Document:

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                                                                   EXHIBIT 10.19

                                      LEASE

                                     BETWEEN

                         UNITED FINANCIAL MORTGAGE CORP.

                                     TENANT

                                       AND

                             PLUM TREE NATIONAL, LTD

                                    LANDLORD

                                       FOR

                    815 COMMERCE DRIVE, OAK BROOK, ILLINOIS,

                                    PREMISES

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                                TABLE OF CONTENTS

<Table>
<S>       <C>                                                                                                   <C>
1.        TERM....................................................................................................1

2.        POSSESSION..............................................................................................1

3.        BASE RENT...............................................................................................1

4.        ADDITIONAL RENT.........................................................................................2

5.        USE OF PREMISES.........................................................................................2

6.        TENANT IMPROVEMENTS.....................................................................................2

7.        SERVICES................................................................................................3

          A.   List of Services...................................................................................3

          B.   Billing for Electricity............................................................................4

          C.   Interruption of Services...........................................................................5

          D.   Charges for Services...............................................................................5

8.        REPAIRS.................................................................................................5

9.        ADDITIONS AND ALTERATIONS...............................................................................6

10.       COVENANT AGAINST LIENS..................................................................................6

11.       INSURANCE...............................................................................................7

          A.   Waiver of Subrogation..............................................................................7

          B.   Coverage...........................................................................................7

          C.   Avoid Action Increasing Rates......................................................................8

12.       FIRE OR CASUALTY........................................................................................8

13.       WAIVER OF CLAIMS - INDEMNIFICATION......................................................................9

14.       NONWAIVER..............................................................................................10

15.       CONDEMNATION...........................................................................................10

16.       ASSIGNMENT AND SUBLETTING..............................................................................10

17.       OPTION TO RENEW........................................................................................11

18.       SURRENDER OF POSSESSION................................................................................12
</Table>

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<Table>
<S>       <C>                                                                                                   <C>
19.       HOLDING OVER...........................................................................................13

20.       ESTOPPEL CERTIFICATE...................................................................................13

21.       SUBORDINATION..........................................................................................13

22.       CERTAIN RIGHTS RESERVED BY LANDLORD....................................................................14

23.       RULES AND REGULATIONS..................................................................................15

24.       LANDLORD'S REMEDIES....................................................................................15

25.       EXPENSES OF ENFORCEMENT................................................................................17

26.       COVENANT OF QUIET ENJOYMENT............................................................................17

27.       REAL ESTATE BROKER.....................................................................................17

28.       MISCELLANEOUS..........................................................................................17

          A.   Rights Cumulative.................................................................................17

          B.   Interest..........................................................................................18

          C.   Terms.............................................................................................18

          D.   Binding Effect....................................................................................18

          E.   Lease Contains All Terms..........................................................................18

          F.   Delivery for Examination..........................................................................18

          G.   No Air Rights.....................................................................................18

          H.   Modification of Lease.............................................................................18

          I.   Substitution of Other Premises....................................................................19

          J.   Transfer of Landlord's Interest...................................................................19

          K.   Landlord's Title..................................................................................19

          L.   Captions..........................................................................................19

          M.   Covenants and Conditions..........................................................................19

          N.   Only Landlord/Tenant Relationship.................................................................19

          O.   Application of Payments...........................................................................19

          P.   Definition of "Landlord"..........................................................................20

29.       NOTICES................................................................................................20

30.       LIMITATION ON LANDLORD'S LIABILITY.....................................................................21
</Table>

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                                      LEASE
                               815 COMMERCE DRIVE
                               OAK BROOK, ILLINOIS

         AGREEMENT OF LEASE made as of this 6th day of November, 2002
(hereinafter referred to as the "Lease") between DUPAGE NATIONAL BANK, not
individually, but as trustee under Trust #1570 and PLUM TREE NATIONAL, LTD., an
Illinois corporation (hereinafter referred to as "Landlord") and UNITED
FINANCIAL MORTGAGE Illinois corporation, (hereinafter referred to as "Tenant"):

                                   WITNESSETH:

         Landlord hereby leases to Tenant, and Tenant hereby accepts the
Premises (hereinafter referred to as the "Premises") designated on the plan
attached hereto as Exhibit A and commonly described as 11,200 rentable square
feet on the southeast corner of the first floor in the Building known as 815
Commerce Drive (hereinafter referred to as the "Building"), in the Village of
Oak Brook, Illinois (hereinafter referred to together with all present and
future easements, additions, improvements and other rights appurtenant thereto,
as the "Land"), subject to the covenants, terms, provisions and conditions of
this Lease.

         In consideration thereof, Landlord and Tenant covenant and agree as
follows:

         1. TERM.

         The term of this Lease (hereinafter referred to as the "Term") shall be
for seven years and two months commencing on the 1st day of February, 2003
(hereinafter referred to as the "Commencement Date") and ending on the 31st day
of March, 2010 (hereinafter referred to as the "Termination Date"), unless
sooner terminated as provided herein.

         2. POSSESSION.

         Commencing December 1, 2002, Tenant shall have free access to the
Premises for the purpose of decorating or installing furniture, fixtures and
equipment.

         3. BASE RENT.

         Tenant shall pay to Landlord at Oak Brook, Illinois or at such other
place as Landlord may from time to time designate in writing in coin or currency
which at the time of payment is legal tender for private or public debts in the
United States of America, rent at the annual rate of One hundred forty five
thousand six hundred dollars ($145,600.00) (hereinafter referred to as the "Base
Rent") in equal monthly installments of Twelve thousand one hundred thirty three
dollars thirty three cents ($12,133.33) each in advance on or before the first
day of each and every month during the Term, except that Tenant shall pay two
months base rent at the time of

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execution of this Lease, one-half of which is to be applied against the rent for
February, 2005 and one-half as security for the full and faithful performance of
the Tenant. If the Term commences other than on the first day of a month or ends
other than on the last day of a month, the Rent for such month shall be
prorated. The prorated Rent for the portion of the month in which the Term
commences shall be charged against the first full monthly installment and the
balance of said installment shall be credited against the amount due for the
second month.

