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                                                                   EXHIBIT 10.10

                       AEGIS MORTGAGE ACCELERATION CORP.

                        COMMON STOCK PURCHASE AGREEMENT
                        -------------------------------

     THIS COMMON STOCK PURCHASE AGREEMENT (the "Agreement") is made and entered
into as of September 21, 1999, by and between AEGIS MORTGAGE ACCELERATION CORP.,
a Delaware corporation ("COMPANY"), and Stephen M. Herz ("PURCHASER").

                                R E C I T A L S
                                - - - - - - - -

     A.   PURCHASER is the Chief Operating Officer of the COMPANY.

     B.   The parties desire to specify the terms and conditions of PURCHASER's
equity participation in COMPANY.

     THE PARTIES AGREE AS FOLLOWS:

     1.   Issuance of Shares; Purchase Price; Payment.
          -------------------------------------------

          1.1  Issuance and Price. PURCHASER hereby purchases and COMPANY hereby
               ------------------
sells 62,976 shares of COMPANY common stock (the "Shares") at a purchase price
of $1.00 per share.

          1.2  Payment.  PURCHASER shall pay for the Shares by executing and
               -------
delivering to COMPANY a 10-year, 5.7% promissory note in the form attached to
this Agreement as Exhibit A. PURCHASER shall also execute and deliver to COMPANY
a security agreement in the form attached to this Agreement as Exhibit B.
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     2.   Rights to Repurchase Shares.
          ---------------------------

          2.1  Termination.  If PURCHASER shall cease to be an employee of
               -----------
COMPANY for any reason, COMPANY shall have the right to repurchase all of the
Shares at a rate of $1.00 per share plus the total interest paid or accrued with
respect to each Share purchased. The number of Shares subject to COMPANY's right
to repurchase shall be (i) reduced by 15,744 of the Shares on August 23, 2000
and (ii) by 1,312 of the Shares on the 23rd day of September, 2000, and the 23rd
day of each month thereafter that PURCHASER serves as an employee, so that
COMPANY's right to repurchase shall expire fully on August 23, 2003; provided,
                                                                     --------
however, that (a) in the event of PURCHASER's death on or before August 23,
-------
2000, then COMPANY's right to repurchase shall expire with respect to 15,744 of
the Shares upon the date of death and (b) in the event of a Change in Control,
if PURCHASER is an employee of COMPANY on the closing date of a transaction that
constitutes a Change of Control, then COMPANY's right to repurchase shall expire
with respect to all Shares upon such Change in Control.

     For purposes of this Agreement, a "Change in Control" shall mean the
occurrence of any one of the following: (x) Any "person", as such term is used
in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended
(the "Exchange Act") (other than the COMPANY, a subsidiary, an affiliate or a
COMPANY employee benefit plan, including any trustee of such plan acting as
trustee) is or becomes the "beneficial owner" (as defined in Rule 13d-3 under
the Exchange Act), directly or indirectly, of securities of COMPANY representing
50% or more of the combined voting

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power of COMPANY's then-outstanding securities; or (y) a sale of assets
involving 75% or more of the fair market value of the assets of COMPANY as
determined in good faith by the Board of Directors of COMPANY, or (z) any merger
or reorganization of COMPANY whether or not another entity is the survivor,
pursuant to which the holders of all the shares of capital stock of COMPANY
outstanding prior to the transaction hold, as a group, less than 50% of the
shares of capital stock of COMPANY outstanding after the transaction.

          2.2  Exercise of Repurchase Right.  COMPANY may exercise its right to
               ----------------------------
repurchase set forth in this Section 2 by written notice to PURCHASER within 90
days after the date on which the Shares (or a portion thereof) become subject to
such right to repurchase; provided, that if COMPANY determines that exercise of
                          --------  ----
its right to repurchase would violate applicable laws or would be detrimental to
the best interests of COMPANY, COMPANY may assign all or a portion of its
repurchase right to such person or persons, including stockholders of COMPANY,
as are designated for such purpose by the Board of Directors of COMPANY.  If
COMPANY (or its assignees) exercises its right of repurchase, PURCHASER shall,
if necessary, endorse and deliver to COMPANY (or its assignees) the stock
certificates representing the Shares being repurchased, and COMPANY (or its
assignees) shall pay PURCHASER the total repurchase price upon such delivery.
Repayment may be by the cancellation of indebtedness to the extent then
outstanding from PURCHASER to COMPANY and otherwise shall be in cash.  PURCHASER
shall cease to have any rights with respect to such repurchased Shares
immediately upon receipt of the repurchase price.

