Document:

EX-10.43

 Exhibit 10.43 

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. 

                        
            October 27, 2015 
 Guild Mortgage Company, LLC 

Guild Mortgage Company 
 5898
Copley Drive, 5th Floor 
 San Diego, CA 92111 

Attention: Terry Schmidt 

        Chief Financial Officer 

Re: Purchase Sublimits for USBHM Mortgage Loans 

Dear Terry: 

Reference is made to the Master Repurchase Agreement, dated as of March 24, 2015, as amended pursuant to an Amendment
dated June 24, 2015 (as so amended, the “MRA ”), between Guild Mortgage Company, LLC, Guild Mortgage Company (the “Sellers”) and U.S. BANK NATIONAL ASSOCIATION (the “Buyer”). Terms not otherwise expressly defined
herein shall have the meanings set forth in the MRA. 
 Please sign and return a copy of this letter to evidence the
agreement of the Sellers to the following: 
 1.    An Eligible Mortgage Loan that is a USBHM Mortgage
Loan and would also be a different Type of Eligible Mortgage Loan (such as an Agency Conforming Mortgage Loan, Jumbo Mortgage Loan, Superjumbo Mortgage Loan, High LTV Mortgage Loan or Housing Finance Agency Mortgage Loan) shall be deemed to be a
USBHM Mortgage Loan, and requirements in the MRA, and specifically Exhibit A to the MRA, that apply to such other Types of Eligible Mortgage Loans (Aggregate Purchase Sublimits, Valuation Percentages, and other requirements of the definitions
thereof such as FICO score and loan to value requirements) shall not apply to such USBHM Mortgage Loans; provided, that the aggregate limit on Wet Loans shall continue to apply to USBHM Mortgage Loans and all other Purchased Mortgage Loans. This
will permit the [***] Aggregate Purchase Sublimit to apply to all USBHM Mortgage Loans. 
 2.    The
Aggregate Purchase Sublimit for Housing Finance Agency Mortgage Loans in Section A-3 of Exhibit A is reduced from [***] to [***]. 

3.    The warehouse ageing provision in Section A-4 of Exhibit A
to the MRA is amended so that the number of days after Purchase Date for USBHM Mortgage Loans is 90 days (rather than 60 days). 
  

			
	Very truly yours,
	
	U.S. Bank National Association
		
	By:	 	    /s/ Timothy C. Hayes
		 	    Timothy C. Hayes
		 	    Vice President

 Guild Mortgage Company, LLC 

Guild Mortgage Company 
 October 27, 2015 

Page 2 
 Agreed and acknowledged 

 

			
	Guild Mortgage Company, LLC
	Guild Mortgage Company
		
	By:	 	    /s/ Terry Schmidt
		 	    Terry Schmidt
		 	    Chief Financial OfficerEX-10.44

 Exhibit 10.44 

THIRD AMENDMENT TO MASTER REPURCHASE AGREEMENT 

THIS THIRD AMENDMENT, dated as of April 20, 2016, amends and modifies a certain Master Repurchase Agreement, dated as
of March 24, 2015, as amended by Amendments dated as of June 24, 2015 and March 15, 2016 (as so amended, the “Repurchase Agreement”), between GUILD MORTGAGE COMPANY and GUILD MORTGAGE COMPANY, LLC (the “Sellers”)
and U.S. BANK NATIONAL ASSOCIATION (the “Buyer”). Terms not otherwise expressly defined herein shall have the meanings set forth in the Repurchase Agreement. 

FOR VALUE RECEIVED, the Sellers and the Buyer agree that the Repurchase Agreement is amended as follows. 

ARTICLE I - AMENDMENTS TO THE REPURCHASE AGREEMENT 

1.1 Exhibits. Exhibit A (“Calculation of Purchase Value, Aggregate Purchase Sublimits, Eligible and Ineligible
Mortgage Loans”) and B (“Approved Investors”) are replaced by Exhibits A [Omitted pursuant to Item 601(a)(5) of Regulation S-K] and B [Omitted pursuant to Item 601(a)(5) of Regulation S-K] attached to this Amendment. 

