y) and (aa) in their entirety and replacing them with the following: 
 (m) Approved Mortgagee.
Seller is an approved FHA, VA, RD, Ginnie Mae, Fannie Mae and/or Freddie Mac seller, issuer, mortgagee and/or servicer and is in good standing with these agencies. 

(y) Agency Approvals. Seller has all requisite Approvals and is in good standing with each Agency, with no event having
occurred or Seller having any reason whatsoever to believe or suspect will occur, including, without limitation, a change in insurance coverage which would either make the Seller unable to comply with the eligibility requirements for maintaining all
such applicable approvals or require notification to the relevant Agency or to HUD, FHA, VA or RD. 
 (aa) No Adverse
Actions. Seller has not received from any Agency, HUD, the FHA, the VA or the RD a notice of extinguishment or a notice indicating material breach, default or material non-compliance which Buyer reasonably
determines may entitle such Agency or HUD, the FHA, the VA or the RD to terminate, suspend, sanction or levy penalties against Seller, or a notice from any Agency, HUD, the FHA, the VA or the RD indicating any adverse fact or circumstance in respect
of Seller which Buyer reasonably determines may entitle such Agency or HUD, the FHA, the VA or the RD, as the case may be, to revoke any Approval or otherwise terminate, suspend Seller as an approved issuer, seller or servicer, as applicable, or
with respect to which such adverse fact or circumstance has caused any Agency, HUD, the FHA, the VA or the RD to terminate Seller. 

  
 3 

 SECTION 6. Financial Statements and Other Reports. Section 9.1 of the Existing
Master Repurchase Agreement is hereby amended by deleting subsections (e) and (f) in their entirety and replacing them with the following: 

(e) Reserved. 

(f) Government Insuring Reports. As requested by Buyer, Seller shall deliver to Buyer the following government insuring
reports (including 15 month history): 
 (i) Loans Originated - Current Defaults and Claims Reported – United States (from FHA
Connection): 
  

	 	•	 	 Output option: all loans 

 

	 	•	 	 Performance period: current period 

 

	 	•	 	 All insured single family loans with a beginning amortization within the last two years 

 

	 	(ii)	 HUD Pipeline/Uninsured Query: 

 

	 	•	 	 Date range: use default 

 

	 	•	 	 Sort by: originating ID in ascending order 

 

	 	(iii)	 Indemnification Query: 

 

	 	•	 	 Date range: last five years 

 

	 	•	 	 Sort by: case # in descending order 

 

	 	(iv)	 Late Endorsement Query: 

 

	 	•	 	 Loan status: Active, claimed 

 

	 	•	 	 Date range: last two year period 

 

	 	•	 	 Sort by: # days closing to Endr pkg Rcvd in descending order 

SECTION 7. Notice. Section 9.3 of the Existing Master Repurchase Agreement is hereby amended by deleting subsections (n) and
(o) in their entirety and replacing them with the following: 
 (n) upon Seller becoming aware of any (i) material non-monetary sanctions levied against Seller; (ii) penalties or charges levied against Seller in excess of $[***] individually incurred as a result of Seller’s actions or omission to act; (iii) any
change in Approval status of Seller or (iv) the commencement of any non-routine Agency Audit, investigation or the institution of any action or the threat of institution of any action against Seller, in
each case of clauses (i), (ii) and (iv), by any Agency, HUD, the FHA, the VA or the RD or any supervisory or regulatory Governmental Authority supervising or regulating the origination or servicing of mortgage loans by, or the issuer or seller
status of, Seller; 
 (o) with respect to a Purchased Mortgage Loan that is a Government Mortgage Loan, upon Seller becoming
aware of any fact or circumstance which would cause (a) such Purchased Mortgage Loan to be ineligible for FHA Mortgage Insurance, a VA loan guaranty or a RD loan guaranty, as applicable, (b) the FHA, the VA or the RD to deny or reject a
Mortgagor’s application for FHA Mortgage Insurance, a VA loan guaranty or a RD loan guaranty, respectively, or (c) the FHA, the VA or the RD to deny or reject any claim under any FHA Mortgage Insurance Contract, a VA Loan Guaranty
Agreement or a RD Loan Guaranty Agreement, respectively; 

  
 4 

 SECTION 8. Fidelity Bonds and Insurance. Section 9.9 of the Existing Master
Repurchase Agreement is hereby amended by deleting such section in its entirety and replacing it with the following: 
 9.9
Fidelity Bonds and Insurance. Seller shall maintain an insurance policy, in a form and substance satisfactory to Buyer, covering against loss or damage relating to or resulting from any breach of fidelity by Seller, or any officer, director,
employee or agent of Seller, any loss or destruction of documents (whether written or electronic), fraud, theft, misappropriation and errors and omissions, such that Buyer shall have the right to pursue any claim for coverage available to any named
insured to the full extent allowed by law. This policy shall name Buyer as a loss payee with an unlimited right of action and shall provide coverage in an amount as required by the Fannie Mae Guide. Following approval by Buyer of a specific
insurance policy, Seller shall not amend, cancel, suspend or otherwise change such policy without the prior written consent of Buyer. 

