Document:

EXHIBIT 10.35

                                AMENDMENT NO. 18
                         TO MASTER REPURCHASE AGREEMENT

      Amendment No. 18, dated as of October 26, 2004 (this "Amendment"), between
CREDIT  SUISSE  FIRST  BOSTON  MORTGAGE  CAPITAL  LLC (the  "Buyer")  and UNITED
FINANCIAL MORTGAGE CORP. (the "Seller").

                                    RECITALS

      The Buyer and the Seller are  parties to that  certain  Master  Repurchase
Agreement,  dated as of August 29, 2001, as amended by Amendment No. 1, dated as
of August 28, 2002,  Amendment  No. 2, dated as of September 3, 2002,  Amendment
No. 3, dated as of September  26, 2002,  Amendment No. 4, dated as of October 1,
2002, Amendment No. 5, dated as of December 2, 2002, Amendment No. 6 dated as of
January 30, 2003,  Amendment No. 7, dated as of March 15, 2003, Amendment No. 8,
dated as of May 30, 2003,  Amendment No. 9, dated as of July 16, 2003, Amendment
No. 10,  dated as of July 23,  2003,  Amendment  No. 11,  dated as of August 27,
2003,  Amendment No. 12, dated as of December 16, 2003,  Amendment No. 13, dated
as of February 2, 2004,  Amendment No. 14, dated as of March 31, 2004, Amendment
No. 15, dated as of April 22, 2004,  Amendment  No. 16, dated as of May 11, 2004
and  Amendment  No. 17,  dated as of August 24, 2004 (the  "Existing  Repurchase
Agreement";   as  amended  by  this  Amendment,   the  "Repurchase  Agreement").
Capitalized  terms used but not otherwise defined herein shall have the meanings
given to them in the Existing Repurchase Agreement.

      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 premises and mutual  obligations set forth herein,  that the Existing
Repurchase  Agreement  is  hereby  amended  as  follows:  Section  1.  Temporary
Amendments.  For  purposes of this  Amendment,  this Section 1 will be effective
only  during the period  beginning  on October 26,  2004  through and  including
December 31, 2004 (the "Increased Maximum Aggregate Purchase Price Period"). 1.1
Definitions.

      (a) Section 2 of the Existing  Repurchase  Agreement is hereby temporarily
amended by deleting the definition of "Maximum  Aggregate Purchase Price" in its
entirety and replacing it with the following language,  which amendment shall be
effective solely during the Increased Maximum Aggregate Purchase Price Period:

      ""Maximum  Aggregate  Purchase  Price" means TWO HUNDRED  MILLION  DOLLARS
($200,000,000)."

<PAGE>

      Section 2. Conditions Precedent.  This Amendment shall become effective on
October 26, 2004 (the "Amendment  Effective Date"),  subject to the satisfaction
of the following conditions precedent:

      2.1 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 a duly authorized officer of
the Buyer and Seller;

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

      2.2 Payment of  Attorneys'  Fees.  On the Amendment  Effective  Date,  the
Seller shall have paid attorneys' fees to Buyer or its counsel either by payment
or by authorized  debit in connection  with this Amendment in an amount equal to
$750.

      Section 3.  Representations  and Warranties.  The Seller hereby represents
and  warrants  to the Buyer that they are in  compliance  with all the terms and
provisions set forth in the Repurchase Agreement on their part to be observed or
performed,  and that no Event of Default  has  occurred  or is  continuing,  and
hereby  confirm and reaffirm the  representations  and  warranties  contained in
Section 13 of the Repurchase Agreement.

      Section 4. 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 5.  Counterparts.  This  Amendment  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.

      Section  6.  GOVERNING  LAW.  THIS  AMENDMENT  SHALL BE  GOVERNED  BY, AND
CONSTRUED  IN  ACCORDANCE  WITH,  THE  LAWS OF THE  STATE  OF NEW  YORK  WITHOUT
REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF.

                            [SIGNATURE PAGE FOLLOWS]

                                     - 2 -
<PAGE>

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

Buyer:                          CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC,
                                as Buyer

                                By:_____________________________________________
                                   Name:
                                   Title:

Seller:                         UNITED FINANCIAL MORTGAGE CORP.,
                                as Seller

                                By:_____________________________________________
                                   Name:
                                   Title:EXHIBIT 10.36

                               AMENDMENT NO. 7 TO
           EARLY PURCHASE PROGRAM ADDENDUM TO LOAN PURCHASE AGREEMENT

This  Amendment  No. 7 TO  EARLY  PURCHASE  PROGRAM  ADDENDUM  TO LOAN  PURCHASE
AGREEMENT (the  "Amendment")  is made and entered into as of November 8, 2004 by
and between  Countrywide Home Loans, Inc.  ("Countrywide")  and United Financial
Mortgage,  Corp.  ("Seller").  This Amendment amends that certain Early Purchase
Program  Addendum to Loan  Purchase  Agreement  by and between  Countrywide  and
Seller dated as of April 23, 2003 (the "EPP Addendum"),  which such EPP Addendum
supplements that certain Loan Purchase Agreement by and between  Countrywide and
Seller dated as of February 7, 2001 (including all the Commitments,  Amendments,
Addenda, Assignments of Trade and Assignments thereto,  collectively,  the "Loan
Purchase Agreement").

