Document:

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                                                                    EXHIBIT 10.2

                               AMENDMENT AGREEMENT
                                      NO. 1

                  AMENDMENT AGREEMENT NO. 1, dated as of May 23, 2002 (this
"Amendment"), to the Receivables Purchase Agreement, dated as of April 18, 2002
(as amended, restated and/or otherwise modified from time to time, the "RPA"),
among HomePride Finance Corp. ("HomePride") and GSS HomePride Corp. (the
"Seller"), CIT Group/Sales Financing, Inc. (the "Sub-Servicer"), Greenwich
Funding Corp. (the "Investor"), the financial institutions named therein as
Banks (the "Banks") and Credit Suisse First Boston, New York Branch (the
"Agent"). Capitalized terms not otherwise defined herein shall have the meanings
attributed to them in the RPA.

                  WHEREAS, the parties hereto desire to amend the RPA on the
terms and subject to the provisions hereof;

                  NOW, THEREFORE, for valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, and subject to the fulfillment of
the conditions set forth below, the parties hereto agree as follows:

                  SECTION 1. Amendments to RPA.

                  1.1 The definition of "Eligible Receivable" in Section 1.01 of
         the RPA is hereby amended by deleting paragraph (rr) thereof in its
         entirety and inserting in its place the following:

                           (rr) which arises under a Contract which has a fixed
                  annual percentage rate and provides for level monthly,
                  bi-weekly or semi-monthly payments of principal and interest
                  and which fully amortize such Contract over its term;

                  1.2 The definition of "Eligible Receivable" in Section 1.01 of
         the RPA is hereby further amended by deleting paragraph (fff) thereof
         in its entirety and inserting in its place the following:

                           (fff) with respect to which, if such Receivable
                  arises under a Manufactured Housing Contract, the related
                  original Title is in the possession of the Custodian;
                  provided, that, if the related Manufactured Home is located in
                  a jurisdiction the laws of which require that the related
                  original Title must be delivered to the related Obligor, then
                  the appropriate document issued by the titling authority in
                  such jurisdiction evidencing the notation of HomePride's
                  perfected, first priority security interest in such
                  Manufactured Home is in the possession of the Custodian;

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                  1.3 The definition of "Eligible Receivable" in Section 1.01 of
         the RPA is hereby further amended by deleting paragraphs (qqq) and
         (rrr) thereof in their entirety and inserting in their place the
         following:

                           (qqq) with respect to which (a) the related Amount
                  Financed (excluding any set up expenses, fees, taxes,
                  insurance, closing costs, discount points, warranty coverage,
                  retailer installed options, park amenities, cost to the
                  related Obligor to acquire or refinance the land on which the
                  related Manufactured Home is or will be located, and site
                  preparation costs otherwise includable in such Amount
                  Financed), when added to the aggregate Amount Financed for all
                  other Eligible Receivables (excluding any set up expenses,
                  fees, taxes, insurance, closing costs, discount points,
                  warranty coverage, retailer installed options, park amenities,
                  cost to the related Obligor to acquire or refinance the land
                  on which the related Manufactured Home is or will be located,
                  and site preparation costs otherwise includable in any such
                  Amount Financed), does not exceed 130% of (b) the sum of (x)
                  the dealer invoice price for the Manufactured Home related to
                  such Receivable plus (y) the aggregate dealer invoice price
                  for the Manufactured Homes related to all other Eligible
                  Receivables;

                           (rrr) which arises under a Contract which is not a
                  Buy-For Contract, other than a Parent/Child Buy-For Contract;

                           (sss) with respect to which the set up fees related
                  to the applicable Manufactured Home and included in the
                  related Amount Financed did not exceed $2,500 per section of
                  such Manufactured Home or $7,500 in the aggregate;

                           (ttt) with respect to which the retailer installed
                  options related to the applicable Manufactured Home and
                  included in the related Amount Financed did not exceed 30% of
                  the dealer invoice for such Manufactured Home;

                           (uuu) with respect to which the insurance premiums
                  related to the applicable Manufactured Home and included in
                  the related Amount Financed did not exceed 20% of such Amount
                  Financed;

                           (vvv) with respect to which the warranty coverage
                  cost related to the applicable Manufactured Home and included
                  in the related Amount Financed did not exceed $1,500; and

                           (www) with respect to which any funds to be disbursed
                  to the related Obligor pursuant to the related Contract have
                  been fully disbursed.