         4. ADDITIONAL RENT.

         In addition to paying the Rent specified in Section 3 hereof,
commencing February 1, 2004 Tenant shall pay "Additional Rent" in the amount of
3% of the prior year's total rent or the increase in the Consumer Price Index
for the prior calendar year times the prior year's total rent, whichever is
greater. No other sums shall be due from Tenant as rent other than the amounts
indicated by paragraphs 3, 4 and 7.D. of this Lease as all operating expenses
are covered by Base Rent.

         5. USE OF PREMISES.

         Tenant shall continuously and without interruption use and occupy the
entire Premises as an office for the originating and servicing of real estate
mortgages.

         6. TENANT IMPROVEMENTS.

         Landlord shall at its cost:

                  (a)      Recarpet and repaint the entire Premises. Colors of
                           carpet and paint to be chosen by Tenant.

                  (b)      Repaint ceiling and grids throughout Premises.

                  (c)      Replace all doors and hardware. Doors are to be oak
                           six panel stain grade doors. Hardware to be lever
                           type. Doors to be stained/painted per Tenant's
                           choice.

                  (d)      Install demising wall in 2000 s.f. space and separate
                           utilities.

                  (e)      Replace all lenses on fluorescent lighting with clear
                           or white lenses.

                  (f)      Ensure that all mechanical and electrical systems are
                           serving the Premises in good working order at lease
                           commencement.

                  (g)      Replace all door and floor trim with wood trim. Trim
                           to be stained/painted per Tenant's direction.

                  (h)      Clean, repair and/or replace, where necessary, all
                           window blinds/covers.

                  (i)      At Tenant's direction, move/remove any walls between
                           existing offices.

                  (j)      Add Entrance way, Door and framing near windows so as
                           to allow access between joining suites.

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Tenant shall be responsible for:

         (1)      Installation of all work stations per code.

         (2)      Installation of all communication requirements per code.
                  (Building is plenum ceiling)

         (3)      Installation of all security requirements for suite areas, but
                  not horns/strobes if required by code.

         (4)      Cost of new offices if desired by Tenant. New offices are to
                  be installed by Landlord at cost without overhead or profit
                  charged to Tenant. Tenant has option to price cost of offices.

Landlord shall provide Signage on one half of the existing sign facing 1-88 at
its cost. If signs are permitted by Oak Brook, Tenant may, in the alternative,
install a sign at Tenant's expense. In addition, Tenant shall be listed in the
stone sign on ground level.

Tenant has the right to a final walk through prior to taking possession so as to
ensure that the work agreed to by the parties has been completed to Tenant's
satisfaction and approval.

The Tenant's taking possession of any portion of the Premises shall be
conclusive evidence that such portion of the Premises was in good order and
satisfactory condition when Tenant took possession, except as to latent defects,
excluding items of damage caused by Tenant or its agents, independent
contractors or suppliers. No promise of the Landlord to alter, remodel or
improve the Premises or the Building and no representation by Landlord or its
agents respecting the condition of the Premises or the Building have been made
to Tenant or relied upon by Tenant other than as may be contained in this Lease
or in any written amendment hereto signed by Landlord and Tenant. Not
withstanding the aforementioned, as of the Commencement Date, Landlord warrants
and represents that the Premises shall be in good, sanitary order condition and
repair.

         7. SERVICES.

                  A. LIST OF SERVICES.

          Landlord shall provide six reserved, covered parking spaces to Tenant
which shall also be clearly marked and labeled as being reserved for United
Financial Mortgage Corp. and shall provide the following services on all days
during the Term, except Sundays and holidays, unless otherwise stated:

         (i)      Heating and air conditioning when necessary for normal comfort
                  in the Premises, from Monday through Friday, during the period
                  from 7 a.m. to 8 p.m. and, on Saturday, during the period from
                  7 a.m. to 5:00 p.m. Tenant will pay for all heating and air
                  conditioning requested and furnished prior to or following
                  such hours at rates to be established from time to time by
                  Landlord. (Subject to all governmental rules, regulations and
                  guidelines applicable thereto.);

         (ii)     Adequate electrical wiring and facilities for standard
                  building lighting fixtures for Tenant's incidental uses.
                  Tenant shall bear the cost of replacement of bulbs and
                  ballasts for lighting fixtures. In respect of such incidental
                  uses, adequate electrical

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                  wiring and facilities will be furnished in the Premises by
                  Landlord, provided that (a) the connected electrical load of
                  the incidental use equipment does not exceed an average of one
                  watt per square foot of the Premises; (b) the electricity so
                  furnished for incidental uses will be at a nominal 120 volts
                  and no electrical circuit for the supply of such incidental
                  use will have a current capacity exceeding 15 amperes; and (c)
                  such electricity will be used only for equipment and
                  accessories normal to office usage. If Tenant's requirements
                  for electricity for incidental uses are in excess of those set
                  forth in the preceding sentence, the Landlord reserves the
                  right to require Tenant to install the conduit, wiring and
                  other equipment necessary to supply electricity for such
                  excess incidental use requirements at the Tenant's expense by
                  arrangement with Commonwealth Edison Company or another
                  approved local utility;

         (iii)    City water from the regular building outlets for drinking,
                  lavatory and toilet purposes;

         (iv)     Janitor services Monday through Friday in and about the
                  Premises, comparable to the standard janitor services
                  furnished by other first-class office buildings; See "Suite
                  Cleaning Specifications, attached as Exhibit "D".