SECTION 9. Additional Repurchase or Warehouse Facility. Section 9.13 of the Existing Master Repurchase Agreement is hereby amended
by deleting such section in its entirety and replacing it with the following: 
 9.13 Additional Repurchase or Warehouse
Facility. Subject to Section 10.12, Seller shall maintain throughout the term of this Agreement, with nationally recognized and established counterparties (other than Buyer) mortgage loan repurchase or warehouse facilities that, in the
aggregate: (i) provide funding in an amount equal to at least the Aggregate Transaction Limit; and (ii) accommodate wet mortgage loans in an amount not less than the amount provided hereunder. 

SECTION 10. Events of Default. Section 11.1 of the Existing Master Repurchase Agreement is hereby amended by deleting the last
paragraph of such section in its entirety and replacing it with the following: 
 With respect to any Event of Default which
requires a determination to be made as to whether such Event of Default has occurred, such determination shall be made in Buyer’s discretion and Seller hereby agrees to be bound by and comply with any such determination by Buyer. An Event of
Default shall be deemed to be continuing unless expressly waived by Buyer in writing. 
 SECTION 11. Remedies. Section 11.2 of
the Existing Master Repurchase Agreement is hereby amended by deleting clause (e) in its entirety and replacing it with the following: 

(e) either (x) sell, without notice or demand of any kind, at a public or private sale and at such price or prices as
Buyer may deem to be commercially reasonable for cash or for future delivery without assumption of any credit risk, any or all or portions of the Purchased Assets on a servicing-retained or servicing-released basis; provided that Buyer may
purchase any or all of the Purchased Assets at any public or private sale; provided further that Seller shall remain liable to Buyer for any amounts that remain 

  
 5 

 
owing to Buyer following any such sale and/or credit; or (y) in its sole discretion elect, in lieu of selling all or a portion of such Purchased Assets, to give Seller credit for such
Purchased Assets (including credit for the Servicing Rights in respect of sales on a servicing-retained basis) in an amount equal to the Market Value of the Purchased Assets against the aggregate unpaid Repurchase Price and any other amounts owing
by Seller hereunder. Seller shall remain liable to Buyer for any amounts that remain owing to Buyer following a sale and/or credit under the preceding sentence; 

SECTION 12. Rights of Set-Off. Section 11.9 of the Existing Master Repurchase Agreement is
hereby amended by deleting subsections (a) and (b) in their entirety and replacing them with the following: 
 (a) If
Seller shall default in the payment or performance of any of its obligations under this Agreement, Buyer shall have the right, at any time, and from time to time, without notice, to set-off claims and to
appropriate or apply any and all deposits of money (solely with respect to deposits of money in the Over/Under Account) or any other indebtedness at any time held or owing by Buyer to or for the credit of the account of Seller against and on account
of the obligations and liabilities of Seller under this Agreement, irrespective of whether or not Buyer shall have made any demand hereunder and whether or not said obligations and liabilities shall have become due; provided, however, that the
aforesaid right to set-off against indebtedness shall not apply to any deposits of escrow monies being held on behalf of the Mortgagors related to the Purchased Mortgage Loans or other third parties. Without
limiting the generality of the foregoing, Buyer shall be entitled to set-off claims and apply property held by Buyer with respect to any Transaction against obligations and liabilities owed by Seller to Buyer
with respect to any other Transaction. Buyer may set off cash, the proceeds of any liquidation of the Purchased Assets and all other sums or obligations owed by Buyer to Seller against all of Seller’s obligations to Buyer, whether under this
Agreement, under a Transaction, or under any other agreement between the parties, or otherwise, whether or not such obligations are then due, without prejudice to Buyer’s right to recover any deficiency. Buyer agrees promptly to notify Seller
after any such set-off and application made by Buyer; provided that the failure to give such notice shall not affect the validity of such set-off and application. 

(b) In addition to the rights in subsection (a), Buyer and its Affiliates (collectively, the “Bank of America Related
Entities”), shall have the right to set-off and to appropriate or apply any and all deposits of money (solely with respect to deposits of money in the Over/Under Account) or any other indebtedness at
any time held or owing by the Bank of America Related Entities to or for the credit of the account of Seller and its Subsidiaries against and on account of the obligations of Seller under any agreement(s) between Seller and/or its Subsidiaries, on
the one hand, and the Bank of America Related Entities, on the other hand, irrespective of whether or not the Bank of America Related Entity shall have made any demand hereunder and whether or not said obligations shall have matured. In exercising
the foregoing right to set-off, any Bank of America Related Entity shall be entitled to withdraw such deposits of money in the Over/Under Account which are being held for or owing to Seller to set-off against any amounts due and owing by Seller to the Bank of America Related Entity. If a Bank of 

  
 6 

 
America Related Entity other than Buyer intends to exercise its right to set-off in this subsection (b), such Bank of America Related Entity shall provide
Seller prior notice thereof, and upon Seller’s receipt of such notice, if the basis for such right to set-off is Seller’s breach or default of its obligations to the Bank of America Related Entity,
Seller shall have three (3) Business Days to cure any such breach or default in order to avoid such set-off. 