1.2 Construction. All references in the Repurchase Agreement to “this Agreement”, “herein” and
similar references shall be deemed to refer to the Repurchase Agreement as amended by this Amendment. 
 ARTICLE II - REPRESENTATIONS AND WARRANTIES 
 To induce the Buyer to enter into this Amendment and
to continuing to Purchase Mortgage Loans under the Repurchase Agreement as amended hereby, the Sellers hereby warrant and represent to the Buyer that they are duly authorized to execute and deliver this Amendment, and to perform their obligations
under the Repurchase Agreement as amended hereby, and that this Amendment constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms. 

ARTICLE III - CONDITIONS PRECEDENT 

This Amendment shall become effective on the date first set forth above, provided, however, that the effectiveness of this
Amendment is subject to the satisfaction of each of the following conditions precedent: 
 3.1 Warranties. Before
and after giving effect to this Amendment, the representations and warranties in Article VII of the Repurchase Agreement shall be true and correct as though made on the date hereof, except for changes that are permitted by the terms of the
Repurchase Agreement. The execution by the Sellers of this Amendment shall be deemed a representation that the Sellers have complied with the foregoing condition. 

3.2 Defaults. Before and after giving effect to this Amendment, no Default and no Event of Default shall have
occurred and be continuing under the Repurchase Agreement. The execution by the Sellers of this Amendment shall be deemed a representation that the Sellers have complied with the foregoing condition. 

3.3 Documents. The Buyer and the Sellers shall have executed and delivered this Amendment. 

  
 1 

 ARTICLE IV - GENERAL 

4.1 Expenses. The Sellers agree to reimburse the Buyer upon demand for all reasonable expenses (including reasonable
attorneys’ fees and legal expenses) incurred by this Buyer in the preparation, negotiation and execution of this Amendment and any other document required to be furnished herewith, and in enforcing the obligations of the Sellers hereunder, and
to pay and save the Buyer harmless from all liability for, any stamp or other taxes which may be payable with respect to the execution or delivery of this Amendment, which obligations of the Sellers shall survive any termination of the Repurchase
Agreement. 
 4.2 Counterparts. This Amendment may be executed in as many counterparts as may be deemed necessary
or convenient, and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed an original but all such counterparts shall constitute but one and the same instrument. 

4.3 Severability. Any provision of this Amendment which is prohibited or unenforceable in any jurisdiction shall, as
to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provisions in any other jurisdiction. 

4.4 Law; Consent to Jurisdiction; Waiver of Jury Trial. This Amendment shall be a contract made under the laws of the
State of Minnesota, which laws shall govern all the rights and duties hereunder. This Amendment shall be subject to the Consent to Jurisdiction and Waiver of Jury Trial provisions of the Repurchase Agreement. 

4.5 Successors; Enforceability. This Amendment shall be binding upon the Sellers and the Buyer and their respective
successors and assigns, and shall inure to the benefit of the Sellers and the Buyer and the successors and assigns of the Buyer. Except as hereby amended, the Repurchase Agreement shall remain in full force and effect and is hereby ratified and
confirmed in all respects. 
 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed at
Minneapolis, Minnesota by their respective officers thereunto duly authorized as of the date first written above. 
 (signature page
follows) 

  
 2 

 
			
	U.S. BANK NATIONAL ASSOCIATION

 
			
		
	 By:
	 	 /s/ Timothy C.
Hayes

 
			
	 Title:
	 	 Vice President

  

			
	GUILD MORTGAGE COMPANY, LLC

 
			
		
	 By:
	 	 /s/
Terry L. Schmidt

 
			
	 Title:
	 	 E.V.P & C.F.O

  

			
	GUILD MORTGAGE COMPANY

 
			
		
	 By:
	 	 /s/
Terry L. Schmidt

 
			
	 Title:
	 	 E.V.P & C.F.O

 (signature page to Third Amendment)EX-10.45

 Exhibit 10.45 

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. 
 FOURTH AMENDMENT TO MASTER REPURCHASE
AGREEMENT 
 THIS FOURTH AMENDMENT, dated as of June 20, 2016, amends and modifies a certain Master Repurchase
Agreement, dated as of March 24, 2015, as amended by Amendments dated as of June 24, 2015, March 15, 2016 and April 20, 2016 (as so amended, the “Repurchase Agreement”), between GUILD MORTGAGE COMPANY and GUILD MORTGAGE
COMPANY, LLC (the “Sellers”) and U.S. BANK NATIONAL ASSOCIATION (the “Buyer”). Terms not otherwise expressly defined herein shall have the meanings set forth in the Repurchase Agreement. 