         (v)      Window washing of all inside and outside windows in the
                  Premises at intervals to be determined by Landlord; and

         (vi)     Adequate operator less passenger and freight elevator service
                  at all times.

         (vii)    Maintain and keep lighted, at its expense, all common areas;
                  i.e.,. stairs, entries, hallways, bathrooms and Signage.

         (viii)   Maintain and service, at its expense, all systems servicing
                  the Building and Premises including, among other things, the
                  heating, ventilation, air conditioning, plumbing and
                  electrical systems like other first class buildings.

         (ix)     Maintain, at its expense, the Building in good order, repair
                  and condition at all times during the Term, and Landlord shall
                  promptly and adequately repair all damage to the Building.

                  B. BILLING FOR ELECTRICITY.

          Tenant shall pay for the use of all electrical service to the Premises
(other than the electrical service necessary for Landlord to fulfill its
obligation to provide heating and air conditioning as provided in Paragraph
7A(i) hereof). Provided that Landlord can make arrangements satisfactory to
Landlord and Tenant with the utility company supplying

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electricity to the Premises, Tenant shall be billed directly by such utility and
Tenant agrees to pay each bill promptly in accordance with its terms.

                  C. INTERRUPTION OF SERVICES.

         Tenant agrees that Landlord shall not be liable in damages, by
abatement of Rent or otherwise, for failure to furnish or delay in furnishing
any service, or for any diminution in the quality or quantity thereof, when such
failure or delay or diminution is occasioned, in whole or in part, by repairs,
renewals or improvements, by any strike, lockout or other labor trouble, by
inability to secure electricity, gas, water, air conditioning, ventilation,
heating or other fuel at the Building after reasonable effort so to do, by any
accident or casualty whatsoever, by the act or default of Tenant or other
parties, or by any other cause beyond Landlord's reasonable control; and such
failures or delays or diminution shall never be deemed to constitute an eviction
or disturbance of the Tenant's use and possession of the Premises or relieve the
Tenant from paying Rent or performing any of its obligations under this Lease.
Landlord shall be diligent in its efforts to cure such failure or delay or
diminution. Provided, however, that the failure on the part of Landlord to
furnish vital services or utilities or other such failures within the reasonable
control of Landlord would lead to abatement of rent if the Premises are
untenantable for 2 or more consecutive days or cancellation of the lease if the
Premises are untenantable for more than 21 consecutive days.

                  D. CHARGES FOR SERVICES.

         Charges for any services for which Tenant is required to pay from time
to time hereunder including, but not limited to, hoisting services or after
hours heating or air conditioning shall be due and payable at the same time as
the installment of Rent with which they are billed, or, if billed separately,
shall be due and payable within ten (10) days after such billing. If Tenant
shall fail to make payment for any such services, Landlord may, with notice to
Tenant, discontinue any or all of such services and such discontinuance shall
not be deemed to constitute an eviction or disturbance of the Tenant's use and
possession of the Premises or relieve Tenant from paying Rent or performing any
of its other obligations under this Lease.

                  8. REPAIRS.

         Tenant will, at Tenant's own expense, keep the Premises in good order,
repair and condition at all times during the Term, and Tenant shall promptly and
adequately repair all damage to the Premises it causes and replace or repair all
damaged or broken fixtures and appurtenances, under the supervision and subject
to the approval of the Landlord, and within any reasonable period of time
specified by the Landlord. If the Tenant does not do so, Landlord may, but need
not, make such repairs and replacements, and Tenant shall pay Landlord the cost
thereof, including a percentage of the cost thereof (to be uniformly established
for the Building) sufficient to reimburse Landlord for all overhead, general
conditions, fees and other costs or expenses arising from Landlord's involvement
with such

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repairs and replacements forthwith upon being billed for same. Landlord may, but
shall not be required to, enter the Premises at all reasonable times to make
such repairs, alterations, improvements and additions to the Premises or the
Building or to any equipment located in the Building as Landlord shall desire or
deem necessary or as Landlord may be required to do by governmental authority or
court order or decree. When making repairs, alterations, improvements and
additions to the Premises or Building or to any equipment in the Building,
Landlord will make reasonable efforts to minimize the interruption or disruption
of Tenant's business.

         9. ADDITIONS AND ALTERATIONS.

         Tenant shall not, without the prior written consent of Landlord, which
consent shall not be unreasonably withheld, make any alterations, improvements
or additions to the Premises. If Landlord consents to said alterations,
improvements or additions, it may impose such conditions with respect thereto as
Landlord deems appropriate, including, without limitation, requiring Tenant to
furnish Landlord with security for the payment of all costs to be incurred in
connection with such work, insurance against liabilities which may arise out of
such work, and plans and specifications plus permits necessary for such work.
The work necessary to make any alterations, improvements or additions to the
Premises shall be done at Tenant's expense by employees of or contractors hired
by Landlord except to the extent Landlord gives its prior written consent to
Tenant's hiring contractors which consent shall not be unreasonably withheld.
Tenant shall promptly pay to Landlord or to Tenant's contractors, as the case
may be, when due, the cost of all such work and of all decorating required by
reason thereof. Upon completion of such work Tenant shall deliver to Landlord,
if payment is made directly to contractors, evidence of payment, contractors'
affidavits and full and final waivers of all liens for labor, services or
materials. Tenant shall defend and hold Landlord and the Land and Building
harmless from all costs, damages, liens and expenses related to such work. All
work done by Tenant or its contractors shall be done in a first-class
workmanlike manner using only good grades of materials and shall comply with all
insurance requirements and all applicable laws and ordinances and rules and
regulations of governmental departments or agencies.