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     3.   Right of First Refusal and Restrictions on Transfer.
          ---------------------------------------------------

          The Shares shall be subject to a right of first refusal by COMPANY in
the event that PURCHASER or any transferee of such Shares proposes to sell,
pledge or otherwise transfer such Shares or any interest in such Shares to any
person or entity; provided that transfer to Purchaser's spouse, issue, spouse of
an issue or trusts for the benefit of such persons shall not be subject to a
right of first refusal if the transferees agree in writing to be bound by the
terms of this Agreement and take the Shares subject to any security interest in
favor of COMPANY. Any holder of the Shares desiring to transfer such Shares or
any interest in such Shares shall give a written notice to COMPANY describing
the proposed transfer, including the number of Shares proposed to be
transferred, the price and terms at which such Shares are proposed to be
transferred and the name and address of the proposed transferee. Unless
otherwise agreed by COMPANY and the holder of such Shares, purchases by COMPANY
under this Section shall be at the proposed price and terms specified in the
notice to COMPANY. If COMPANY fails to exercise its right of first refusal
within 30 days from the date on which COMPANY receives the shareholder's notice,
the shareholder may, within the next 90 days, conclude a transfer to the
proposed transferee of the exact number of Shares covered by that notice on
terms not more favorable (taken as a whole) to the transferee than those
described in the notice. COMPANY's right of first refusal shall attach to the
Shares, and all transferees shall be subject thereto. Any subsequent proposed
transfer shall again be subject to COMPANY's right of first refusal. If COMPANY
exercises its right of first refusal, the shareholder shall endorse and deliver
to COMPANY the stock

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certificates representing the Shares being repurchased and COMPANY shall upon
such delivery pay the shareholder the total repurchase price. The holder of the
Shares being repurchased shall cease to have any rights with respect to such
Shares immediately upon receipt of the repurchase price. The right of first
refusal set forth in this Section shall terminate upon the earliest of
consummation of an underwritten public offering of COMPANY's common stock
registered under the Securities Act of 1933 (the "Act"), sale of substantially
all the assets of COMPANY, a merger in which COMPANY is not the survivor or
acquisition of all the outstanding securities of COMPANY.

     4.  Other Restrictions on Resale of Shares.
         --------------------------------------

          4.1  Legends.  PURCHASER understands and acknowledges that the Shares
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are not registered under the Act, and that under the Act and other applicable
laws PURCHASER may be required to hold such Shares for an indefinite period of
time. Each stock certificate representing Shares shall bear the following
legends:

               The securities represented hereby have not been
          registered under the Securities Act of 1933, as amended (the
          "Act"). Any transfer of such securities shall be invalid
          unless a registration statement under the Act is in effect
          as to such transfer or, in the opinion of counsel reasonably
          acceptable to the Company, such registration is unnecessary
          for such transfer to comply with the Act.

               The securities represented hereby are subject to the
          terms of an agreement between the Company and the holder of
          such securities. Pursuant to the terms of such agreement,
          the Company has a right of first refusal with respect to
          transfer of such securities and has a right to repurchase
          such securities under certain circumstances. A copy of the
          agreement can be obtained from the Secretary of the Company.

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          4.2  Market Standoff.  PURCHASER agrees that if so requested by
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COMPANY or any representative of the underwriters in connection with
registration of the initial public offering of any securities of COMPANY under
the Act, PURCHASER shall not sell, pledge or otherwise transfer any Shares or
other securities of COMPANY during the 180-day period following the effective
date of such registration statement. COMPANY may impose stop-transfer
instructions with respect to securities subject to the foregoing restrictions
until the end of such 180-day period.

     5.   Representations and Acknowledgments of PURCHASER.
          ------------------------------------------------

          PURCHASER hereby represents, warrants, acknowledges and agrees that:

          5.1  Investment. PURCHASER is acquiring the Shares for PURCHASER's own
               ----------
account, and not directly or indirectly for the account of any other person.
PURCHASER is acquiring the Shares for investment and not with a view to
distribution or resale thereof except in compliance with the Act and any
applicable state law regulating securities.