                                 R E C I T A L S

      Countrywide  and Seller  have  previously  entered  into the EPP  Addendum
      pursuant to which Seller may sell certain  loans to  Countrywide  prior to
      delivery of certain mortgage loan documents. Countrywide and Seller hereby
      agree that the EPP Addendum shall be amended as provided herein.

In consideration of the mutual promises contained herein, and for other good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, Countrywide and Seller hereby agree as follows:

1.    Exhibit A - EPP Loans.  Countrywide and Seller agree that Exhibit A of the
      EPP Addendum shall be amended to add new The PayOption  ARM's Loan Product
      as follows:

<TABLE>
<CAPTION>
"
---------------------------------------------------------------------------------------------
                        Maximum
                     Percentage of
Loan Product or Type  Outstanding  SRP Enhancement  Initial Purchase   Requirements prior to
--------------------   Loan Limit      Percent       Price Percentage         purchase
                       ----------      -------       ----------------         --------
---------------------------------------------------------------------------------------------
<S>                       <C>            <C>             <C>                    <C>
PayOption ARM's           20%            N/A             100.000                None
---------------------------------------------------------------------------------------------
                                                                                            "
</TABLE>

2.    Exhibit J - Term Sheet for Early Purchase Program.  Countrywide and Seller
      agree that Exhibit J of the EPP Addendum Shall be amended as follows:

         "Fee:    Amount:
         ----     ------

         EPP      Loan Servicing Set-up Fee None for PayOption ARM's and HELOC's
                  only, All other loan types as applicable in the Servicing
                  Agreement entered into by Seller and Countrywide Home Loans
                  Servicing LP dated June 21, 2002."

3.    Exhibit A - EPP Loans.  Countrywide  and Seller  agree that the heading in
      Exhibit A for Jumbo Loan Product shall be amended to the following:

      "Jumbo (1st mortgages with loan amounts to $1,000,000)"

4.    Review Period - Section 7(A) -  Countrywide  and Seller agree to delete in
      its entirety Section 7(A) and replace it with the following:

      Review Period. Seller acknowledges that prior to Countrywide's purchase of
      EPP Loans under the Early Purchase  Program,  Countrywide will not have an
      opportunity to complete a full review of the mortgage  files,  information
      and documents relating to such EPP Loans. Accordingly,  Seller agrees that
      Countrywide  shall  have a period of up to forty five (45)  calendar  days
      commencing  on the closing date (the  "Review  Period") in which to review
      the mortgage file,  information and documents  related to each EPP Loan to
      determine  whether  the  related  EPP Loan  complies  with the  terms  and
      conditions of the Program  Agreements.  Countrywide  will use commercially
      reasonable  efforts  to  complete  its  review of each EPP Loan as soon as
      practicable. The Review Period will be deemed complete with respect to any
      EPP Loan upon Countrywide's  determination that the EPP Loan complies with
      all terms and conditions of the Program  Agreements  notwithstanding  that
      additional   time   may  be  left  in  the   applicable   Review   Period.
      Notwithstanding the foregoing,  the fact that Countrywide has conducted or
      has failed to conduct any partial or complete  examination of the mortgage
      file, information and/or documents related to an EPP Loan shall not affect
      Countrywide's  right to demand  repurchase or to avail itself of any other
      remedy  available  hereunder.  For all loans  types  other than  PayOption
      ARM's,  Countrywide's  Purchase Price for such Loan shall include a credit
      or debit  equal to the amount  which is the  annualized  rate equal to the
      difference between the note rate on a Loan and the SRP Enhancement Percent
      indicated  in  Exhibit  A plus  the one  month  LIBOR  rate on the  unpaid
      principal  balance of such loan (the "SRP  Enhancement").  PayOption ARM's
      shall not include an SRP Enhancement. The SRP Enhancement commences on the
      Purchase Date and ends on the completion of the Review Period.

<PAGE>

5.    No Other Amendments.  Other than as expressly modified and amended herein,
      the EPP Addendum and Loan  Purchase  Agreement  shall remain in full force
      and effect and  nothing  herein  shall  affect the rights and  remedies of
      Countrywide   as  provided  under  the  EPP  Addendum  and  Loan  Purchase
      Agreement.

6.    Capitalized  Terms.  Any  capitalized  term used herein and not  otherwise
      defined  herein  shall have the  meaning  ascribed to such term in the EPP
      Addendum or Loan Purchase Agreement, as applicable.

7.    Facsimiles.  Facsimile signatures shall be deemed valid and binding to the
      same extent as the original.

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

COUNTRYWIDE HOME LOANS, INC.               UNITED FINANCIAL MORTGAGE, CORP.

By:  _________________________             By:  __________________________
     Signature                                  Signature

Name:                                      Name:

Title:                                     Title:

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