Document:

EX-10.62

 Exhibit 10.62 

EXECUTION COPY 
 AMENDMENT
NUMBER NINE 
 to the 
 MASTER
REPURCHASE AGREEMENT 
 Dated as of May 31, 2013, as Amended and Restated to and Including June 17, 2016 

among 
 CALIBER HOME LOANS, INC.,

 MORGAN STANLEY BANK. N.A. 
 and

 MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC 

This AMENDMENT NUMBER NINE (this “Amendment Number Nine”) is made this
22nd day of November, 2019, among CALIBER HOME LOANS, INC., a Delaware corporation (“Seller”), MORGAN STANLEY BANK, N.A., a national banking association, as buyer
(“Buyer”) and MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC, a New York limited liability company, as agent for Buyer (“Agent”), to the Master Repurchase Agreement, dated as of May 31, 2013, as Amended and
Restated to and including June 17, 2016, among Seller, Buyer and Agent, as such agreement may be amended from time to time (the “Agreement”). Capitalized terms used but not otherwise defined herein shall have the meanings
assigned to such terms in the Agreement. 
 RECITALS 

WHEREAS, Seller, Buyer and Agent have agreed to amend the Agreement, as more specifically set forth herein; and 

WHEREAS, as of the date hereof, Seller represents to Buyer and Agent that Seller is in full compliance with all of the terms and conditions of
the Agreement and each other Repurchase Document and no Default or Event of Default has occurred and is continuing under the Agreement or any other Repurchase Document. 

NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and for the mutual covenants
herein contained, the parties hereto hereby agree as follows: 
 SECTION 1. Amendment. Effective as of November 22, 2019 (the
“Amendment Effective Date”), 
 (a) The definition of VA Renovation Loan in Section 1.01 of the
Agreement is hereby amended to read in its entirety as follows: 
 “VA Renovation Loan” shall mean a VA Loan
the purpose of which is made to purchase or refinance and repair or renovate a Mortgaged Property and such Loan complies with the VA Regulations including without limitation the “Loan for Alteration and Repair” guidelines. 

(b) Section 2.05(b) of the Agreement is hereby amended to read in its entirety as follows: 

(b) The Seller hereby promises to pay to the Buyer, Price Differential on the unpaid Purchase Price (and any unpaid fees,
expenses and indemnity claims) of each Transaction for the period from and including the Purchase Date of such Transaction to but excluding the Termination Date of such Transaction, at a rate per annum equal to the Pricing Rate; provided, that in no
event shall such rate per annum exceed the maximum 

 
rate permitted by law. Notwithstanding the foregoing, the Seller hereby promises to pay to the Buyer, interest at the applicable Post-Default Rate on any Repurchase Price and on any other amount
payable by the Seller hereunder that shall not be paid in full when due (whether at stated maturity, by acceleration or by mandatory prepayment or otherwise) for the period from and including the due date thereof to but excluding the date the same
is paid in full. Accrued Price Differential on each Transaction shall be payable monthly on the Payment Date each month and for the last month of the Repurchase Agreement on the Payment Date of such last month and on the Termination Date, in each
case, based on the Price Differential accrued in the prior Calculation Period; provided, that the Buyer may, in its sole discretion, require accrued Price Differential to be paid simultaneously with any prepayment of Repurchase Price that is made by
the Seller on a day other than the Termination Date. Interest payable at the Post-Default Rate shall accrue daily and shall be payable upon such accrual. Promptly after the determination of any interest rate provided for herein or any change
therein, the Buyer (or the Agent on behalf of the Buyer) shall give notice thereof to the Seller. 
 (c) Section 7.13 of
the Agreement is hereby amended to read in its entirety as follows: 
 7.13 Limitation on Distributions. The Seller
shall not declare or pay any dividends upon any shares of the Seller’s stock now or hereafter outstanding, nor shall the Seller set apart assets for, a sinking or other analogous fund for the purchase, redemption, defeasance, retirement or
other acquisition of any equity or partnership interest of the Seller, whether now or hereafter outstanding, or make any other distribution in respect of any of the foregoing or to any shareholder or equity owner of the Seller, either directly or
indirectly, whether in cash or property or in obligations of the Seller or any of the Seller’s consolidated Subsidiaries; provided that, prior to the occurrence of a Default or Event of Default, the Seller may make such a distribution if,
following such distribution, the Seller shall be in compliance with all of the terms and conditions of this Repurchase Agreement. 