SECTION 13. Notice Information. Section 14.11 of the Existing Master Repurchase Agreement is hereby amended by: 

13.1 deleting the address for notices to Buyer in clause (a) in its entirety and replacing it with the following: 

 

			
	If to Buyer:      	  	Bank of America, N.A.
		  	4500 Park Granada
		  	Mail Code: CA7-910-02-38
		  	Calabasas, California 91302
		  	Attention: Adam Gadsby, Managing Director
		  	Telephone: (818) 225-6541
		  	Facsimile: (213) 457-8707
		  	Email: Adam.Gadsby@baml.com
		
		  	With copies to:
		
		  	Bank of America, N.A.
		  	One Bryant Park, 11th Floor
		  	Mail Code: NY1-100-11-01
		  	New York, New York 10036
		  	Attention: Eileen Albus, Director, Mortgage Finance
		  	Telephone: (646) 855-0946
		  	Facsimile: (646) 855-5050
		  	Email: Eileen.Albus@baml.com
		
		  	and
		
		  	Bank of America, N.A.
		  	50 Rockefeller Plaza
		  	Mail Code: NY1-050-12-01
		  	New York, New York 10020
		  	Attention: Amie Davis, Assistant General Counsel
		  	Telephone: (646) 855-0183
		  	Facsimile: (704) 409-0337
		  	Email: Amie.Davis@bankofamerica.com

  
 7 

 13.2 deleting the address for emails to Buyer in clause (b) in its entirety and
replacing it with the following: 
  

			
	If to Buyer:      	  	Adam.Gadsby@baml.com,
		  	Adam.Robitshek@baml.com,
		  	Eileen.Albus@baml.com and
		  	Amie.Davis@bankofamerica.com.

 SECTION 14. Definitions. Exhibit A to the Existing Master Repurchase Agreement is hereby
amended by: 
 14.1 deleting the definitions of “Agency Audit”, “Agency Guides”,
“Approvals”, “Government Mortgage Loan”, “Master Netting Agreement”, “Material Adverse Effect”, “Purchase Price” and “Trade Assignment” in their
entirety and replacing them with the following: 
 Agency Audit: Any Agency, HUD, FHA, VA and RD audits,
examinations, evaluations, monitoring reviews and reports of its origination and servicing operations (including those prepared on a contract basis for any such Agency, HUD, FHA, VA or RD). 

Agency Guides: The Ginnie Mae Guide, the Fannie Mae Guide, the Freddie Mac Guide, the FHA Regulations, the
VA Regulations or the RD Regulations, as the context may require, in each case as such guidelines have been or may be amended, supplemented or otherwise modified from time to time (i) by Ginnie Mae, Fannie Mae, Freddie Mac, the FHA, the VA or
the RD, as applicable, in the ordinary course of business and, with respect to material amendments, supplements or other modifications, as to which Buyer shall not have reasonably objected within ten (10) days of receiving notice of such or
(ii) by Ginnie Mae, Fannie Mae, Freddie Mac, the FHA, the VA or the RD, as applicable, at the request of Seller and as to which (x) Seller has given notice to Buyer of any such material amendment, supplement or other modification and
(y) Buyer shall not have reasonably objected. 
 Approvals: With respect to Seller or Servicer, the
approvals obtained by the applicable Agency, HUD, the VA or the RD in designation of Seller as a Ginnie Mae-approved issuer, a Ginnie Mae-approved servicer, a FHA-approved mortgagee, a VA-approved lender, a RD-approved lender, a Fannie Mae-approved
lender or a Freddie Mac-approved Seller/Servicer, as applicable, in good standing. 

Government Mortgage Loan: Unless defined otherwise in the Transactions Terms Letter, a first lien mortgage
loan that is (x) (a) eligible for FHA Mortgage Insurance and is so insured or is subject to a current binding and enforceable commitment for such insurance pursuant to the provisions of the National Housing Act, as amended, and is originated in
Strict Compliance with the Ginnie Mae Guide and is eligible for inclusion in a Ginnie Mae mortgage-backed security pool; (b) eligible to be guaranteed by the VA and is so guaranteed or is subject to a current binding and enforceable commitment
for such guarantee pursuant to the provisions of the Servicemen’s Readjustment Act, as amended; or (c) eligible to be guaranteed by the RD and is so guaranteed pursuant to the provisions of the RD Regulations; and, (y) is otherwise
eligible for inclusion in a Ginnie Mae mortgage-backed security pool. 

  
 8 

 Master Netting Agreement: The Master Margining, Setoff and
Netting Agreement, dated as of August 15, 2014, between Buyer and Seller, as the same shall be amended, restated, supplemented or otherwise modified from time to time. 