         All alterations, improvements and additions to the Premises, whether
temporary or permanent in character, made or paid for by Landlord or Tenant,
shall without compensation to Tenant become Landlord's property at the
termination of this Lease by lapse of time or otherwise and shall, unless
Landlord requests their removal (in which case Tenant shall remove the same as
provided in Section 18), be relinquished to Landlord in good condition, ordinary
wear excepted.

         10. COVENANT AGAINST LIENS.

         Tenant has no authority or power to cause or permit any lien or
encumbrance of any kind whatsoever, whether created by act of Tenant, operation
of law or otherwise, to attach to or be placed upon Landlord's title or interest
in the Land, Building or Premises, and any and

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all liens and encumbrances created by Tenant shall attach to Tenant's interest
only. Tenant covenants and agrees not to suffer or permit any lien of mechanics
or material men or others to be placed against the Land, Building or the
Premises with respect to work or services claimed to have been performed for or
materials claimed to have been furnished to Tenant or the Premises, and, in case
of any such lien attaching, Tenant covenants and agrees to cause it to be
immediately released and removed of record.

         In the event that such lien is not immediately released and removed.
Landlord, at its sole option, may take all action necessary to release and
remove such lien (without any duty to investigate the validity thereof) and
Tenant shall promptly upon notice reimburse Landlord for all sums, costs and
expenses (including reasonable attorneys' fees) incurred by Landlord in
connection with such lien.

         11. INSURANCE.

                  A. WAIVER OF SUBROGATION.

Landlord and Tenant each hereby waive any and every claim for recovery from the
other for any and all loss of or damage to the Building or Premises or to the
contents thereof, which loss or damage is covered by valid and collectible fire
and extended coverage insurance policies, to the extent that such loss or damage
is recoverable under said insurance policies. In as much as this mutual waiver
will preclude the assignment of any such claim by subrogation (or otherwise) to
an insurance company (or any other person), Landlord and Tenant each agree to
give to each insurance company which has issued, or in the future may issue, to
it policies of fire and extended coverage insurance, written notice of the terms
of this mutual waiver, and to have said insurance policies properly endorsed, if
necessary, to prevent the invalidation of said insurance coverage by reason of
said waiver. Waiver of subrogation rights as to insurance companies is
conditioned upon each insurance company's respective written consent, which the
parties hereto agree to make reasonable efforts to obtain.

                  B. COVERAGE.

         Tenant shall carry insurance during the entire Term insuring Tenant and
Landlord as their interests may appear with terms, coverages and in companies
satisfactory to Landlord, and with such increases in limits as Landlord may from
time to time request, but initially Tenant shall maintain the following
coverages in the following amounts;

         (i)      in case of personal injury to or death of any person or
                  persons, not less than $1,000,000 for each injury or death to
                  a person and $1,000,000 for each incident involving personal
                  injury or death to persons, and, in case of property damage,
                  not less than $1,000,000 for any one occurrence; and

         (ii)     in case of fire, sprinkler leakage, malicious mischief,
                  vandalism, and other extended coverage perils, for the full
                  insurable replacement value of all additions,

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                  improvements and alterations to the Premises which are beyond
                  the "Building standard", Tenant improvements provided by
                  Landlord and of all office furniture, trade fixtures, office
                  equipment, merchandise and all other items of Tenant's
                  property on the Premises.

         Tenant shall, prior to the commencement of the Term, furnish to
Landlord certificates evidencing such coverage, which certificates shall state
that such insurance coverage may not be changed or canceled without at least ten
days prior written notice to Landlord and Tenant.

         Landlord shall secure, pay for, and at all times during the term hereof
maintain insurance providing coverage upon the Premises and Building in an
amount equal to the full insurable value thereof and insuring against the perils
of fire, extended coverage, vandalism and malicious mischief. Landlord shall
also secure, pay for, and at all times during the term hereof maintain bodily
injury and property damage liability insurance of not less than $1,000,000.00
per occurrence.

                  C. AVOID ACTION INCREASING RATES.

         Tenant shall comply with all applicable laws and ordinances, all orders
and decrees of court and all requirements of other governmental authorities, and
shall not, directly or indirectly , make any use of the Premises which may
thereby be prohibited or be dangerous to person or property or which may
jeopardize any insurance coverage, or may increase the cost of insurance or
require additional insurance coverage. If by reason of the failure of Tenant to
comply with the provisions of this Section 1 1C, any insurance coverage is
jeopardized or insurance premiums are increased, Landlord shall have the option
either to terminate this Lease or to require Tenant to make immediate payment of
the increased insurance premium.

         12. FIRE OR CASUALTY.

         Paragraph 8 hereof notwithstanding, if the Premises or the Building
(including machinery or equipment used in its operation) shall be damaged by
fire or other casualty (except fires or other casualties resulting from Tenant's
fault or neglect) and if such damage does not render all or a substantial
portion of the, Premises or Building untenantable, then Landlord shall repair
and restore the same with reasonable promptness, subject to reasonable delays
for insurance adjustments and delays caused by matters beyond Landlord's
reasonable control. If any such damage renders all or a substantial portion of
the Premises or Building untenantable, Landlord shall have the right to
terminate this Lease as of the date of such damage (with appropriate prorations
of the Premises) upon giving written notice to the Tenant at any time within
sixty (60) days after the date of such damage. If any such damage renders all or
more than fifty percent (50%) of the Premises untenantable and if such damage
does not result from Tenant's fault or neglect, Tenant shall also have the right
to terminate this Lease as of the date of such damage upon giving written notice
to Landlord at any time within forty-five (45) days after the date of such
damage. Unless this Lease is terminated as provided in the two preceding
sentences and so long as such damage does not result from Tenant's fault or

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neglect, Landlord shall proceed with reasonable promptness to repair and restore
the Premises, subject to reasonable delays for insurance adjustments and delays
caused by matters beyond Landlord's reasonable control. Landlord shall have no
liability to Tenant, and Tenant shall not be entitled to terminate this Lease by
virtue of any delays in completion of such repairs and restoration. Rent,
however, shall abate on those portions of the Premises as are, from time to
time, untenantable as a result of such damage.