(d) It is acknowledged and agreed that the amendments made pursuant to Section 1 (j), (k) and (l), respectively, of
Amendment Number Eight to the Agreement deleted and replaced sub-sections (f), (I) and (11), respectively, to Part 1 of Schedule 1 of the Agreement, not sub-section
(i) to Part 1 of Schedule 1 of the Agreement, as stated in such Amendment Number Eight, in each case. 
 SECTION 2.
Effectiveness. This Amendment Number Nine shall become effective as of the date that the Agent shall have received: 

(a) counterparts hereof duly executed by each of the parties hereto, and 

(b) counterparts of that certain Amendment Number Ten to the Pricing Side Letter, dated as of the date hereof, duly executed by
each of the parties thereto. 
 SECTION 3. Fees and Expenses. Seller agrees to pay to Buyer and Agent all reasonable out of pocket
costs and expenses incurred by Buyer or Agent in connection with this Amendment Number Nine (including all reasonable fees and out of pocket costs and expenses of Buyer’s or Agent’s legal counsel) in accordance with Sections 13.04 and
13.06 of the Agreement. 
 SECTION 4. Representations. Seller hereby represents to Buyer and Agent that as of the date hereof, Seller
is in full compliance with all of the terms and conditions of the Agreement and each other Repurchase Document and no Default or Event of Default has occurred and is continuing under the Agreement or any other Repurchase Document. 

  
 2 

 SECTION 5. Binding Effect; Governing Law. THIS AMENDMENT NUMBER NINE SHALL BE BINDING
AND INURE TO THE BENEFIT OF THE PARTIES HERETO AND THEIR RESPECTIVE SUCCESSORS AND PERMITTED ASSIGNS. THIS AMENDMENT NUMBER NINE SHALL BE CONSTRUED IN ACCORDANCE WITH, AND GOVERNED BY, THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE
CONFLICT OF LAWS PRINCIPLES THEREOF (EXCEPT FOR SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW WHICH SHALL GOVERN). 

SECTION 6. Counterparts. This Amendment Number Nine may be executed by each of the parties hereto on any number of separate
counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. The parties intend that faxed signatures and electronically imaged signatures such as .pdf files shall constitute original
signatures and are binding on all parties. 
 SECTION 7. Limited Effect. Except as amended hereby, the Agreement shall continue in
full force and effect in accordance with its terms. Reference to this Amendment Number Nine need not be made in the Agreement or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued
or made pursuant to, or with respect to, the Agreement, any reference in any of such items to the Agreement being sufficient to refer to the Agreement as amended hereby. 

[Signature Page Follows] 

  
 3 

 IN WITNESS WHEREOF, Seller, Buyer and Agent have caused this Amendment Number Nine to be
executed and delivered by their duly authorized officers as of the Amendment Effective Date. 
  

					
	CALIBER HOME LOANS, INC.,
	(Seller)	 	
		
	By:	 	 /s/ Vasif T. Imtiazi

	Name:	 	VASIF T. IMTIAZI
	Title:	 	DEPUTY CFO, EVP
	
	MORGAN STANLEY BANK, N.A.
	(Buyer)	 	
		
	By:	 	 /s/ Christopher Schmidt

	Name:	 	Christopher Schmidt
	Title:	 	Authorized Signatory
	
	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC
	(Agent)	 	
		
	By:	 	 /s/ Darius Houseal

	Name:	 	Darius Houseal
	Title:	 	Authorized Signatory

 Amendment Number Nine to MRAEX-10.63

 Exhibit 10.63 

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 COPY 

AMENDMENT NUMBER TEN 
 to the 

MASTER REPURCHASE AGREEMENT 
 Dated
as of May 31, 2013, as Amended and Restated to and Including June 17, 2016 
 among 