Material Adverse Effect: Any of the following: (i) a material adverse change in, or a material
adverse effect upon, the operations, business, properties or condition (financial or otherwise) of Seller, Servicer or any Affiliate that is a party to any Principal Agreement taken as a whole; (ii) a material impairment of the ability of
Seller, Servicer or any Affiliate that is a party to any Principal Agreement to perform under any Principal Agreement and to avoid any Event of Default; (iii) a material adverse effect upon the legality, validity, binding effect or
enforceability of any Principal Agreement against Seller, Servicer or any Affiliate that is a party to any Principal Agreement; (iv) a material adverse effect on the rights and remedies of Buyer under any of the Principal Agreements; (v) a
material adverse effect on the marketability, collectability, value or enforceability of a material portion of the Purchased Assets or (vi) a material adverse effect on the Approvals of Seller, in each case as determined by Buyer in its sole
good faith discretion. 
 Purchase Price: The price at which each Asset is transferred by Seller to Buyer
which, except as otherwise may be set forth in the Transactions Terms Letter, shall be equal to the product of the applicable Type Purchase Price Percentage and the least of (i) the unpaid principal balance of such Asset, (ii) the
Market Value of such Asset, (iii) the purchase price committed by the related Approved Investor, if applicable, as evidenced by the related Purchase Commitment, or (iv) the purchase price paid by Seller for such Asset. For the sake of
clarity, the Purchase Price for each Mortgage-Backed Security subject to a Transaction pursuant to Section 3.8 shall be the same Purchase Price that was paid for the Purchased Mortgage Loans backing such Mortgage-Backed
Security. For Pooled Mortgage Loans, the Purchase Price shall be the Type Purchase Price Percentage multiplied by the Takeout Price. 

Trade Assignment: An assignment to Buyer or its designee of a forward trade between an Approved Investor
and Seller with respect to one or more Purchased Assets or related Mortgage-Backed Security, in each case in substantially the form of Exhibit N hereto or in a form acceptable to Buyer and its designee, as applicable, together with the
related Purchase Commitment that has been fully executed, is enforceable and is in full force and effect and confirms the details of such forward trade. 

14.2 deleting clause (d) of the definition of “Insolvency Event” in its entirety and replacing it with the following:

 (d) involuntary proceedings or an involuntary petition shall be commenced or filed against such Person under any
bankruptcy, insolvency or similar law or seeking the dissolution, liquidation or reorganization of such Person or the appointment of a receiver, trustee, custodian, conservator or liquidator for such Person or of a substantial part of the property,
assets or business of such Person, or any writ, order, judgment, warrant of attachment, execution or similar process shall be issued or levied against a substantial part of the property, assets or business of such Person, and such proceeding or
petition shall not be dismissed, or such execution or similar process shall not be released, vacated or fully bonded, within sixty (60) days after commencement, filing or levy, as the case may be. 

  
 9 

 14.3 deleting clause (i) of the definition of “Purchased Items” in its
entirety and replacing it with the following: 
 (i) all mortgage and other insurance and all commitments issued by Insurers,
the FHA, VA or RD, as applicable, to insure or guaranty any Purchased Asset, including, without limitation, all FHA Mortgage Insurance Contracts, VA Loan Guaranty Agreements and RD Loan Guaranty Agreements relating to such Purchased Assets and the
right to receive all insurance proceeds and condemnation awards that may be payable in respect of the premises encumbered by any Mortgage; and all other documents or instruments delivered to Buyer in respect of the Purchased Assets; 

14.4 deleting clause (b) of the definition of “Servicer Termination Event” in its entirety and replacing it with the
following: 
 (b) Servicer becomes subject to any material penalties and/or sanctions by any Agency, HUD, FHA, VA or RD; or

 14.5 deleting the definition of “USDA Loan Guaranty Agreement” in its entirety and all references thereto. 

14.6 adding the following definitions in their proper alphabetical order: 

RD: The United States Department of Agriculture Rural Development and any successor thereto. 

RD Loan Guaranty Agreement: The obligation of the United States to pay a specific percentage of a Mortgage
Loan (subject to a maximum amount) upon default of the Mortgagor. 
 RD Regulations: The regulations
promulgated by the RD under the Consolidated Farm and Rural Development Act of 1977; and other RD issuances relating to rural housing loans codified in the Code of Federal Regulations. 

SECTION 15. Delivery of Trade Assignments. All references in the Existing Master Repurchase Agreement to deliver a Trade Assignment to
Buyer shall be deemed to include Buyer’s designee, as applicable. Notwithstanding anything to the contrary contained in the Master Repurchase Agreement, Seller shall not be required to deliver a Trade Assignment to the Buyer so long as the
applicable Pooled Mortgage Loan is subject to that certain Amended and Restated Joint Securities Account Control Agreement dated as of January 30, 2014 by and among Deutsche Bank National Trust Company, as securities intermediary, Seller,
Buyer, UBS Real Estate Securities Inc., Credit Suisse First Boston Mortgage Capital LLC, Citibank, N.A., Morgan Stanley Bank, N.A. and Morgan Stanley Mortgage Capital Holdings LLC. 