                  1.4 The definition of "Excess Concentration Amount" in Section
         1.01 of the RPA is hereby amended by adding at the end thereof the
         following:

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                  and

                           (r) the amount by which the Aggregate Outstanding
                  Balance of all Eligible Receivables in the Receivables Pool
                  which were originated by any one Independent Dealer exceeds
                  the greater of (i) $1,000,000 and (ii) 2% of the Aggregate
                  Outstanding Balance of all Eligible Receivables in the
                  Receivables Pool;

                  1.5 The definition of "Significant Subsidiary" in Section 1.01
         of the RPA is hereby amended by deleting such definition in its
         entirety and inserting in its place the following:

                           "Significant Subsidiary" means any Subsidiary of a
                  Person which fits the definition of Significant Subsidiary
                  contained in Rule 1-02 of Regulation S-X promulgated by the
                  Securities and Exchange Commission, other than a Subsidiary
                  that is a special purpose entity formed for the purpose of
                  securitizing, selling for securitization or otherwise
                  facilitating the securitization of assets of such Person or
                  any other Subsidiary; provided, that, each Affiliated Dealer
                  shall be deemed to be a Significant Subsidiary of the Parent.

                  1.6 The definition of "Subsidiary" in Section 1.01 of the RPA
         is hereby amended by adding the phrase "or other entity" after the word
         "corporation" appearing in the first line thereof.

                  1.7 The following definitions are hereby added in Section 1.1
         of the RPA in their proper alphabetical order:

                                    "Affiliated Dealer" means any Dealer that
                  (i) is a direct or indirect Subsidiary of the Parent and (ii)
                  has originated Receivables that are included in the
                  Receivables Pool.

                                    "Independent Dealer" means any Dealer that
                  is not a direct or indirect Subsidiary of the Parent.

         SECTION 2. Conditions to Effectiveness. The amendments contained in
this Amendment shall not become effective until the following conditions have
been satisfied in full or waived in writing by the Agent:

                  2.1 The Agent shall have received an executed counterpart of
         this Amendment duly executed by each party thereto; and

                                       3
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                  2.2 No event has occurred and is continuing which constitutes
         a Termination Event or would constitute a Termination Event but for the
         requirement that notice be given or time elapse or both.

         SECTION 3. Representations and Warranties. Each of the Seller and the
Servicer reaffirms and restates the representations and warranties set forth in
the RPA and any agreement, document or instrument related thereto, and certifies
that such representations and warranties are true and correct on the date hereof
with the same force and effect as if made on such date, except as they may
specifically refer to an earlier date, in which case they were true and correct
as of such date. In addition, the Seller and the Servicer each represents and
warrants (which representations and warranties shall survive the execution and
delivery hereof) that (a) no Termination Event (nor any event that but for
notice or lapse of time or both would constitute an Termination Event) shall
have occurred and be continuing as of the date hereof nor shall any Termination
Event (nor any event that but for notice or lapse of time or both would
constitute a Termination Event) occur due to this Amendment becoming effective,
(b) the Seller and the Servicer each has the corporate power and authority to
execute and deliver this Amendment and has taken or caused to be taken all
necessary corporate actions to authorize the execution and delivery of this
Amendment, and (c) no consent of any other person (including, without
limitation, shareholders or creditors of the Seller or the Servicer), and no
action of, or filing with any governmental or public body or authority is
required to authorize, or is otherwise required in connection with the execution
and performance of this Amendment other than such that have been obtained.

         SECTION 4. Reference to and Effect on the Documents.

                  4.1 On and after the date on which this Amendment becomes
         effective pursuant to Section 2 of this Amendment, each reference in
         the RPA to "this Agreement" shall refer to the RPA as amended hereby
         and each reference in the RPA to "hereunder", "hereof", "herein", or
         words of like import shall mean and be a reference to the RPA as
         amended hereby. On and after the date on which this Amendment becomes
         effective pursuant to Section 2 of this Amendment, each reference to
         the RPA in any agreement, document or instrument related to the RPA
         shall mean and be a reference to the RPA as amended hereby.