CALIBER HOME LOANS, INC., 
 MORGAN
STANLEY BANK. N.A. 
 and 
 MORGAN
STANLEY MORTGAGE CAPITAL HOLDINGS LLC 
 This AMENDMENT NUMBER TEN (this “Amendment Number Ten”) is made this 30th day of June, 2020, among CALIBER HOME LOANS, INC., a Delaware corporation (“Seller”), MORGAN STANLEY BANK, N.A., a national banking association, as buyer (“Buyer”)
and MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC, a New York limited liability company, as agent for Buyer (“Agent”), to the Master Repurchase Agreement, dated as of May 31, 2013, as Amended and Restated to and including
June 17, 2016, among Seller, Buyer and Agent, as such agreement may be amended from time to time (the “Agreement”). Capitalized terms used but not otherwise defined herein shall have the meanings assigned to such terms in the
Agreement. 
 RECITALS 

WHEREAS, Seller, Buyer and Agent have agreed to amend the Agreement, as more specifically set forth herein; and 

WHEREAS, as of the date hereof, Seller represents to Buyer and Agent that Seller is in full compliance with all of the terms and conditions of
the Agreement and each other Repurchase Document and no Default or Event of Default has occurred and is continuing under the Agreement or any other Repurchase Document. 

NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and for the mutual covenants
herein contained, the parties hereto hereby agree as follows: 
 SECTION 1. Amendments. Effective as of June 30, 2020 (the
“Amendment Effective Date”), 
 (a) The definition of LIBOR Base Rate in Section 1.01 of the Agreement
is hereby amended to read in its entirety as follows: 
 “LIBOR Base Rate” shall mean, with respect to each
day any Transaction is outstanding, the rate per annum equal to the greater of (a) [***], and (b) the rate appearing on Reuters Screen LIBOR01 Page as one-month LIBOR on such date (and if such date is not a Business Day, the rate quoted as
one-month LIBOR on the Business Day immediately preceding such date), and if such rate shall not be so quoted, the rate per annum at which the Buyer is offered Dollar deposits at or about 10:00 A.M., New York City time, on such date by prime banks
in the interbank eurodollar market where the eurodollar and foreign currency exchange operations in respect of the Transactions are then being conducted for delivery on such day for a period of thirty (30) days and in an amount comparable to
the aggregate Purchase Price of all Transactions outstanding on such day. 

 (b) The definition of Termination Date in Section 1.01 of the Agreement
is hereby amended to read in its entirety as follows: 
 “Termination Date” shall mean June 29, 2021 or
such earlier date on which this Repurchase Agreement shall terminate in accordance with the provisions hereof or by operation of law. 

(c) Section 4.06 of the Agreement is hereby amended to read in its entirety as follows: 

4.06 Proceeds. If a Default shall occur and be continuing, (a) the Seller shall provide notice to the Buyer and,
unless the Buyer provides written notice that the following actions shall not be required, all Income and other proceeds of Purchased Items received by the Seller consisting of cash, checks and other near-cash items shall be held by the Seller in
trust for the Buyer, segregated from other funds of the Seller, and shall forthwith upon receipt by the Seller be turned over to the Buyer in the exact form received by the Seller (duly endorsed by the Seller to the Buyer, if required), and
(b) any and all such proceeds received by the Buyer (whether from the Seller or otherwise) may, in the sole discretion of the Buyer, be held by the Buyer as collateral security for, and/or then or at any time thereafter may be applied by the
Buyer against, the Repurchase Obligations (whether matured or unmatured), such application to be in such order as the Buyer shall elect. Any balance of such proceeds remaining after the Repurchase Obligations shall have been paid in full and this
Repurchase Agreement shall have been terminated shall be paid over to the Seller or to whomsoever may be lawfully entitled to receive the same. For purposes hereof, proceeds shall include, but not be limited to, all principal and interest payments,
all prepayments and payoffs, insurance claims, condemnation awards, sale proceeds, real estate owned rents and any other income and all other amounts received with respect to the Purchased Items. 