  
 10 

 SECTION 16. Officer’s Certificate. Exhibit E to the Existing Master Repurchase
Agreement is hereby amended and restated in its entirety as set forth on Annex I attached hereto. 
 SECTION 17. Representations and
Warranties. Exhibit L to the Existing Master Repurchase Agreement is hereby amended by deleting paragraphs (f), (i), (n), (dd), (hh) and 
 (bbb)
in their entirety and replacing them with the following: 
 (f) Validity of Mortgage Documents. The Mortgage Loan is
evidenced by instruments acceptable to FHA, VA, RD, Fannie Mae, Freddie Mac or the Approved Investor, as applicable, given the type of Mortgage Loan. The Mortgage Loan Documents, Other Mortgage Loan Documents and any other agreement executed and
delivered by a Mortgagor or guarantor, if applicable, in connection with a Mortgage Loan, and all signatures thereon, are genuine, and each such document is the legal, valid and binding obligation of the maker thereof enforceable in accordance with
its terms, except as may be limited by bankruptcy or other laws affecting the enforcement of creditor’s rights generally, and there are no rights of rescission, set-offs, counterclaims or other defenses
with respect thereto. All parties to the Mortgage Loan Documents, Other Mortgage Loan Documents and any other agreement executed and delivered by a Mortgagor or guarantor, if applicable, had legal capacity to enter into the Mortgage Loan and to
execute and deliver any such instrument or agreement and such instrument or agreement has been duly and properly executed by such related parties. Seller has reviewed all of the documents constituting the Mortgage Loan File and has made such
inquiries as it deems necessary to make and confirm the accuracy of the representations set forth herein. To the best of Seller’s knowledge, except as disclosed to Buyer in writing, all tax identifications and property descriptions are legally
sufficient; and tax segregation, where required, has been completed. 
 (i) Original Terms Unmodified. The terms of
the Mortgage Note and Mortgage have not been impaired, waived, altered or modified in any respect from the date of origination, except by a written instrument which has been recorded, if necessary to protect the interests of Buyer, and which has
been delivered to Custodian; provided, that none of the payment terms, interest rate, maturity date or other material terms have been impaired, waived, altered or modified in any respect. The substance of any such waiver, alteration or modification
has been approved by the title insurer, to the extent required. No Mortgagor in respect of the Mortgage Loan has been released, in whole or in part, except in connection with an assumption agreement approved by the title insurer, to the extent
required by such policy, and which assumption agreement is part of the Mortgage Loan File delivered to Custodian. 
 (n)
Customary Provisions. The Mortgage Note has a stated maturity. The Mortgage contains customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged
Property of the benefits of the security provided thereby. There is no homestead or other exemption or other right available to the Mortgagor or any other person, or restriction on Seller or any other person, including without limitation, any
federal, state or local, law, ordinance, decree, regulation, guidance, attorney general action, or other pronouncement, whether temporary or permanent in nature, that would interfere with, restrict or delay,

  
 11 

 
either (y) the ability of Seller, Buyer or any servicer, subservicer or any successor servicer or successor subservicer to sell the related Mortgaged Property at a trustee’s sale or
otherwise, or (z) the ability of Seller, Buyer or any servicer or any successor servicer to foreclose on the related Mortgage. The Mortgage Note and Mortgage are on forms acceptable to FHA, VA, RD, Freddie Mac or Fannie Mae. 

(dd) Consolidation of Future Advances. Any future advances made to the Mortgagor prior to the Purchase Date have been
consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal
amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee’s consolidated interest or by other title evidence acceptable to FHA, VA, RD, Fannie Mae and Freddie Mac.
The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan. 
 (hh) Disclosure
Materials. The Mortgagor has executed a statement to the effect that the Mortgagor has received all disclosure materials required by applicable law with respect to the making of adjustable rate mortgage loans, and Seller maintains such statement
in the Mortgage Loan File. 
 (bbb) Government Mortgage Loans. With respect to each Government Mortgage Loan,
(i) the FHA Mortgage Insurance Contract is in full force and effect, there exists no impairment to full recovery, and HUD is not entitled to be indemnified by the related mortgagee under FHA Mortgage Insurance and the VA Loan Guaranty Agreement
or RD Loan Guaranty Agreement, as applicable, is in full force and effect to the maximum extent stated therein and there exists no impairment to full recovery pursuant to the terms of the applicable guaranty agreement, (ii) all necessary steps
have been taken to keep such guaranty or insurance valid, binding and enforceable and each of such is the binding, valid and enforceable obligation of the FHA, the VA and the RD, respectively, to the full extent thereof, without surcharge, set-off or defense, (iii) such Government Mortgage Loan is insured, or eligible to be insured, pursuant to the National Housing Act or is guaranteed, or eligible to be guaranteed, under the provisions of
Chapter 37 of Title 38 of the United States Code, as applicable, (iv) with respect to each FHA insurance certificate, VA guaranty certificate or RD loan request for guaranty, Seller has complied with applicable provisions of the insurance for
guaranty contract and federal statutes and regulations, all premiums or other charges due in connection with such insurance or guarantee have been paid, there has been no act or omission which would or may invalidate any such insurance or guaranty,
and the insurance or guaranty is, or when issued, will be, in full force and effect with respect to such Loan, (v) Seller has no knowledge of any defenses, counterclaims, or rights of setoff affecting such Government Mortgage Loan or affecting
the validity or enforceability of any private mortgage insurance or FHA Mortgage Insurance, VA loan guaranty or RD loan guaranty with respect to such Government Mortgage Loan, and (vi) Seller has no knowledge of any circumstance which would
cause such Government Mortgage Loan to be ineligible for FHA Mortgage Insurance, a VA loan guaranty or RD loan guaranty, as applicable, or cause FHA, VA or RD, as applicable, to deny or reject the related Mortgagor’s application for FHA
Mortgage Insurance, a VA loan guaranty or RD loan guaranty, respectively. Each Government Mortgage Loan was originated in accordance with the criteria of an Agency for purchase of such Government Mortgage Loans. 