         In the event the Building is damaged by fire or other casualty
resulting from Tenant's failure or neglect, Landlord shall have no obligation to
repair or restore the Building or any part thereof and Tenant shall not be
released from any of its obligations hereunder (including, without limitation,
its duty to repair the Premises and its liability to Landlord for damages caused
by such fire or other casualty.). Tenant hereby acknowledges that Landlord is
under no obligation to insure Landlord's interest in the Premises or the
Building.

         Notwithstanding anything to the contrary herein set forth, Landlord
shall have no duty pursuant to this Section to repair or restore any portion of
the alterations, additions or improvements in the Premises or the decoration
thereto except to the extent that such alterations, additions, improvements and
decoration were provided by Landlord, at Landlord's cost, at the beginning of
the Term. If Tenant wants any other or additional repairs or restoration and if
Landlord consents thereto, the same shall be done at Tenant's expense subject to
all of the provisions of Section 8 hereof.

         13. WAIVER OF CLAIMS - INDEMNIFICATION.

         Except for the negligence or willful misconduct of Landlord, Landlord
and its officers, agents, servants and employees shall not be liable for any
damage either to person or property or resulting from the loss of use thereof
sustained by Tenant or by other persons due to the Building or any part thereof
or any appurtenances thereof becoming out of repair, or due to the happening or
accident or event in or about the Building, or due to any act or neglect of any
tenant or occupant of the Building or of any other person. This provision shall
apply particularly (but not exclusively) to damage caused by gas, electricity,
snow, frost, steam, sewage, sewer gas or odors, fire water or by the bursting or
leaking of pipes, faucets, sprinklers, plumbing fixtures, and windows, and shall
apply without distinction as to the person whose act or neglect was responsible
for the damage and whether the damage was due to any of the causes specifically
enumerated above or to some other cause of an entirely different kind. Tenant
further agrees that all personal property upon the Premises, or upon loading
docks, receiving and holding areas, or freight elevators of the Building, shall
be at the risk of Tenant only, and that Landlord shall not be liable for any
loss or damage thereto or theft thereof. Without limitation of any other
provisions thereof, Tenant agrees to defend, protect, indemnify and save
harmless Landlord from and against all liability to third parties arising out of
the negligent acts of Tenant and its servants, agents, employees, contractors,
suppliers, workmen and invitees. Without limitation of any provisions thereof,
Landlord agrees to defend, protect, indemnify and save harmless Tenant from and
against all liability to

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third parties arising out of the negligent acts of the Landlord and its
servants, agents, employees, contractors, suppliers, workmen and invitees.

         14. NONWAIVER.

         No waiver of any provision of this Lease shall be implied by any
failure of Landlord of Tenant to enforce any remedy on account of the violation
of such provision, even if such violation be continued or. repeated
subsequently, and no express waiver shall affect any provision other than the
one specified in such waiver and that one only for the time in the manner
specifically stated. No receipt of moneys by Landlord from Tenant after the
termination of this Lease shall in any way alter the length of the Term or of
Tenant's right of possession hereunder or after the giving of any notice shall
reinstate, continue or extend the Term or affect any notice given Tenant prior
to the receipt of such moneys, it being agreed that after the service of notice
or the commencement of a suit or after final judgment for possession of the
Premises, Landlord may receive and collect any Rent due, and the payment of said
Rent shall not waive or affect said notice, suit or judgment.

         15. CONDEMNATION.

         If the Land or the Building or any portion thereof shall be taken or
condemned by any competent authority for any public or quasi-public use or
purpose (a "taking"), or if the configuration of any street, alley, riverbank,
or bridge adjacent to the Building is changed by any competent authority and
such taking or change in configuration makes it necessary or desirable to
remodel or reconstruct the Building, Landlord shall have the right, exercisable
at its sole discretion, to cancel this Lease upon not less than ninety (90) days
notice prior to the date of cancellation designated in the notice. No money or
other consideration shall be payable by Landlord to Tenant for the right of
cancellation and Tenant shall have no right to share in the condemnation award
or in any judgment for damages caused by such taking or change in configuration
except that Tenant shall have moving expenses paid and compensation for the
difference, if any, between rent of this lease and a new lease.

         16. ASSIGNMENT AND SUBLETTING.

                  (a) Tenant shall not without Landlord's prior written consent,
which consent shall be unreasonably withheld:

         (i)      assign, hypothecate, mortgage, encumber, or convey this Lease;

         (ii)     allow any transfer thereof or any lien upon Tenant's interest
                  by operation of law;

         (iii)    sublet the Premises or any part thereof; or

         (iv)     permit the use or occupancy of the Premises or any part
                  thereof by anyone other than Tenant.

                  (b) If Tenant desires the consent of Landlord to an assignment
of the entire demised premises for the remaining term or subletting of all or a
part of the demised premises (the entire demised premises for me remaining term
it an assignment is desired or the portion of

                                       10
<PAGE>

the demised premises if a sublet is desired being hereinafter referred to as
"Subject Premises"), Tenant shall submit to Landlord:

         (i)      the proposed sublease or assignment (executed by Tenant and
                  subtenant or assignee), which is not to commence prior to the
                  first day of the month immediately following the month in
                  which the thirtieth day following the submission to Landlord
                  occurs, and

         (ii)     sufficient information to permit Landlord to determine the
                  acceptability of the financial responsibility and character of
                  subtenant or assignee.

                  (c) If Landlord grants consent:

         (i)      the terms and conditions of this Lease, including among other
                  things, Tenant's liability for the Subject Premises shall in
                  no way be deemed modified, abrogated or amended:

         (ii)     Tenant shall pay Landlord 50% of all profit derived by Tenant
                  in such sublease or assignment.

