Document:

Exhibit 10.6.9

   

  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. 9 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 9 to Master Repurchase Agreement, dated as of October 19, 2018 (this “Amendment”), between UBS AG, by and through its branch office
    at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller are parties to (a) that certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated
    as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment No. 4, dated as of January 5, 2017, Amendment No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9,
    2017, Amendment No. 7, dated as of May 7, 2018, and Amendment No. 8, dated as of July 16, 2018, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase Agreement”) and (b) that certain Pricing
    Letter, dated as of October 28, 2015 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the
    Existing Repurchase Agreement and Pricing Letter, as applicable.

   

  The Buyer and the Seller have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to
    reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement.

   

  Accordingly, the Buyer and the Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing
    Repurchase Agreement is hereby amended as follows:

   

  SECTION 1. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by adding the following definitions of “Beneficial

      Ownership Certification”, “Beneficial Ownership Regulation”, “Ginnie Mae Modified Loan”, “Modification Agreement”, “RD Loan”, “RD Loan Guaranty Agreement”, “Settlement Threshold”, “VA Loan” and “VA

      Loan Guaranty Agreement” in their proper alphabetical order:

   

  “Beneficial Ownership Certification” shall mean a certification regarding beneficial ownership meeting the requirements of the Beneficial
    Ownership Regulation.

   

  “Beneficial Ownership Regulation” shall mean 31 C.F.R. § 1010.230.

   

  “Ginnie Mae Modified Loan” shall mean a FHA Loan, VA Loan or RD Loan that (i) is modified in accordance with the Ginnie Mae guide, (ii) conforms
    to the requirements of Ginnie Mae for securitization; (iii) is not a Wet Loan and (iv) is otherwise acceptable to Buyer in its sole discretion.

   

  “Modification Agreement” shall mean, with respect to a Ginnie Mae Modified Loan, the agreement that modifies the terms of the Mortgage Loan in
    accordance with the Ginnie Mae guide.

   

  
  
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  “RD Loan” shall mean a Mortgage Loan which is the subject of a RD Loan Guaranty Agreement as evidenced by a loan guaranty.

   

  “RD Loan Guaranty Agreement” shall mean the agreement evidencing the contractual obligation of the RD respecting the guaranty of an RD Loan.

   

  “Settlement Threshold” shall have the meaning specified in the Pricing Letter.

   

  “VA Loan” shall mean a Mortgage Loan which is the subject of a VA Loan Guaranty Agreement as evidenced by a loan guaranty certificate.

   

  “VA Loan Guaranty Agreement” shall mean the agreement evidencing the contractual obligation of the VA respecting the guaranty of a VA Loan.

   

  SECTION 2. Covenants. Section 11 of the Existing Repurchase Agreement is hereby amended by:

   

  2.1       (i) deleting the “and” at the end of subsection (c)(i)(D); and (ii) adding the following new subsection (c)(i)(E):

   

  (E) (1) entering into any settlement with any third party, including, without limitation, a Governmental Authority, or (2) the issuance of a consent
    order by any Governmental Authority, in which in the case of clauses (1) or (2), the fines, penalties, settlement amounts or any other amounts, individually or in the aggregate, owed by the Seller Party thereunder exceeds the Settlement Threshold in
    the twelve (12) month period preceding the Termination Date; and

   

  2.2       adding the following new subsection (ee) at the end thereof:

   

  (ee)     Beneficial Ownership Certification. Seller shall at all times either (i) ensure that the Seller has delivered to Buyer a Beneficial
    Ownership Certification, if applicable, and that the information contained therein is true and correct in all respects or (ii) deliver to Buyer an updated Beneficial Ownership Certification within five (5) Business Days following the date on which the
    information contained in any previously delivered Beneficial Ownership Certification ceases to be true and correct in all respects. To the extent Seller believes that it is excluded from the requirements of the Beneficial Ownership Regulation, Seller
    shall certify as such and provide the specific exclusion relied on.