  
 12 

 SECTION 18. Fees and Expenses. Seller hereby agrees to pay to Buyer, on demand, any
and all reasonable out-of-pocket fees, costs and expenses (including reasonable fees and expenses of counsel) incurred by Buyer in connection with the development,
preparation and execution of this Amendment, irrespective of whether any transactions hereunder are executed. 
 SECTION 19. Conditions
Precedent. This Amendment shall become effective as of the date hereof upon Buyer’s receipt of this Amendment, executed and delivered by a duly authorized officer of Buyer and Seller. 

SECTION 20. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Master Repurchase Agreement shall
continue to be, and shall remain, in full force and effect in accordance with its terms. 
 SECTION 21. Counterparts. This Amendment
may be executed by each of the parties hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. 

SECTION 22. 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 23.
GOVERNING LAW. THE AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES HEREUNDER SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF CONFLICTS OF LAWS (OTHER THAN
SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW). 
 [SIGNATURE PAGE FOLLOWS] 

  
 13 

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

			
	 BANK OF AMERICA, N.A.,

Buyer

	By:	 	 /s/ Adam Robitshek

	        Name:	 	Adam Robitshek
	        Title:	 	Vice President
	 CALIBER HOME LOANS, INC.,

Seller

	By:	 	 /s/ Stephen Smith

	        Name:	 	Stephen Smith
	        Title:	 	CFO

 Signature Page to Amendment No. 3 to Master Repurchase Agreement 

 ANNEX I 

EXHIBIT E 
 FORM OF
OFFICER’S CERTIFICATE 
 Period Ending: [INPUT PERIOD ENDING DATE] 

Client Name: Caliber Home Loans, Inc. 
 I, [CFO],
hereby certify that I am a duly elected Chief Financial Officer of Client and do further certify that the following are accurate, true and correct and may be relied upon by Bank of America, N.A. (“Bank of America”): 

 

	1.	 Representations and Warranties: The representations and warranties made by Client under the
Principal Agreements (as defined in the Master Repurchase Agreement by and between Bank of America and Client) are accurate and true on and as of the date hereof with the same effect as though such representations and warranties had been made on
and as of the date hereof, including, without limitation, the following: 

  

	 	(a)	 Financial Condition. All financial statements of Client delivered to Bank of America fairly and
accurately present the financial condition of the parties for whom such statements are submitted. The financial statements of Client have been prepared in accordance with GAAP consistently applied throughout the periods involved, and there are no
contingent liabilities not disclosed thereby that would adversely affect the financial condition of Client. Since the close of the period covered by the latest financial statement delivered to Bank of America with respect to Client and as the date
hereof, there has been no material adverse change in the assets, liabilities or financial condition of Client nor is Client aware of any facts that, with or without notice or lapse of time or both, would or could result in any such material adverse
change. No event has occurred, including, without limitation, any litigation or administrative proceedings, and no condition exists or, to the knowledge of Client, is threatened, that (i) might render Client unable to perform its obligations
under the Principal Agreements and all other documents contemplated thereby; (ii) would constitute a Potential Default or Event of Default; or (iii) might have a Material Adverse Effect with respect to Client. 

 

	 	(b)	 Seller Solvent; Fraudulent Conveyance. Seller does not intend to incur, or believe that it has incurred,
debts beyond its ability to pay such debts as they mature. Seller is not contemplating the commencement of insolvency, bankruptcy, liquidation or consolidation proceedings or the appointment of a receiver, liquidator, conservator, trustee or similar
official in respect of Seller or any of its assets. Seller is not transferring any Assets with any intent to hinder, delay or defraud any of its creditors. 

  

	2.	 Compliance with Financial Covenants: Client is in full compliance with all of the financial
covenants set forth in the Principal Agreements, and no Event of Default or Potential Default has occurred and is continuing. 

  

	3.	 No Change in Executive Management: No change in the Executive Management has occurred.

  

	4.	 Consolidation, Merger, Sale of Assets and Change of Control: Seller has not, directly or
indirectly, (a) wound up, liquidated or dissolved its affairs; (b) entered into any transaction of merger or consolidation with any Person; (c) conveyed, sold, leased or otherwise disposed of, or agreed to do any of the foregoing
at any future time, all or substantially all of its property or 

	 	
assets; (d) formed or entered into any partnership, joint venture, syndicate or other combination which could have a Material Adverse Effect; or (e) allowed a Change of Control to occur
with respect to Seller, without prior written consent of Buyer; unless otherwise permitted pursuant to the terms of the Principal Agreements. 

  

	5.	 [Reserved] 

  

	6.	 Loans to Officers, Employees and Shareholders: Seller has not, either directly or indirectly,
without the prior written consent of Buyer, made any personal loans or advances to any officers, employees, shareholders, members, partners or owners of Seller in an aggregate amount exceeding [***] of Seller’s Tangible Net Worth; provided,
however, that Seller shall be entitled to make a personal loan or advance to a majority shareholder, member, partner or owner of Seller without the prior written consent of Buyer provided that (i) a Potential Default or an Event of Default is
not existing and will not occur as a result thereof and (ii) such loan or advance is clearly reflected on Seller’s financial reports provided to Buyer. 