         (iii)    the consent shall not be deemed a consent to any further
                  subletting or assignments by either Tenant, subtenants or
                  assignees.

         17. OPTION TO RENEW.

         Tenant shall have the option to renew this Lease for a period of seven
(7) years on the same terms and conditions, except rent. The renewal period
shall commence at the expiration of the initial term. Tenant must give written
notice to Landlord of its intent to exercise this option not less than six (6)
months prior to the expiration of the initial term. The written notice shall be
in the form of certified or registered mail, return receipt requested. The Base
Rent for the renewal term shall be 100% of the prevailing market rate ("market
rent") for similar type space in office buildings within the Oak Brook area for
the first year of the renewal term to be increased in each successive year by
three (3%) percent of the prior year's total rent or the increase in the
Consumer Price Index for the prior calendar year times the prior year's total
rent, whichever is greater. Landlord shall deliver to Tenant a notice which
shall specify the initial annual Base Rent and monthly installments thereof
within seven (7) days after Tenant's notice of election to exercise its option
to renew. Tenant shall have seven (7) days to rescind the exercise of its option
to renew by sending written notice thereof to Landlord within said 7-day period
after the receipt of Landlord 's notice to Tenant specifying the Base Rent for
the initial year of the renewal term. Should Tenant not rescind the election of
its option to renew and should Tenant disagree with the market rent so
determined by

                                       11
<PAGE>

Landlord, Tenant may demand, at any time within fifteen (15) days of Tenant's
receipt of Landlord's notice aforesaid., that the determination of market rent
shall be submitted to arbitration. Such arbitration shall be conducted in DuPage
County, Illinois in accordance with the following: each party shall designate in
writing, within 15 days after any such notice, the name of an arbitrator who
holds an M.A.I.( Master Appraiser Institute) designation or its equivalent and
who is familiar with Oak Brook market rentals. Within 45 days after the
designations, as aforesaid, the two arbitrators chosen shall each make his
decision as to the market rent. Should such arbitrators disagree as to the
market rent, but should the highest determination of market rent be within 10%
of the lowest determination, the average of the amounts determined by the two
arbitrators shall be deemed the market rent. In the event that the two
arbitrators are in excess of 10% apart, and, in the further event landlord and
Tenant cannot mutually agree as to the market rent, within 10 days after the
receipt of the determination by such two arbitrators, the two arbitrators shall
appoint a third arbitrator of equal qualification who shall determine market
rent within 45 days of appointment. Whereupon the average of the amounts
determined by the three arbitrators shall be deemed market rent. Any
determination shall be binding upon Tenant and Landlord and shall be enforceable
by any court exercising jurisdiction over the parties. The cost of the
arbitrators, excluding fees of counsel for Tenant and Landlord, shall be divided
equally between the parties. In the event the arbitration is not resolved at the
end of the term, Tenant shall pay as rent during the renewal term 110 % of the
total rent then being paid by Tenant hereunder. Upon determination of the market
rent, the rent paid during the period of dispute will be retroactively adjusted
and appropriate payment made.

         18. SURRENDER OF POSSESSION.

         Upon the expiration of the Term or upon the termination of Tenant's
right of possession, whether by lapse of time or at the option of Landlord as
herein provided, Tenant shall forthwith surrender the Premises to Landlord in
good order, repair and condition, ordinary wear excepted, and shall, if Landlord
so requires, restore the Premises to the condition existing at the beginning of
the Term. Any interest of Tenant in the alterations, improvements, and additions
to the Premises (including without limitation all carpeting or floor covering)
made or paid for by Landlord or Tenant shall without compensation to Tenant
become Landlord's property at the termination of this Lease by lapse of time or
otherwise and such alterations, improvements and additions shall be relinquished
to Landlord in good condition, ordinary wear excepted. At the termination of the
Term or of Tenant's right of possession Tenant agrees to remove the following
items of Tenant's property; office furniture, trade fixtures, office equipment
and all other items of Tenant's property on the Premises. Tenant shall pay to
Landlord upon demand the cost of repairing any damage to the Premises and to the
Building caused by any such removal. If Tenant shall fail or refuse to remove
any such property from the Premises Tenant shall be conclusively presumed to
have abandoned the same, and title thereto shall thereupon pass to Landlord
without any cost either by set-off, credit, allowance or otherwise, and Landlord
may at its option accept the title to such property or upon ten days notice, at
Tenant's expense may (i) remove the same or any part in any

                                       12
<PAGE>

manner that Landlord shall choose, repairing any damage to the Premises caused
by such removal, and (ii) store, destroy or otherwise dispose of the same
without incurring liability to Tenant or any other person.

         19. HOLDING OVER.

         Tenant shall pay to Landlord an amount as Rent equal to 120% of the
Total Rent herein provided during each month or portion thereof for which Tenant
shall retain possession of the Premises or any part thereof for the first three
months and 200% for the fourth and subsequent months after the termination of
the Term or of Tenant's right of possession, whether by lapse of time or
otherwise.

         20. ESTOPPEL CERTIFICATE.

         The Tenant agrees that, from time to time upon not less than ten days
prior request by Landlord, the Tenant, or Tenant's duly authorized
representative having knowledge of the following facts, will deliver to Landlord
a statement in writing certifying (i) that this Lease is unmodified and in full
force and effect (or if there have been modifications that the Lease as modified
is in full force and effect); (ii) the dates to which Rent and other charges
have been paid; (iii) that the Landlord is not in default under any provision of
this Lease, or, if in default, the nature thereof in detail; and (iv) such
further matters as are set forth on the form of estoppel certificate attached
hereto as exhibit B and made a part hereof, it being intended that any such
statement may be relied upon by any prospective purchaser or tenant of the
Building, any mortgagees or prospective mortgagees thereof, or any prospective
assignee of any mortgage thereof. Tenant shall execute and deliver whatever
instruments may be required for such purposes, and in the event Tenant fails so
to do within twenty (20) days after demand in writing, Tenant shall be
considered in default under this Lease.