                  4.2 Except as expressly amended above, the RPA shall remain in
         full force and effect and is hereby ratified and confirmed in all
         respects.

                  4.3 The execution and delivery of this Amendment shall not,
         except as expressly provided herein, operate as a waiver of any right,
         power or remedy of the Investor, any Bank or the Agent under the RPA
         nor constitute a waiver of any provision of the RPA.

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         SECTION 5. Governing Law. THIS AMENDMENT SHALL, IN ACCORDANCE WITH
SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW YORK, BE
GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO ANY CONFLICTS
OF LAW PRINCIPLES THEREOF THAT WOULD CALL FOR THE APPLICATION OF THE LAWS OF ANY
OTHER JURISDICTION.

         SECTION 6. Execution in Counterparts. This Amendment may be executed in
any number of counterparts and by different parties hereto in separate
counterparts, each of which when so executed shall be deemed an original and all
of which when taken together shall constitute one and the same agreement.
Delivery of an executed counterpart of a signature page to this Amendment by
telecopier shall be effective as delivery of a manually executed counterpart of
this Amendment.

                          [Signature pages to follow.]

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                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

         SELLER:                  GSS HOMEPRIDE CORP.

                                  By:    /s/ Frank B. Bilotta
                                     -------------------------------
                                      Name:  Frank B. Bilotta
                                      Title: President

         INVESTOR:                GREENWICH FUNDING CORP.

                                  By:    Credit Suisse First Boston, New York
                                         Branch, as its Attorney-In-Fact

                                         By:    /s/ Mark Lengel
                                            --------------------------------
                                             Name:  Mark Lengel
                                             Title: Vice President

                                         By:    /s/ Joseph Soave
                                            --------------------------------
                                             Name:  Joseph Soave
                                             Title: Vice President

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         BANK:                    CREDIT SUISSE FIRST BOSTON, NEW YORK BRANCH

                                  By:    /s/ Anthony Giordano
                                     -------------------------------
                                      Name:  Anthony Giordano
                                      Title: Director

                                  By:    /s/ Mark Golombeck
                                     -------------------------------
                                      Name:  Mark Golombeck
                                      Title: Vice President

         AGENT:                   CREDIT SUISSE FIRST BOSTON, NEW YORK BRANCH,
                                  AS AGENT

                                  By:    /s/ Anthony Giordano
                                     -------------------------------
                                      Name:  Anthony Giordano
                                      Title: Director

                                  By:    /s/ Mark Golombeck
                                     -------------------------------
                                      Name:  Mark Golombeck
                                      Title: Vice President

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<PAGE>

         SERVICER:                HOMEPRIDE FINANCE CORP., AS SERVICER

                                  By:    /s/ John J. Collins
                                     -------------------------------
                                      Name:  John J. Collins
                                      Title: Vice President, Secretary &
                                             General Counsel

         SUB-SERVICER:            THE CIT GROUP/SALES FINANCING, INC.

                                  By:    /s/ Ron G. Arrington
                                     -------------------------------
                                      Name:  Ron G. Arrington
                                      Title: Executive Vice President

                                       8<PAGE>
                                                                    EXHIBIT 10.3

                         AMENDMENT AND WAIVER AGREEMENT
                                      NO. 2

                  AMENDMENT AND WAIVER AGREEMENT NO. 2, dated as of June 17,
2002 (this "Agreement"), to the (i) Fee Letter Agreement, dated as of April 18,
2002 (as amended and supplemented from time to time, the "Fee Letter"), among
GSS HomePride Corp. (the "Company"), a Delaware corporation, HomePride Finance
Corp. ("HomePride"), a Michigan corporation and Credit Suisse First Boston, New
York Branch, as Agent (the "Agent") and (ii) Receivables Purchase Agreement,
dated as of April 18, 2002 (as amended and supplemented from time to time, the
"RPA"), among the Company, HomePride, as servicer (the "Servicer"), The
CIT/Group Sales Financing, Inc. ("CIT"), a Delaware corporation, as
sub-servicer, Greenwich Funding Corp., the financial institutions set forth on
the signature page thereto, as Banks and the Agent. Capitalized terms used
herein and not otherwise defined shall have the meanings ascribed thereto in the
Fee Letter or the RPA (as defined below).