FOR VALUE RECEIVED, the Sellers and the Buyer agree that the Repurchase Agreement is amended as follows. 

ARTICLE I - AMENDMENTS TO THE REPURCHASE AGREEMENT 

1.1 Definitions. Section 1.1 is amended as follows: 

(a) The following definition is amended to read as follows: 

“Termination Date” means the earliest of (a) June 19, 2017, (b) the date on which
the Purchase Commitment is terminated pursuant to Section 10.2 hereof or (c) the date on which the Purchase Commitment Amount is reduced to zero pursuant to Section 2.3 hereof.” 

(b) The following definitions are added: 

“Committed Warehouse Financing Agreements” means Warehouse Finance Agreements under which
the buyers or lenders have agreed to fund the Seller’s origination of Mortgage Loans subject only to conventional conditions precedent similar to the conditions precedent set forth in Article VI hereof. 

“Discretionary Warehouse Financing Agreements” means Warehouse Finance Agreements under
which the buyers or lenders may fund the Seller’s origination of Mortgage Loans on the request of the Seller, at the discretion of such buyers or lenders. 

1.2 Non-Use Fee. Section 3.2 is amended by deleting “[***]”
and adding “[***]” in place thereof. 
 1.3 Minimum Warehouse Financing Facilities. Section 9.20 is
added, and shall read as follows: 
 “9.20 Minimum Warehouse Financing Facilities. Fail to
maintain credit facilities (used or unused) under Warehouse Financing Agreements of at least [***], of which not less than [***] shall be facilities under Committed Warehouse Financing Agreements (and the balance may be facilities under
Discretionary Warehouse Financing Agreements).” 
 1.4 CFPB and Related Provisions. 

(a) Reporting. Subsections (n) and (o) are added to Section 8.1 and shall read as follows: 

“(n) To the extent that such information may legally be disclosed by the Seller, immediately upon receipt thereof,
notice of receipt by the Seller of written notice by any governmental authority of any legal action or similar adversarial proceeding against any the Seller or any of its 

  
 1 

 Subsidiaries challenging its authority to originate, hold, own, service,
collect or enforce its Mortgage Loans, or otherwise alleging any material non-compliance by the Seller or any of its Subsidiaries with any applicable law related to originating, holding, collecting, servicing
or enforcing its Mortgage Loans, and a copy of, or summary of, such written notice. 
 (o) To the extent that such
information may legally be disclosed by the Seller, a summary of the results of examination by the Consumer Financial Protection Bureau or other governmental authority, disclosing whether any such examination shall have resulted in material
penalties or enforcement actions and whether compliance with recommendations or directives set forth in such examination shall result in material changes in the way the Seller does business.” 

(b) Compliance. Section 8. 7 is amended to read as follows: 

“Section 8.7 Compliance. 

(a) Comply in all material respects with all laws, rules, regulations, orders, writs, judgments, injunctions, decrees or
awards to which it may be subject, including, without limitation (i) all environmental protection laws, (ii) binding rules and regulations of the Federal Trade Commission and the Consumer Financial Protection Bureau, and those administered
by the Consumer Financial Protection Bureau, (iii) Anti-Corruption Laws and applicable Sanctions; and (iv) to the extent applicable, the laws and regulations cited in subsection (s) of the definition of “Basic Eligibility
Requirements” in Section A-6 of Exhibit A [Omitted pursuant to Item 601(a)(5) of Regulation S-K]. 

(b) Provide such information and take such actions as are reasonably requested by any Buyer in order to assist such Buyer
in maintaining compliance with the Patriot Act.” 
 1.5 Exhibits. Exhibits A (“Calculation of Purchase
Value, Aggregate Purchase Sublimits, Eligible and Ineligible Mortgage Loans”), B (“Approved Investors”) and D (“Compliance Certificate”) are replaced by Exhibits A, B [Omitted pursuant to Item 601(a)(5) of Regulation S-K]
and D [Omitted pursuant to Item 601(a)(5) of Regulation S-K] attached to this Amendment. 
 1.6 Construction. All
references in the Repurchase Agreement to “this Agreement”, “herein” and similar references shall be deemed to refer to the Repurchase Agreement as amended by this Amendment. 