   

  SECTION 3. Notices and Other Communications. Section 23 of the Existing Repurchase Agreement is hereby amended by deleting Buyer’s and Seller’s
    notice information in their entirety and replacing them with the following:

   

  If to Buyer:

   

  UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York

  1285 Avenue of the Americas

  New York, NY 10019

   

  
  
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  Attention: [***]

  Telephone: [***]

  Facsimile: [***]

  Email: [***]

   

  With a copy to:

   

  Chad Eisenberger

  Executive Director & Counsel

  UBS Business Solutions LLC

    1285 Avenue of the Americas

  New York, NY 10019

  Telephone: [***]

  Email: [***]

   

  And:

   

  [***]

   

  If to Seller:

   

  Home Point Financial Corporation

  2211 Old Earhart Road, Suite 250

  Ann Arbor, MI 48105

  Attention: [***]

  Telephone: [***]

  Email: [***]

   

  With a copy to:

   

  Home Point Financial Corporation

    2211 Old Earhart Road, Suite 250

    Ann Arbor, MI 48105

  Attention: Chief Legal Officer

    Email: [***]

   

  SECTION 4. General Interpretive Principles. Section 35 of the Existing Repurchase Agreement is hereby amended by deleting the reference to
    Section 5-102(7) and replacing it with a reference to Section l-201(b)(20).

   

  SECTION 5. Representations and Warranties. Schedule 1 to the Existing Repurchase Agreement is hereby amended by:

   

  5.1      deleting paragraphs (b), (c), (e), (f), (g), (h), (j), (t), (w), (dd), (kk), (ggg) and (ttt) in their entirety and replacing them with the
    following:

   

  
  
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  (b)       Payments Current. No payment required under the Mortgage Loan is thirty (30) days or more delinquent nor has any payment under the
    Mortgage Loan (other than a Ginnie Mae Modified Loan) been thirty (30) days or more delinquent at any time since the origination of the Mortgage Loan; and, if the Mortgage Loan is a Co-op Loan, no foreclosure action or private or public sale under the
    Uniform Commercial Code has ever to the knowledge of Seller, been threatened or commenced with respect to the Co-op Loan.

   

  (c)       Origination Date. Unless otherwise approved by Buyer and other than with respect to a Ginnie Mae Modified Loan, the initial Purchase
    Date is no more than (i) with respect to Mortgage Loans other than Correspondent Mortgage Loans in non-escrow states, thirty (30) days following the origination date of the Mortgage Note; (ii) with respect to Mortgage Loans other than Correspondent
    Mortgage Loans in escrow states, forty-five (45) days following the origination date of the Mortgage Note and (iii) with respect to Correspondent Mortgage Loans, sixty (60) days following the origination date of the Mortgage Note.

   

  (e)       No Outstanding Charges. Other than with respect to a Ginnie Mae Modified Loan, there are no defaults in complying with the terms of the
    Mortgage, and all taxes, governmental assessments, insurance premiums, water, sewer and municipal charges, leasehold payments or ground rents which previously became due and owing have been paid, or an escrow of funds has been established in an amount
    sufficient to pay for every such item which remains unpaid and which has been assessed but is not yet due and payable. Other than with respect to a Ginnie Mae Modified Loan, Seller has not advanced funds, or induced, solicited or knowingly received any
    advance of funds by a party other than the Mortgagor, directly or indirectly, for the payment of any amount required under the Mortgage Loan, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan
    proceeds, whichever is earlier, to the day which precedes by one month the Due Date of the first installment of principal and interest.

   

  (f)       Original Terms Unmodified. Other than with respect to a Ginnie Mae Modified Loan, the terms of the Mortgage Note (and the Proprietary
    Lease, the Assignment of Proprietary Lease and Stock Power with respect to each Co-op Loan) 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 the Custodian or to such other Person as Buyer shall designate in writing, and the terms of which are reflected in the Mortgage Loan Schedule. The substance of
    any such waiver, alteration or modification has been approved by the issuer of any related PMI Policy and the title insurer, if any, to the extent required by the policy, and its terms are reflected on the Mortgage Loan Schedule, if applicable. No
    Mortgagor has been released, in whole or in part, except in connection with an assumption agreement, approved by the issuer of any related PMI Policy and the issuer of the title insurer, to the extent required by the policy, and which assumption
    agreement is part of the Mortgage File delivered to the Custodian or to such other Person as Buyer shall designate in writing and the terms of which are reflected in the Mortgage Loan Schedule. Each Ginnie Mae Modified Loan has been modified in
    accordance with the Ginnie Mae guide.