          5.2  Access to Information.  PURCHASER has had the opportunity to ask
               ---------------------
questions of, and to receive answers from, appropriate executive officers of
COMPANY with respect to the terms and conditions of the transactions
contemplated hereby and with respect to the business, affairs, financial
condition and results of operations of COMPANY.  PURCHASER has had access to
such financial and other information as is necessary in order for PURCHASER to
make a fully informed decision as to investment of COMPANY, and has had the
opportunity to obtain any additional

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information necessary to verify any of such information to which PURCHASER has
had access.

          5.3  Pre-Existing Relationship.  PURCHASER further represents and
               -------------------------
warrants that he has either (i) a pre-existing relationship with COMPANY or one
or more of its officers or directors consisting of personal or business contacts
of a nature and duration which enable him to be aware of the character, business
acumen and general business and financial circumstances of COMPANY or the
officer or director with whom such relationship exists or (ii) such business or
financial expertise as to be able to protect his own interests in connection
with the purchase of the Shares.

          5.4  Speculative Investment.  PURCHASER's investment in COMPANY
               ----------------------
represented by Shares is speculative in nature and is subject to a high degree
of risk of loss in whole or in part; the amount of such investment is within
PURCHASER's risk capital means and is not so great in relation to PURCHASER's
total financial resources as would jeopardize the personal financial needs of
PURCHASER and PURCHASER's family in the event such investment were lost in whole
or in part.

          5.5  Unregistered Securities.
               -----------------------

               (a)  PURCHASER must bear the economic risk of investment for an
indefinite period of time because the Shares have not been registered under the
Act and therefore cannot and will not be sold unless they are subsequently
registered under the Act or an exemption from such registration is available.
COMPANY has made no agreements, covenants or undertakings whatsoever to register
any of the Shares under the Act. COMPANY has made no representations, warranties
or covenants whatsoever as to

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whether any exemption from the Act, including, without limitation, any exemption
for limited sales in routine brokers' transactions pursuant to Rule 144 under
the Act, will become available and any such exemption pursuant to Rule 144, if
available at all, will not be available unless: (i) a public trading market then
exists in COMPANY's common stock, (ii) adequate information as to COMPANY's
financial and other affairs and operations is then available to the public, and
(iii) all other terms and conditions of Rule 144 have been satisfied.

               (b)  Transfer of the Shares has not been registered or qualified
under any applicable state law regulating securities and therefore the Shares
cannot and will not be sold unless they are subsequently registered or qualified
under any such act or an exemption therefrom is available. COMPANY has made no
agreements, covenants or undertakings whatsoever to register or qualify any of
the Shares under any such act. COMPANY has made no representations, warranties
or covenants whatsoever as to whether any exemption from any such act will
become available.

     6.   Tax Advice.
          ----------

          PURCHASER acknowledges that PURCHASER has not relied and will not rely
upon COMPANY with respect to any tax consequences related to the ownership,
purchase or disposition of the Shares. PURCHASER assumes full responsibility for
all such consequences and for the preparation and filing of all tax returns and
elections which may or must be filed in connection with such Shares. PURCHASER
has executed and delivered to COMPANY an acknowledgment in the form of Exhibit C
to this Agreement.

     7.   No Commitment.
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          Nothing in this Agreement constitutes an agreement that PURCHASER will
be retained as an employee of COMPANY for any term.

     8.   Notices.
          -------

          Any notice or other communication required or permitted hereunder
shall be in writing and shall be deemed to have been duly given on the date of
service if served personally or five days after mailing if mailed by first class
United States mail, certified or registered with return receipt requested,
postage prepaid, and addressed as follows:

          To COMPANY at:      AEGIS MORTGAGE ACCELERATION CORP.
                              3 Embarcadero Center, 5th Floor
                              San Francisco, California 94111

          To PURCHASER at:    1007 Jennifer's Meadow Court
                              Danville, California 94506

     9.   Binding Effect.
          --------------

          This Agreement shall be binding upon the heirs, legal representatives
and successors of COMPANY and PURCHASER; provided, however, that PURCHASER may
not assign any rights or obligations under this Agreement. COMPANY's rights
under this Agreement shall be freely assignable.

     10.  Governing Law.
          -------------

          This Agreement shall be governed by and construed in accordance with
the laws of the State of California applicable to contracts entered into and to
be performed entirely within the State of California by residents of the State
of California.