         21. SUBORDINATION.

         This Lease is subject and subordinate to all present and future ground
or underlying leases of the Land and to the lien of any mortgages or trust
deeds, now and hereafter in force against the Land and Building, or either, and
to all renewals, extensions, modifications, consolidations and replacements
thereof, and to all advances made or hereafter to be made upon the security of
such mortgages or trust deeds, unless the holders of such mortgages or trust
deeds, or the lessors under such ground lease or underlying leases require in
writing that this Lease shall be superior thereto. Tenant shall at Landlord's
request execute such further instruments or assurances as Landlord may
reasonably deem necessary to evidence or confirm the subordination or
superiority of this Lease to any such mortgages, trust deeds, ground leases or
underlying leases. Tenant hereby irrevocably authorizes Landlord to execute and
deliver in the name of Tenant any such instrument or instruments if Tenant fails
to do so,

                                       13
<PAGE>

provided that such shall in no way relieve Tenant from obligation of executing
such instruments of subordination or superiority.

         22. CERTAIN RIGHTS RESERVED BY LANDLORD.

         Landlord shall have the following rights, each of which Landlord may
exercise without notice to Tenant and without liability to Tenant for damage or
injury to property, person or business on account of the exercise thereof, and
the exercise of any such rights shall not be deemed to constitute an eviction or
disturbance of Tenant's use or possession of the Premises and shall not give
rise to any claim for set-off or abatement of Rent and any other claim:

                  (a) To change the Building's name or street address subject to
Landlord's covering of Tenant's reasonable expense relating to the same.

                  (b) To install, affix and maintain any and all signs on the
exterior and on the interior of the Building;

                  (c) To decorate or to make repairs, alterations, additions, or
improvements, whether structural or otherwise, in and about the Building, or any
part thereof, and for such purposes to enter upon the Premises, and during the
continuance of any of said work, to temporarily close doors, entryways, public
space and corridors in the Building and to interrupt or temporarily suspend
services or use of facilities, all without effect upon any of Tenant's
obligations hereunder, so long as the Premises are reasonably accessible and
useable;

                  (d) To furnish thirty (30) door keys for Building and Premises
doors at the commencement of the lease. To retain at all times, and to use in
appropriate instances, keys to all doors within and into the Premises. Tenant
agrees to purchase only from Landlord additional duplicate keys as required, to
change no locks, and not to affix locks on doors without the prior written
consent of Landlord. Upon the expiration of the Term or of Tenant's right to
possession, Tenant shall return all keys to Landlord and shall disclose to
Landlord the combination of any safes, cabinets or vaults left in the Premises.

                  (e) To designate that window treatment shall be Building
Standard Venetian blinds or curtains and to designate and approve, prior to
installation, all types of additional window shades, blinds, or draperies;

                  (f) To approve the weight, size and location of safes, vaults
and other heavy equipment and articles in and about the Premises and the
Building (so as not to exceed the legal live load per square foot designated by
the structural engineers for the Building), and to require all such items and
furniture and similar items to be moved into or out of the Building and Premises
only at such times and in such manner as Landlord shall direct in writing.
Tenant shall not install or operate machinery or any mechanical devices of a
nature not directly related Tenant's ordinary use of the Premises without the
prior written consent of Landlord.

                                       14
<PAGE>

Movements of Tenant's property into or out of the Building and within the
Building are entirely at the risk and responsibility of Tenant and Landlord
reserves the right to require permits before allowing any property to be moved
into or out of the Building.

                  (g) To close the Building after regular working hours and on
Sundays and legal holidays subject, however, to Tenant's right to admittance to
the Premises under such regulations as Landlord may prescribe from time to time,
which may include but shall not be limited to, a requirement that persons
entering or leaving the Building identify themselves to a watchman by
registration or otherwise and establish their right to enter or leave the
Building. Such regulations may include, but shall not be limited to, the
requiring of identification from Tenant's employees, agents, clients, customers,
invitees, visitors and guests;

                  (h) To establish controls for the purpose of regulating all
property and packages (both personal and otherwise) to be moved into or out of
the Building and Premises;

                  (i) To regulate delivery and service of supplies in order to
insure the cleanliness and security of the Premises and to avoid congestion of
the loading docks, receiving areas and freight elevators;

                  (j) To show the Premises to prospective tenants at reasonable
hours during the last twelve months of the Term and, if vacated or abandoned, to
show the Premises at any time and to prepare the Premises for re-occupancy;

                  (k) To erect, use and maintain pipes, ducts, wiring and
conduits, and appurtenances thereto, in and through the Premises at reasonable
locations;

                  (l) To enter the Premises with reasonable notice to Tenant, at
any reasonable time, to inspect the Premises.

         23. RULES AND REGULATIONS.

         Tenant agrees to observe the rules and regulations for the Building
attached hereto as Exhibit C and made a part hereof. Landlord shall have the
right from time to time to prescribe additional rules and regulations which, in
its judgment, may be desirable for the use, entry, operation and management of
the Premises and Building, each of which rules and regulations and any
amendments thereto shall become a part of this Lease. Tenant shall comply with
all such rules and regulations provided however that such rules and regulations
shall not contradict or abrogate any right or privilege herein expressly granted
to Tenant.