   

  (g)       No Defenses. The Mortgage Loan (and the Assignment of Proprietary Lease related to each Co-op Loan) is not subject to any right of
    rescission, set-off, counterclaim

   

  
  
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  or defense, including without limitation the defense of usury, nor will the operation of any of the terms of the Mortgage Note or the Mortgage or with respect to a Ginnie
    Mae Modified Loan, the terms of the Modification Agreement, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage or with respect to a Ginnie Mae Modified Loan, the Modification Agreement unenforceable, in whole or in
    part, or subject to any right of rescission, set-off, counterclaim or defense, including without limitation the defense of usury, and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto, and no Mortgagor
    was a debtor in any state or federal bankruptcy or insolvency proceeding at, or subsequent to, the time the Mortgage Loan was originated or with respect to a Ginnie Mae Modified Loan, at the time the Modification Agreement was entered into.

   

  (h)       Hazard Insurance. Pursuant to the terms of the Mortgage, all buildings or other improvements upon the Mortgaged Property are insured by
    a generally acceptable insurer against loss by fire, hazards of extended coverage and such other hazards as are provided for in the Fannie Mae guides or by Freddie Mac, as well as all additional requirements set forth in the Approved Underwriting
    Guidelines. If required by the National Flood Insurance Act of 1968, as amended, and the Flood Disaster Protection Act of 1973, as amended, each Mortgage Loan is covered by a flood insurance policy meeting the requirements of the current guidelines of
    the Federal Insurance Administration as in effect which policy conforms to Fannie Mae and Freddie Mac, as well as all additional requirements set forth in the Servicing Agreement. All individual insurance policies contain a standard mortgagee clause
    naming Seller and its successors and assigns as mortgagee, and all premiums thereon have been paid and such policies may not be reduced, terminated or cancelled without thirty (30) days’ prior written notice to the mortgagee. The Mortgage obligates the
    Mortgagor thereunder to maintain the hazard insurance policy at the Mortgagor’s cost and expense, and on the Mortgagor’s failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at such Mortgagor’s cost and expense,
    and to seek reimbursement therefor from the Mortgagor. Where required by state law or regulation, the Mortgagor has been given an opportunity to choose the carrier of the required hazard insurance, provided the policy is not a “master” or “blanket”
    hazard insurance policy covering a condominium, or any hazard insurance policy covering the common facilities of a planned unit development. The hazard insurance policy is the valid and binding obligation of the insurer, is in full force and effect,
    and will be in full force and effect and inure to the benefit of Buyer upon the consummation of the transactions contemplated by this Agreement. Seller has not engaged in, and has no knowledge of the Mortgagor’s or any servicer’s having engaged in, any
    act or omission which would impair the coverage of any such policy, the benefits of the endorsement provided for herein, or the validity and binding effect of such policy, including, without limitation, no unlawful fee, commission, kickback or other
    unlawful compensation or value of any kind has been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have been received, retained or realized by Seller.

   

  (j)      No Satisfaction of Mortgage. The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or, other than with
    respect to a Ginnie Mae Modified Loan, in part, and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or, other than with respect to a Ginnie Mae Modified Loan, in part, nor has any instrument been executed that would
    affect any such release, cancellation, subordination or rescission. Other than with respect to a Ginnie Mae Modified Loan, Seller has not waived the performance by the Mortgagor of any action, if the Mortgagor’s failure to perform such action

   

  
  
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  would cause the Mortgage Loan to be in default, nor has Seller waived any default resulting from any action or inaction by the Mortgagor.

   

  (t)       No Defaults. Other than payments due but not yet thirty (30) days or more delinquent, there is no default, breach, violation or event
    which would permit acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event which
    would permit acceleration, and neither Seller nor any of its affiliates nor any of their respective predecessors, have waived any default, breach, violation or event which would permit acceleration other than with respect to a Ginnie Mae Modified Loan
    in accordance with the Ginnie Mae guide and the Modification Agreement; and with respect to each Co-op Loan, there is no default in complying with the terms of the Mortgage Note, the Assignment of Proprietary Lease and the Proprietary Lease and all
    maintenance charges and assessments (including assessments payable in the future installments, which previously became due and owing) have been paid, and Seller has the right under the terms of the Mortgage Note, Assignment of Proprietary Lease and
    Recognition Agreement to pay any maintenance charges or assessments owed by the Mortgagor.