     11.  Stockholders Agreement.
          ----------------------

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          PURCHASER agrees to be a signatory to the Stockholders Agreement dated
as of April 30, 1993, among the COMPANY and its stockholders, the form of which
is attached to this Agreement as Exhibit D. In the event of any conflict with or
inconsistency between this Agreement and the Stockholders Agreement, the terms
of this Agreement shall control the rights and obligations of the PURCHASER and
COMPANY.

          IN WITNESS WHEREOF, the parties hereto have executed the Agreement on
the date first above written.

                                   COMPANY

                                   AEGIS MORTGAGE ACCELERATION CORP.

                                   By /s/ Johh P. Decker
                                     ----------------------------------
                                        Johh P. Decker, President

                                   PURCHASER

                                      /s/ Stephen M. Herz
                                     ----------------------------------
                                        Stephen M. Herz

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                               CONSENT OF SPOUSE
                               -----------------

     By execution of this Consent, the undersigned spouse of PURCHASER agrees to
be bound by the terms of this Agreement as to her interest, whether as community
property or otherwise, if any, in the Shares purchased, including, without
limitation, the terms of Section 2 of this Agreement.

                                   /s/ ^^
                                   -------------------------------------

                                       11<PAGE>

                                                                   EXHIBIT 10.11

                         THIS TAX INDEMNITY AGREEMENT

     THIS TAX INDEMNITY AGREEMENT ("Agreement"), dated as of July 1, 1998, is
entered into by and between AEGIS MORTGAGE ACCELERATION CORPORATION (the
"Corporation") and JOHN DECKER ("Decker").

                                   RECITALS

     A.  Decker exercised options (the "Options") to purchase 217,647 shares of
Common Stock of the Corporation (the "Option Shares") on March 27, 1998 (the
"Exercise Date"), which Options were awarded to Decker as compensation for
services. The Options did not qualify for treatment as incentive stock options
under Section 422 of the Internal Revenue Code or any other special tax
treatment.

     B.  Decker's exercise of the Options results in Decker's realization of
ordinary income equal to the excess of the fair market value of the Option
Shares on the Exercise Date over the exercise price paid therefor.

     C.  The Board of Directors of the Corporation has determined that the
Option Shares had a fair market value of $1.00 per share on the Exercise Date
and the Corporation will take this position on its tax returns.  The parties
desire that the Corporation indemnify Decker for any income tax liability he
incurs as a result of the fair market value being in excess of $1.00, subject to
the restrictions set forth in this Agreement.

     NOW THEREFORE, in consideration of the mutual agreements contained herein
and the services performed by Decker for the Corporation, the parties agree as
follows:

     SECTION 1.    INDEMNIFICATION
                   ---------------

     1.1  Indemnity.
          ---------

     (a)  General. If Decker becomes obligated to pay an amount of United States
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federal, state or local income tax, interest, or penalty with respect to the
exercise of the Options or the receipt of Option Shares in excess of the amount
of such tax that Decker would be obligated to pay if the Option Shares had a
fair market value of $1.00 on the Exercise Date, the Corporation shall pay to
Decker the amount of such excess taxes, interest, or penalty.  In computing the
amount of excess taxes payable by Decker for purposes of the preceding sentence,
the amount by which Decker's federal income tax is reduced as a result of any
deduction Decker receives for increased state or local income taxes payable
shall be taken into account.

     (b)  Prior Sale.  If Decker sells the Option Shares for cash prior to the
          ----------
time that any indemnity becomes payable hereunder, the Corporation's obligation
to indemnify Decker under Section 1.1(a) shall be limited to the excess of (i)
the amount of the indemnity calculated under Section 1.1(a) without regard to
this paragraph over (ii) the net decrease in Decker's federal, state, and local
income tax liability on such sale as the result of the Option Shares having a
fair market value in excess of $1.00 on the Exercise Date.

     (c)  Gross Up.  Any payment made by the Corporation to Decker under this
          --------
Section 1.1 shall be increased by an amount such that Decker receives, on an
after-tax basis, an amount equal to the indemnity otherwise payable.

     (d)  Payments.  Subject to Sections 1.2 and 1.3, payments under this
          --------
Section 1.1 shall be due on the later of (i) 7 days prior to the date on which
Decker is required to pay the excess tax liability described in Section 1.1(a),
and (ii) 20 days after Decker notifies the Corporation of such obligation.