 

	7.	 [Reserved] 

  

	8.	 [Reserved] 

  

	9.	 Attachments: The following attachments and information contained therein are accurate and true in
all respects and do not fail to include any information which is necessary to not make such attachments and the information contained therein misleading. 

  

	10.	 Most Favored Nations: Client has provided all notices required under Section 9.16 of the Master
Repurchase Agreement with respect to any new or amended, repurchase agreement, warehouse facility, or similar credit facility with any Person that provides more favorable terms with respect to any financial or other material covenants covering
the same or similar matters set forth in Section 9.17 of the Master Repurchase Agreement. 

  

			
	 REPORT/DOCUMENT
	  	 REQUIRED (if checked)

	Monthly Financial Statements signed by an authorized officer for period ending [INPUT PERIOD ENDING DATE]	  	☒
		
	List of Warehouse Banks with line size and Totals Outstanding. (Schedule A)	  	☒
		
	Production Volume (Schedule A)	  	☒
		
	Non-warehouse Indebtedness (Schedule B)	  	☒

  

	11.	 Financial Ratios: The following financial ratios are accurate and true and are calculated in
accordance with the Master Repurchase Agreement and Transactions Terms Letter by and between Bank of America and Client as of the date hereof (please calculate and provide the information required for this table): 

 

					
	 	  	 Actual
	  	 Covenant

	Tangible Net Worth: As of any date of determination, the Net Worth of Seller and its consolidated Subsidiaries, on a combined basis, determined in accordance with GAAP, minus (i) all intangibles determined in
accordance with GAAP (including, without limitation, goodwill, capitalized financing costs and capitalized administration costs but excluding originated and purchased mortgage servicing rights); (ii) any and all advances to, investments in and
receivables held from Affiliates and (iii) Restricted Cash.	  	[INPUT TANGIBLE NET WORTH]	  	$[***]

					
			
	Liquidity: As of any date of determination, the sum of (a) Seller’s unrestricted and unencumbered cash and Cash Equivalents and (b) with respect to Seller, the balance in the Over/Under Account exclusive of
funds held due to a Margin Deficit or Margin Call.	  	[INPUT AMOUNT]	  	Greater than $[***]
			
	Leverage Ratio: Maximum ratio of Total Liabilities to Tangible Net Worth.	  	[INPUT RATIO]	  	[***]
			
	Profitability: For any period, the Seller’s pre-tax net income for such period as determined in accordance with GAAP excluding the fair value adjustment to mortgage
servicing rights.	  	[YES or NO]	  	YES
			
	Payment of Dividends: If a Potential Default or an Event of Default has occurred and is continuing or will occur as a result of such payments, Seller shall not pay any dividends or distributions with respect to any
capital stock or other equity interests in Seller, whether now or hereafter outstanding, or make any other distribution in respect thereof, either directly or indirectly, whether in cash or property or in obligations of Seller.	  	[YES or NO]	  	YES

 Covenant Calculation Worksheet: 

 

							
	 TNW Calc
	  	[INPUT DATE]	 	 	Notes
	 GAAP Equity
	  	 	[INPUT AMOUNT]	 	 	A
	 Less: Intangibles Determined in Accordance with GAAP
	  	 	[INPUT AMOUNT]	 	 	
	 Less: advances to, investments in and receivables from Affiliates
	  	 	[INPUT AMOUNT]	 	 	
	 Less: Restricted Cash (excl Bank of America O/U)
	  	 	[INPUT AMOUNT]	 	 	
	 Covenant TNW
	  	 	[INPUT AMOUNT	] 	 	A
	 Covenant Liquidity – Amount
	  	 	[INPUT AMOUNT]	 	 	B
	 Total Liabilities on Balance Sheet
	  	 	[INPUT AMOUNT	] 	 	
	 Plus: Off Balance Sheet Liabilities
	  	 	[INPUT AMOUNT]	 	 	
	 Adjusted Total Liabilities for Leverage Calc
	  	 	[INPUT AMOUNT	] 	 	C
	 Leverage Ratio
	  	 	[INPUT RATIO	] 	 	=C/A

  

	12.	 Capitalized Terms: All capitalized terms used herein and not otherwise defined shall have the
meanings assigned to them in that certain Master Repurchase Agreement by and between Bank of America and Client. 

  

	13.	 Repurchase/Indemnification Issues Exposure with All Approved Investors or Insurers Including Bank of
America: 

  

	*	 information can be provided in the following table or in form and substance mutually agreeable to the
parties and should only be provided to the extent (i) the unpaid principal balance of the mortgage loan(s) subject to such demand(s) is equal to or greater than $[***] or (ii) the demanded indemnification amount(s) is equal to or greater
than $[***]. 