   

  (w)      Origination; Payment Terms. Except with respect to a Correspondent Mortgage Loan, the Mortgage Loan was originated by Seller. Seller is
    a mortgagee approved by the Secretary of Housing and Urban Development pursuant to Sections 203 and 211 of the National Housing Act, a savings and loan association, a savings bank, a commercial bank, credit union, insurance company or other similar
    institution which is supervised and examined by a federal or state authority. The documents, instruments and agreements submitted for loan underwriting were not falsified and contain no untrue statement of material fact or omit to state a material fact
    required to be stated therein or necessary to make the information and statements therein not misleading. No Mortgage Loan contains terms or provisions which would result in negative amortization. Principal payments on the Mortgage Loan that is not a
    Ginnie Mae Modified Loan commenced no more than sixty (60) days after funds were disbursed in connection with the Mortgage Loan. The mortgage interest rate as well as the lifetime rate cap and the periodic cap are as set forth on the Mortgage Loan
    Schedule. The Mortgage Note is payable in equal monthly installments of principal and interest, which installments of interest, with respect to adjustable rate Mortgage Loans, are subject to change due to the adjustments to the mortgage interest rate
    on each interest rate adjustment date, with interest calculated and payable in arrears, sufficient to amortize the Mortgage Loan fully by the stated maturity date, over an original term of not more than thirty (30) years from commencement of
    amortization. Unless otherwise specified, the Mortgage Loan is payable on the first (1st) day of each month. There are no Mortgage Loans which contain a provision allowing the Mortgagor to convert the Mortgage Note from an adjustable interest rate
    Mortgage Note to a fixed interest rate Mortgage Note.

   

  (dd)    Delivery of Mortgage Documents. The Mortgage Note, the Mortgage, the Assignment of Mortgage and any other documents required to be
    delivered under the Custodial Agreement for each Mortgage Loan have been delivered to the Custodian, including, the Modification Agreement with respect to a Ginnie Mae Modified Loan. Seller is in possession of a complete, true and accurate Mortgage
    File, except for such documents the originals of which have been delivered to the Custodian.

   

  
  
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  (kk)     Mortgaged Property Undamaged; No Condemnation Proceedings. There is no proceeding pending or threatened for the total or partial
    condemnation of the Mortgaged Property. Other than with respect to a Ginnie Mae Modified Loan, the Mortgaged Property is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty so as to affect adversely the
    value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended and each Mortgaged Property is in good repair.

   

  (ggg)  Recordation. Each original Mortgage was recorded and, except for those Mortgage Loans subject to the MERS identification system, all
    subsequent assignments of the original Mortgage (other than the assignment to Buyer) have been recorded in the appropriate jurisdictions wherein such recordation is necessary to perfect the lien thereof as against creditors of Seller, or is in the
    process of being recorded. With respect to each Ginnie Mae Modified Loan, the related Modification Agreement has been recorded or has been sent for recordation.

   

  (ttt)    Prior Financing. Other than with respect to a Correspondent Mortgage Loan or a Ginnie Mae Modified Loan and unless otherwise agreed to
    by Buyer, no Mortgage Loan has been subject to any other repurchase agreement or credit facility prior to the initial Purchase Date of such Mortgage Loan.

   

  5.2      adding the following new paragraphs (aaaa) and (bbbb) at the end thereof:

   

  (aaaa) Ginnie Mae Modified Loan. Each Ginnie Mae Modified Loan (i) was modified in accordance with the Ginnie Mae guide; (ii) with respect to
    (x) a FHA Loan, is fully insured by the FHA pursuant to a FHA Mortgage Insurance Certificate; (y) a VA Loan, is guaranteed by the VA pursuant to a VA Loan Guaranty Agreement and (z) a RD Loan, is guaranteed by the RD pursuant to a RD Loan Guaranty
    Agreement and (iii) conforms to the requirements of Ginnie Mae for securitization.