                  WHEREAS, in connection with the RPA and the transactions
contemplated therein, HomePride had entered into that certain Global Servicing
Agreement, dated as of April 18, 2002 (as amended and supplemented from time to
time, the "Global Servicing Agreement"), between HomePride and CIT;

                  WHEREAS, HomePride and the Company have requested the waiver
of certain provisions of the Fee Letter and the RPA and the amendment of certain
provisions of the RPA, in each case, on the terms and subject to the provisions
hereof;

                  NOW, THEREFORE, for valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, and subject to the fulfillment of
the conditions set forth below, the parties hereto agree as follows:

                  SECTION 1.  Waiver under the RPA and the Fee Letter.

                  1.1 The Agent hereby waives the provisions of paragraph 2 of
the Fee Letter solely to the extent that such provisions require the Company to
pay to the Agent, for the benefit of the Banks, the amount of the Facility Fee
due on June 13, 2002 (the "June Late Payment"); provided, that, such waiver
shall be automatically revoked if the June Late Payment and the amount of the
Facility Fee which was due on May 13, 2002 (the "May Late Payment", together
with the June Late Payment, the "Late Payment") is not received by the Agent on
or prior to July 15, 2002.

                  1.2 The Agent hereby waives the Termination Event arising
under Section 14.01(p) of the RPA because of the Company's failure to obtain the
Minimum Shadow Rating

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within 60 days after the Closing Date; provided, that, such waiver shall be
automatically revoked if the Minimum Shadow Rating has not been obtained on or
prior to the forty-fifth (45th) day after the date of this Agreement.

                  1.3 The Agent hereby waives (i) the Servicer Termination Event
arising under Section 13.01(j) of the RPA and (ii) the Event of Default arising
under Section 14.03(s) of the RPA related to the default which has occurred
under the second paragraph of Section 2.13 of the Global Servicing Agreement
regarding HomePride's failure to enter into a Reconstitution Agreement (as
defined in the Global Servicing Agreement) with CIT within 60 days after the
date of the Global Servicing Agreement, provided, that such waiver shall be
automatically revoked if HomePride has not entered into a Reconstitution
Agreement with CIT, or another entity approved in writing by the Agent, on or
prior to the sixtieth (60th) day after the date of this Agreement.

                  SECTION 2.  Amendment to the RPA.

                  2.1 Section 9.21 of the RPA is hereby amended by deleting the
words "within 60 days after the Closing Date" where it appears therein and
substituting "within 105 days after the Closing Date" in lieu thereof.

                  SECTION 3.  Agreements of the Parties Hereto.

                  3.1 The parties hereto agree that the failure of the Company
to pay the full amount of the Late Payment to Agent, for the benefit of the
Banks, on or prior to July 15, 2002 shall constitute an Event of Default under
the RPA.

                  3.2 The Agent agrees that no penalties or interest shall be
payable in connection with the Late Payment if the Late Payment shall have been
paid in full by the Company to the Agent on or prior to July 15, 2002.

                  3.3 The parties hereto agree that the waiver set forth in
Section 1.1 herein is effective as of June 13, 2002.

                  3.4 The parties hereto agree that the failure of the Company
to obtain the Minimum Shadow Rating on or prior to the forty-fifth (45th) day
after the date of this Agreement shall constitute a Termination Event.

                  3.5 The parties hereto agree that the failure of HomePride to
enter into a Reconstitution Agreement with CIT, or another entity approved in
writing by the Agent, on or prior to the sixtieth (60th) day after the date of
this Agreement shall constitute a Servicer Termination Event and an Event of
Default.

                  3.6 Any breach of a representation, warranty or covenant
hereunder shall be

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deemed to be a breach of a representation, warranty or covenant under the RPA.

                  SECTION 4. Conditions to Effectiveness. The agreements and
waivers contained in this Agreement shall not become effective until the
following conditions have been satisfied in full or waived in writing by the
Agent:

                  (a) the Agent shall have received an executed counterpart of
         this Agreement duly executed by each of the parties hereto;

                  (b) no event has occurred and is continuing which constitutes
         an unwaived Termination Event or an unwaived Incipient Termination
         Event; and

                  (c) the Agent shall have received such approvals, instruments
         or documents as the Agent may reasonably request.