  

							
	 Repurchases
	  	 UPB
	  	 # of Loans
	  	 Billable / Actual or

Estimated Losses

	Open repurchase requests (Note 1)	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]
				
	Open repurchases that are being contested	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]
				
	Repurchases settled in 2011	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]
				
	Repurchases settled in 2012	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]
				
	Repurchases settled YTD in 2013	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]

											
	 Repurchase Settlement Method - Loan Settlements YTD

	 All Other Investors
	  	 Total # of Loans
	  	 Indemnifications ($)
	  	 Cash ($)
	  	 Payment
Installment Plan
($)
	  	 Volume Commitment
(%) or ($)

		  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]	  	[INPUT ACTUAL]

 Describe Settlement Terms, Duration and etc.: 

 

															
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  		  		  		  		  		  	

 Describe notice of any voluntary termination of Seller’s licensing or eligibility with a Governmental Authority
or Agency, in any respect, as an approved or licensed lender, seller, mortgagee or servicer: 
  

															
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  		  		  		  		  		  	

 Describe any judgments or decrees for the payment of money that have been entered against Seller or any of its
Subsidiaries involving a liability of $[***] or more and all such judgments or decrees shall not have been satisfied, vacated, discharged, stayed or bonded pending appeal within [***] after entry thereof: 

 

															
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 
	 	  	 	  		  		  		  		  		  	

 Note 1: If you have a detailed schedule of loans subject to repurchases that includes the investor
requesting, reason for repurchases, origination date, loan characteristics such as LTV, lien position, occupancy etc., and valuation method if you have estimated your loss exposure, please attach it with this table. 

 

			
	Loan Loss Reserve balance as of date of Financial Statements	  	[INPUT ACTUAL]
	Balance Sheet account in which Loan Loss Reserve is recorded	  	[INPUT NAME]
	Quarterly Warehouse Aging Report of all WH providers.	  	Y/N

  

	14.	 Servicing Portfolio: 

 

	*	 information can be provided in the following table or in form and substance mutually agreeable to the
parties 

  

					
	 	  	[INPUT DATE]	  	Notes
	 Servicing Portfolio UPB
	  	[INPUT AMOUNT]	  	
	 Sub-Servicer (If Applicable)
	  	[ENTITY NAME]	  	
	 Value of Servicing Rights
	  	[INPUT AMOUNT]	  	
	 Most Recent Valuation Date
	  	[INPUT DATE]	  	
	 Third Party Conducting Valuation
	  	[ENTITY NAME]	  	
	 Midpoint of MSR Valuation
	  	[INPUT AMOUNT]	  	
	 Weighted Average Servicing Fee (WASF)
	  	[INPUT AMOUNT]	  	
	 Weighted Average Coupon Rate
	  	[INPUT AMOUNT]	  	

 IN WITNESS WHEREOF, the undersigned has hereunto signed his/her name on ________________, 

201__. 
  

			
	By:	 	  

	Name:	 	[CFO]
	Title:	 	Chief Financial Officer

  

	*	 TO THE EXTENT CLIENT IS UNABLE TO MAKE THE CERTIFICATIONS REQUIRED HEREIN, PLEASE ATTACH A SEPARATE SHEET
DETAILING THE REASONS 

 Schedule A 

List of Warehouse Banks with line size and Totals outstanding as of period end (including off balance sheet debt and repurchase
financing): 
  

	*	 information can be provided in the following table or in form and substance mutually agreeable to the
parties 

  

									
	 LENDER NAME
	  	 MATURITY
	  	 LINE SIZE
	  	 AMOUNT
OUTSTANDING
	  	 RESTRICTED CASH

	1) [INPUT NAME]	  	[INPUT DATE]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]
	2) [INPUT NAME]	  	[INPUT DATE]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]
	3) [INPUT NAME]	  	[INPUT DATE]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]
	4) [INPUT NAME]	  	[INPUT DATE]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]
	5) [INPUT NAME]	  	[INPUT DATE]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]

 Production Volume (in thousands) 

 

	*	 information can be provided in the following table or in form and substance mutually agreeable to the
parties 

  

									
	 	  	 Most Recent Month Ended [INPUT PERIOD]
	  	 Fiscal Year to Date Through End of most Recent
Month
Ended [INPUT PERIOD]

	 	  	 $
	  	 # units
	  	 $
	  	 # units

	 Conv Conf
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Govt.
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Jumbo
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Alt A/ Exp
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Subprime
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Seconds
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Other
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 Total
	  	[INPUT AMOUNT]	  	[INPUT UNITS]	  	[INPUT AMOUNT]	  	[INPUT UNITS]
	 % Retail ($)
	  	[INPUT PERCENTAGE]	  		  	[INPUT PERCENTAGE]	  	
	 % TPO ($)
	  	[INPUT PERCENTAGE]	  		  	[INPUT PERCENTAGE]	  	
	 % Correspondent ($)
	  	[INPUT PERCENTAGE]	  		  	[INPUT PERCENTAGE]	  	
	 % Refi ($)
	  	[INPUT PERCENTAGE]	  		  	[INPUT PERCENTAGE]	  	

 Schedule B 

 

	*	 information can be provided in the following table or in form and substance mutually agreeable to the
parties 

 Non-warehouse Indebtedness As of : [INPUT Date] 

 

									
	 LENDER NAME
	  	 Facility Type and

Size*
	  	 Amount Committed**
	  	 Outstanding
Indebtedness
	  	 Expiration Date

	 1)[INPUT NAME]
	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT Date]
	 2)[INPUT NAME]
	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT Date]
	 Total
	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	[INPUT AMOUNT]	  	

  

	*	 Please note if facility is a revolver, term loan, note, or other type of financing along with the facility
size. 

	**	 For credit facilities secured by MSR assets, please provide advance rate, i.e. 50% of MSR value up to
facility size.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00315-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00315-of-00352.parquet"}]]