   

  (bbbb) FHA Loans, VA Loans and RD Loans. With respect to each FHA Loan, VA Loan and RD Loan, as applicable, (i) the FHA Mortgage Insurance
    Certificate is in full force and effect, there exists no impairment to full recovery, the VA Loan Guaranty Agreement is in full force and effect to the maximum extent stated therein and there exists no impairment to full recovery thereunder and the RD
    Loan Guaranty Agreement is in full force and effect to the maximum extent stated therein and there exists no impairment to full recovery thereunder, (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 RD, as applicable, to the full extent thereof, without surcharge, set-off or defense, (iii) such FHA Loan is insured, or eligible to be insured,
    pursuant to the National Housing Act and such VA Loan 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 Mortgage Insurance Certificate, VA
    Loan Guaranty Agreement and RD Loan Guaranty Agreement, as applicable, 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 Mortgage
    Loan and (v) Seller has no knowledge of any

   

  
  
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  circumstance which would cause such FHA Loan to be ineligible for FHA mortgage insurance, such VA Loan to be ineligible for a VA loan guaranty, such RD Loan to be
    ineligible for a RD loan guaranty or cause the FHA, the VA or RD to deny or reject the related Mortgagor’s application for FHA mortgage insurance, a VA loan guaranty or RD loan guaranty, as applicable.

   

  SECTION 6. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to
    the satisfaction of the following conditions precedent:

   

  6.1      Delivered Documents. On the Amendment Effective Date, the Buyer shall have received the following documents, each of which shall be
    satisfactory to the Buyer in form and substance:

   

  (a)       this Amendment, executed and delivered by the Buyer and Seller;

   

  (b)       Amendment No. 24 to Pricing Letter, executed and delivered by the Buyer and Seller; and

   

  (c)       such other documents as the Buyer or counsel to the Buyer may reasonably request.

   

  SECTION 7. Ratification of Agreement. As amended by this Amendment, the Existing Repurchase Agreement is in all respects ratified and confirmed
    and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 8. Representations and Warranties. The Seller hereby represents and warrants to the Buyer that it is in compliance with all the terms
    and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in
    Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and binding obligation, enforceable against it in accordance
    with its terms.

   

  SECTION 9. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be,
    and shall remain, in full force and effect in accordance with its terms.

   

  SECTION 10. 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 11. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall constitute one and the
    same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted
    between them by email and/or by facsimile. Delivery of

   

  
  
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  an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed
    original counterpart of this Amendment. The original documents shall be promptly delivered, if requested.

   

  SECTION 12. Binding Effect. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors
    and assigns.

   

  SECTION 13. GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP
      OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK,
      WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS,
      VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

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

   

  	 	UBS AG, BY AND THROUGH ITS BRANCH OFFICE AT 1285 AVENUE OF THE AMERICAS, NEW YORK, NEW YORK, as Buyer
	 	 
	 	By:	/s/ Gary Timmerman
	 	 	Name: Gary Timmerman
	 	 	Title: Managing Director
	 	 	 
	 	By:	/s/ Chi Ma
	 	 	Name: Chi Ma
	 	 	Title: Director

   

  Signature Page to Amendment No. 9 to Master Repurchase Agreement

   

  
  
     

  

  
     

  

  
   

  	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 	 
	 	By:	/s/ Courtney Tereszcuk
	 	 	Name: Courtney Tereszcuk
	 	 	Title: Treasurer

   

  Signature Page to Amendment No. 9 to Master Repurchase AgreementExhibit 10.6.10

   

  EXECUTION

   

  AMENDMENT NO. 10 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 10 to Master
    Repurchase Agreement, dated as of February 25, 2019 (this “Amendment”), between UBS AG, by and through its branch
    office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION
    (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller
    are parties to (a) that certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated
    as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment
    No. 4, dated as of January 5, 2017, Amendment No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9, 2017,
    Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018 and Amendment No. 9, dated as of October 19,
    2018, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase
      Agreement”) and (b) that certain Pricing Letter, dated as of October 28, 2015 (as amended, restated, supplemented or
    otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined
    herein shall have the meanings given to them in the Existing Repurchase Agreement and Pricing Letter, as applicable.

   

  The Buyer and the Seller
    have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect
    certain agreed upon revisions to the terms of the Existing Repurchase Agreement.