ARTICLE II - REPRESENTATIONS AND WARRANTIES 

To induce the Buyer to enter into this Amendment and to continuing to Purchase Mortgage Loans under the Repurchase Agreement
as amended hereby, the Sellers hereby warrant and represent to the Buyer that they are duly authorized to execute and deliver this Amendment, and to perform their obligations under the Repurchase Agreement as amended hereby, and that this Amendment
constitutes the legal, valid and binding obligation of the Sellers, enforceable in accordance with its terms. 
 ARTICLE III - CONDITIONS
PRECEDENT 
 This Amendment shall become effective on the date first set forth above, provided, however, that the
effectiveness of this Amendment is subject to the satisfaction of each of the following conditions precedent: 
 3.1
Warranties. Before and after giving effect to this Amendment, the representations and warranties in Article VII of the Repurchase Agreement shall be true and correct as though made on the date hereof, except for changes that are
permitted by the terms of the Repurchase Agreement. The execution by the 

  
 2 

 Sellers of this Amendment shall be deemed a representation that the Sellers have complied
with the foregoing condition. 
 3.2 Defaults. Before and after giving effect to this Amendment, no Default and no
Event of Default shall have occurred and be continuing under the Repurchase Agreement. The execution by the Sellers of this Amendment shall be deemed a representation that the Sellers have complied with the foregoing condition. 

3.3 Documents. The Buyer and the Sellers shall have executed and delivered this Amendment. 

ARTICLE IV - GENERAL 

4.1 Expenses. The Sellers agree to reimburse the Buyer upon demand for all reasonable expenses (including reasonable
attorneys’ fees and legal expenses) incurred by this Buyer in the preparation, negotiation and execution of this Amendment and any other document required to be furnished herewith, and in enforcing the obligations of the Sellers hereunder, and
to pay and save the Buyer harmless from all liability for, any stamp or other taxes which may be payable with respect to the execution or delivery of this Amendment, which obligations of the Sellers shall survive any termination of the Repurchase
Agreement. 
 4.2 Counterparts. This Amendment may be executed in as many counterparts as may be deemed necessary
or convenient, and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed an original but all such counterparts shall constitute but one and the same instrument. 

4.3 Severability. Any provision of this Amendment which is prohibited or unenforceable in any jurisdiction shall, as
to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provisions in any other jurisdiction. 

4.4 Law; Consent to Jurisdiction; Waiver of Jury Trial. This Amendment shall be a contract made under the laws of the
State of Minnesota, which laws shall govern all the rights and duties hereunder. This Amendment shall be subject to the Consent to Jurisdiction and Waiver of Jury Trial provisions of the Repurchase Agreement. 

4.5 Successors; Enforceability. This Amendment shall be binding upon the Sellers and the Buyer and their respective
successors and assigns, and shall inure to the benefit of the Sellers and the Buyer and the successors and assigns of the Buyer. Except as hereby amended, the Repurchase Agreement shall remain in full force and effect and is hereby ratified and
confirmed in all respects. 
 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed at
Minneapolis, Minnesota by their respective officers thereunto duly authorized as of the date first written above. 
 (signature page
follows) 

  
 3 

 
			
	U.S. BANK NATIONAL ASSOCIATION

 
			
		
	 By:
	 	 /s/ Timothy C.
Hayes

 
			
	 Title:
	 	 Vice President

  

			
	GUILD MORTGAGE COMPANY, LLC

 
			
		
	 By:
	 	 /s/
Terry L. Schmidt

 
			
	 Title:
	 	 E.V.P & C.F.O

  

			
	GUILD MORTGAGE COMPANY

 
			
		
	 By:
	 	 /s/
Terry L. Schmidt

 
			
	 Title:
	 	 E.V.P & C.F.O

 (signature page to Fourth Amendment)

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