(d) Schedule 6 to the Agreement is hereby amended by deleting the language set forth next to the Field Name “Index”
under the column labeled Field Description and replacing with the following language: 
 (1 month libor, 3 month libor, 6
month libor, 30-Day SOFR, 1-Year SOFR, Fixed) 

(e) Section 13.28(a)(ii) of the Agreement is hereby amended to read in its entirety as follows: 

(ii) upon prior written notice to the Buyer and the Agent (or the Buyer or the Agent, as the case may be), disclosure required
by law, rule, regulation or order of a court or other regulatory body or disclosure as may be required by Fannie Mae, Freddie Mac, Ginnie Mae (provided that the Pricing Side Letter and the financial covenants set forth in this Agreement may not be
disclosed to Fannie Mae, Freddie Mac or Ginnie Mae), or 
 SECTION 2. Effectiveness. This Amendment Number Ten shall become effective
as of the date that the Agent shall have received: 
 (a) counterparts hereof duly executed by each of the parties hereto,
and 
 (b) counterparts of that certain Amendment Number Twelve to the Pricing Side Letter, dated as of the date hereof, duly
executed by each of the parties thereto. 

  
 2 

 SECTION 3. Fees and Expenses. Seller agrees to pay to Buyer and Agent all reasonable
out of pocket costs and expenses incurred by Buyer or Agent in connection with this Amendment Number Ten (including all reasonable fees and out of pocket costs and expenses of Buyer’s or Agent’s legal counsel) in accordance with Sections
13.04 and 13.06 of the Agreement. 
 SECTION 4. Representations. Seller hereby represents to Buyer and Agent that as of the date
hereof, Seller is in full compliance with all of the terms and conditions of the Agreement and each other Repurchase Document and no Default or Event of Default has occurred and is continuing under the Agreement or any other Repurchase Document.

 SECTION 5. Binding Effect; Governing Law. THIS AMENDMENT NUMBER TEN SHALL BE BINDING AND INURE TO THE BENEFIT OF THE PARTIES
HERETO AND THEIR RESPECTIVE SUCCESSORS AND PERMITTED ASSIGNS. THIS AMENDMENT NUMBER TEN SHALL BE CONSTRUED IN ACCORDANCE WITH, AND GOVERNED BY, THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS PRINCIPLES THEREOF
(EXCEPT FOR SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW WHICH SHALL GOVERN). 

SECTION 6. Counterparts. This Amendment Number Ten may be executed by each of the parties hereto on any number of separate
counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. The parties intend that faxed signatures and electronically imaged signatures such as .pdf files shall constitute original
signatures and are binding on all parties. 
 SECTION 7. Limited Effect. Except as amended hereby, the Agreement shall continue in
full force and effect in accordance with its terms. Reference to this Amendment Number Ten need not be made in the Agreement or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued
or made pursuant to, or with respect to, the Agreement, any reference in any of such items to the Agreement being sufficient to refer to the Agreement as amended hereby. 

[Signature Page Follows] 

  
 3 

 IN WITNESS WHEREOF, Seller, Buyer and Agent have caused this Amendment Number Ten to be
executed and delivered by their duly authorized officers as of the Amendment Effective Date. 
  

			
	CALIBER HOME LOANS, INC.,
	(Seller)
	By:	 	 /s/ William Dellal

	Name:	 	William Dellal
	Title:	 	President
	
	MORGAN STANLEY BANK, N.A.
	(Buyer)
	By:	 	 /s/ Michael A. Calandra, Jr.

	Name:	 	Michael A. Calandra, Jr.
	Title:	 	Authorized Signatory
	
	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC
	(Agent)
	By:	 	 /s/ Christopher Schmidt

	Name:	 	Christopher Schmidt
	Title:	 	Authoriozed Signatory

 Amendment Number Ten to MRA

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