<PAGE>

     1.2  Limitation on Indemnity Payment.  The Corporation's total payments to
          -------------------------------
Decker under Section 1.1, including the amount of any gross-up under Section
1.1(c), shall not exceed the net amount by which the federal, state and local
income taxes of the Corporation (or its successors) are actually reduced in any
prior or current year, as a result of both the increased compensation deductions
the Corporation may take by reason of the excess in fair market value of the
Option Shares over $1.00 per share and the deductions the Corporation may take
for any indemnity paid hereunder (including any gross-up).  In computing the
actual reduction in the Corporation's tax liability, the Corporation shall take
into account: (i) the Corporation's ability to use any increased compensation
deductions, determined by taking into account any other corporation with which
the Corporation files a consolidated or combined return in the relevant year,
(ii) the fact that the Corporation's deductions against federal taxable income
for state or local income taxes paid may be reduced as a result of increased
compensation deductions against state or local taxable income; (iii) any
increase in the amount of federal, state, or local employment taxes payable by
the Corporation with respect to the Options, the Option Shares, or the indemnity
payment; and (iv) any interest or penalty payable with respect to any increased
employment taxes.  If an indemnity becomes payable (but for the provisions of
this Section 1.2), the Corporation agrees that it will make good faith efforts
to claim all reasonably available tax benefits in connection with the Options,
the Option Shares and any indemnity payment, and to make good faith efforts to
timely file returns and other forms, make elections, or take any other
procedural action reasonably necessary to reduce its tax liability.  The amount
of any actual reduction for any year shall be finally determined as of the time
that the Corporation files its tax return for such year and shall not be reduced
as a result of future events, including but not limited to any subsequent
adjustment to the Corporation's tax liability for such year, whether as a result
of an audit or otherwise.  If any indemnity payment was limited under this
Section 1.2 because the Corporation was unable to use a deduction in any prior
or the current taxable year, and the Corporation becomes able to use the
deduction in a subsequent taxable year, then notwithstanding the first sentence
of this Section 1.2, the Corporation shall pay to Decker, on the last day of the
year in which the Corporation is able to use the deduction, the amount by which
its taxes are actually reduced in such year.

     1.3  Estimate of Limitation.  The Corporation shall make payments when due
          ----------------------
under Sections 1.1 and 1.2 based on a good faith estimate of the amount of the
limitation imposed pursuant to Section 1.2.  If the actual limitation is later
determined to be higher than such good faith estimate, the Corporation shall
make additional payments to Decker to the extent required pursuant to Section
1.1.  If the actual limitation is determined to be lower than such good faith
estimate, Decker will return any payments previously made pursuant to Section
1.1 as a result of such incorrect estimate.

     SECTION 2.  NOTIFICATION; CONTEST RIGHTS
                 ----------------------------

     2.1  Notification.  If Decker receives any notice, assessment, proposed
          ------------
assessment, bill or any other written notification from any governmental
authority assessing, proposing to assess, or seeking to collect any tax for
which the Corporation is obligated to indemnify under this Agreement or making
any adjustment to the fair market value of the Option Shares, Decker shall,
within 15 days, send a copy of such notice to the Corporation.  Decker's failure
to send the Corporation a copy of the notice shall not affect the Corporation's
obligation to pay the indemnity under Section 1 unless Decker's failure
materially adversely affects the Corporation's ability to contest the assessment
of an indemnifiable tax under Section 2.2.

     2.2  Contest.  If the Corporation so requests, Decker shall contest any
          -------
assessment or proposed assessment by any governmental authority of an
indemnifiable tax.  The Corporation shall be responsible for the expenses of any
such contest conducted at the Corporation's request.  The Corporation shall be
entitled to control any such contest, provided that it first agrees in writing
to make any indemnification payments required by Section 1.1 as a result of such
assessment, without regard to any limitations contained in Section 1.2.   If
allowed under applicable law, the Corporation may contest any indemnifiable tax
in its own name.  Neither party may compromise or settle the question of the
fair market value of the Option Shares with any

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governmental authority without prior written consent of the other party, which
consent shall not be unreasonably withheld.

     SECTION 3.  BINDING EFFECT
                 --------------

     This Agreement shall be binding upon and inure to the benefit of the
successors and assigns of the Company and the executors, administrators and
heirs of Decker.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the
first date written above.

                    JOHN DECKER

                    /s/ John Decker
                    ---------------------------------------

                    AEGIS MORTGAGE ACCELERATION CORPORATION

                    By: /s/ ^^
                       ------------------------------------

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