                  SECTION 5. Representations and Warranties. Each of the
Company, HomePride and the Servicer reaffirms and restates its representations
and warranties set forth in the RPA and any agreement, document or instrument
related thereto, and certifies that such representations and warranties are true
and correct on the date hereof with the same force and effect as if made on such
date, except as they may specifically refer to an earlier date, in which case
they were true and correct as of such date. In addition, the Company, HomePride
and the Servicer each represents and warrants (which representations and
warranties shall survive the execution and delivery hereof) that (a) no unwaived
Termination Event or Incipient Termination Event shall have occurred and is
continuing as of the date hereof nor shall any unwaived Termination Event or an
Incipient Termination Event occur due to this Agreement becoming effective, (b)
the Company, HomePride and the Servicer each has the corporate power and
authority to execute and deliver this Agreement and has taken or caused to be
taken all necessary corporate actions to authorize the execution and delivery of
this Agreement, and (c) no consent of any other person (including, without
limitation, shareholders or creditors of the Company, HomePride or the
Servicer), and no action of, or filing with any governmental or public body or
authority is required to authorize, or is otherwise required in connection with
the execution and performance of this Agreement other than such that have been
obtained.

                  SECTION 6.  Effect on the Documents.

                  (a) On and after the date hereof, each reference in the RPA to
         "this Agreement" shall refer to such agreement as amended hereby and
         each reference in the RPA to "hereunder", "hereof", "herein", or words
         of like import shall mean and be a reference to such agreement as
         amended hereby. On and after the date hereof, each reference to the RPA
         in any agreement, document or instrument related thereto shall mean and
         be a reference to such agreement or agreements as amended hereby.

                  (b) Except as expressly amended and/or waived above, each of
         the RPA and

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         the Fee Letter shall remain in full force and effect and each of the
         RPA and the Fee Letter is hereby ratified and confirmed in all respects
         by the Company, HomePride and the Servicer.

                  (c) The execution and delivery of this Amendment shall not,
         except as expressly provided herein, operate as a waiver of any right,
         power or remedy of the Agent, any Bank or Investor under the RPA or the
         Fee Letter nor constitute a waiver of any provision thereunder.

                  SECTION 7. Governing Law. THIS AGREEMENT SHALL, IN ACCORDANCE
WITH SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW OF THE STATE OF NEW YORK, BE
GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REGARD TO ANY CONFLICTS
OF LAW PRINCIPLES THEREOF THAT WOULD CALL FOR THE APPLICATION OF THE LAWS OF ANY
OTHER JURISDICTION.

                  SECTION 8. Execution in Counterparts. This Agreement may be
executed in any number of counterparts and by different parties hereto in
separate counterparts, each of which when so executed shall be deemed an
original and all of which when taken together shall constitute one and the same
agreement. Delivery of an executed counterpart of a signature page to this
Agreement by telecopier shall be effective as delivery of a manually executed
counterpart of this Agreement.

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<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused this
Agreement to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

                                     GSS HOMEPRIDE CORP.

                                     By: /s/ Frank B. Bilotta
                                        ---------------------------------
                                           Name:  Frank B. Bilotta
                                           Title: President

                                     HOMEPRIDE FINANCE CORP., individually and
                                     as Servicer

                                     By: /s/ John Collins, Jr.
                                        ---------------------------------
                                           Name:  John Collins, Jr.
                                           Title: Vice President

                                     CREDIT SUISSE FIRST BOSTON, NEW YORK
                                     BRANCH, as Agent

                                     By: /s/ Anthony Giordano
                                        ---------------------------------
                                           Name:  Anthony Giordano
                                           Title: Director

                                     By: /s/ Alberto Zonca
                                        ---------------------------------
                                           Name:  Alberto Zonca
                                           Title: Vice President

                                     THE CIT GROUP/SALES FINANCING, INC., as
                                     Sub-Servicer

                                     By: /s/ Ron G. Arrington
                                        ---------------------------------
                                           Name:  Ron G. Arrington
                                           Title: Executive Vice President

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