   

  Accordingly, the Buyer and
    the Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase
    Agreement is hereby amended as follows:

   

  SECTION 1. Definitions.
    Section 2 of the Existing Repurchase Agreement is hereby amended by deleting the definition of “Wet Loan” in
    its entirety and replacing it with the following:

   

  “Wet Loan”
    shall mean a Mortgage Loan (a) which Seller is selling to Buyer simultaneously with the origination thereof or (b) that is a Correspondent
    Mortgage Loan, for which the Mortgage File has been delivered to Custodian but a Trust Receipt and a Custodial Loan Transmission
    has not been delivered to Buyer in accordance with the terms of the Custodial Agreement.

   

  SECTION 2. Covenants.
    Section 11 of the Existing Repurchase Agreement is hereby amended by:

   

  2.1       adding
    the following new subsection (ff) at the end thereof:

   

  (ff)      Mortgage File
      for Correspondent Mortgage Loans. With respect to each Correspondent Mortgage Loan that is a Wet Mortgage Loan, as of the related
    Purchase Date, the Mortgage File for such Correspondent Mortgage Loan is held by the Custodian, on behalf of Seller, pursuant to
    the terms of a separate custodial agreement between Seller and Custodian;

   

  
  
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  provided that the Custodian shall issue a Trust
    Receipt and a Custodial Loan Transmission to Buyer in accordance with the terms of the Custodial Agreement.

   

  2.2       adding
    the following new subsection (gg) at the end thereof:

   

  (gg)     Correspondent
      Mortgage Loans. With respect to each Correspondent Mortgage Loan that is a Wet Mortgage Loan, Seller shall provide Buyer (i) with wiring instructions
    of the related warehouse bank from whom the Seller and Buyer are purchasing such Correspondent Mortgage Loan; or (ii) with
    wiring instructions of the related correspondent originator and, if requested by Buyer, a security interest release executed
    by such correspondent originator in form and substance acceptable to Buyer.

   

  SECTION 3. Conditions
      Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”),
    subject to the satisfaction of the following conditions precedent:

   

  3.1       Delivered
      Documents. On the Amendment Effective Date, the Buyer shall have received the following documents, each of which shall be satisfactory
    to the Buyer in form and substance:

   

  (a)       this
    Amendment, executed and delivered by the Buyer and Seller; and

   

  (b)       such
    other documents as the Buyer or counsel to the Buyer may reasonably request.

   

  SECTION 4. Ratification
      of Agreement. As amended by this Amendment, the Existing Repurchase Agreement is in all respects ratified and confirmed and
    the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 5. Representations
      and Warranties. The Seller hereby represents and warrants to the Buyer that it is in compliance with all the terms and provisions set forth
    in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred
    or is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 10 of the Repurchase
    Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered
    by it, and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms.

   

  SECTION 6. Limited Effect.
    Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain,
    in full force and effect in accordance with its terms.

   

  SECTION 7. 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.

   

  
  
    	 	2	 

  

  
     

  

  
   

  SECTION 8. Counterparts.
    This Amendment may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument,
    and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment,
    any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted between them by email and/or
    by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by
    facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. The original documents
    shall be promptly delivered, if requested.

   

  SECTION 9. Binding Effect.
    This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

   

  SECTION 10. GOVERNING
        LAW. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE
      PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT
      SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD
      TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS
      LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF
      ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION
      BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

  
  
    	 	3	 

  

  
     

  

  
   

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

   

  	 	UBS AG, BY AND THROUGH ITS BRANCH OFFICE AT 1285 AVENUE OF THE AMERICAS, NEW YORK, NEW YORK, as Buyer
	 	 	 
	 	By:	/s/ Ari Lash
	 	 	Name: Ari Lash
	 	 	Title: Executive Director
	 	 	 
	 	By:	/s/ Chi Ma
	 	 	Name: Chi Ma
	 	 	Title: Director

   

  Signature Page to Amendment No. 10 to Master
    Repurchase Agreement

   

  
  
     

  

  
     

  

  
   

  	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 	 	 
	 	By:	/s/ Courtney Tereszcuk
	 	 	Name: Courtney Tereszcuk
	 	 	Title: Managing Director - Treasurer

   

  Signature Page to Amendment No. 10 to Master
    Repurchase Agreement

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