         24. LANDLORD'S REMEDIES.

         If default shall be made in the payment of the Rent or any installment
thereof or in the

                                       15
<PAGE>

payment of any other sum required to be paid by Tenant under this Lease or under
the terms of any other agreement between Landlord and Tenant and such default
shall continue for five (5) days after written notice to Tenant, or if default
shall be made in the observance or performance of any of the other covenants or
conditions in this Lease which Tenant is required to observe and perform and
such default shall continue for ten (10) days after written notice to Tenant, or
if a default involves a hazardous condition and is not cured by Tenant
immediately upon written notice to Tenant, or if the interest of Tenant in this
Lease shall be levied on under execution or other legal process, or if any
voluntary petition in bankruptcy or for corporate reorganization or any similar
relief shall be filed by Tenant, or if any involuntary petition in bankruptcy
shall be filed against Tenant under any federal or state bankruptcy or
insolvency act and shall not have been dismissed within thirty days from the
filing thereof, or if a receiver shall be appointed for Tenant or any of the
property of Tenant by any court and such receiver shall not have been dismissed
within thirty days from the date of his appointment, or if Tenant shall make an
assignment for the benefit of creditors, or if Tenant shall admit in writing
Tenant's inability to meet Tenant's debts as they mature, or if Tenant shall
abandon or vacate the Premises during the Term, then Landlord may treat the
occurrence of any one or more of the foregoing events as a breach of this Lease,
and thereupon at its option may, with or without notice or demand of any kind to
Tenant or any other person, have any one or more of the following described
remedies in addition to all other rights and remedies provided at law or in
equity or elsewhere herein:

                           (i) Landlord may terminate this Lease and the Term
                  created hereby, in which event Landlord may forthwith
                  repossess the Premises and be entitled to recover forthwith,
                  in addition to any other sums or damages for which Tenant may
                  be liable to Landlord, as damages a sum of money equal to the
                  excess of the present value of the Rent provided to be paid by
                  Tenant for the balance of the Term over the fair market rental
                  value of the Premises, after deduction of all anticipated
                  expenses of reletting, for said period. Should the fair market
                  rental value of the Premises, after deduction of all
                  anticipated expenses of reletting, for the balance of the Term
                  exceed the value of the Rent provided to be paid by Tenant for
                  the balance of the Term, Landlord shall have no obligation to
                  pay to Tenant the excess or any part thereof or to credit such
                  excess or any part thereof against any other sums or damages
                  for which Tenant may be liable to Landlord.

                           (ii) Landlord may terminate Tenant's right of
                  possession and may repossess the Premises by forcible entry
                  and detainer suit, by taking peaceful possession or otherwise,
                  without terminating this Lease, in which event Landlord may,
                  but shall be under no obligation to, relet the same for the
                  account of Tenant, for such rent and upon such terms as shall
                  be satisfactory to Landlord. For the purpose of such
                  reletting, Landlord is authorized to decorate, repair, remodel
                  or alter the Premises. If Landlord shall fail to relet the
                  Premises, Tenant shall pay to Landlord as damages a sum equal
                  to the amount of the Rent reserved in this Lease for the
                  balance of the Term. If the Premises are relet and a
                  sufficient sum shall not be realized from such reletting after
                  paying all of the costs and expenses of all decoration,
                  repairs remodeling, alterations and additions and the expenses
                  of such reletting and of the

                                       16
<PAGE>

                  collection of the rent accruing therefrom to satisfy the Rent
                  provided for in this Lease, Tenant shall satisfy and pay such
                  difference upon demand therefor from time to time. Tenant
                  agrees that Landlord may file suit to recover any sums falling
                  due under the terms of this Section 24 from time to time and
                  that no suit or recovery of any portion due Landlord hereunder
                  shall be any defense to any subsequent action brought for any
                  amount not theretofore reduced to judgment in favor of
                  Landlord.

         25. EXPENSES OF ENFORCEMENT.

         If either party to the lease brings an action to enforce the terms of
the lease or declare rights under the lease, the prevailing party in such action
shall be entitled to recover reasonable attorneys' fees, expenses and costs from
the other party.

         26. COVENANT OF QUIET ENJOYMENT.

         The Landlord covenants that the Tenant, on paying the Rent, charges for
services and other payments herein reserved and on keeping, observing and
performing all the other terms, covenants, conditions, provisions and agreements
herein contained on the part of the Tenant to be kept, observed, and performed,
shall during the Term, peaceably and quietly have, hold and enjoy the Premises
subject to the terms, covenants, conditions, provisions, and agreements hereof.

         27. REAL ESTATE BROKER.

         The Tenant represents that the Tenant has dealt with (and only with Joe
Khoshabe and S. C. Hosty as brokers in connection with this Lease, and that
insofar as the Tenant knows, no other broker negotiated this Lease or is
entitled to any commission in connection therewith. Tenant agrees to indemnify,
defend and hold Landlord and its beneficiaries, employees, agent, their officers
and partners, harmless from and against any claims made by any broker or finder
other than the brokers named above for a commission or fee in connection with
this Lease, provided that Landlord has not in fact retained such broker or
finder. The parties agree and understand that the Landlord is solely responsible
for the payment of my commission to be paid in connection herewith under the
terms of a separate agreement between the Landlord and the broker(s).

         28. MISCELLANEOUS.

                  A. RIGHTS CUMULATIVE.

         All rights and remedies of Landlord under this Lease shall be
cumulative and none shall exclude any other rights and remedies allowed by law.

                                       17
<PAGE>

                  B. INTEREST.

         All payments becoming due under this Lease and remaining unpaid when
due shall bear interest until paid at the rate of five per cent per annum (but
in no event at a rate which is more than the highest rate which is at the time
lawful in the State of Illinois.)

                  C. TERMS.

         The necessary grammatical changes required to make the provisions
hereof apply either to corporations or partnerships or individuals, men or
women, as the case may require, shall in all cases be assumed as though in each
case fully expressed.

                  D. BINDING EFFECT.

         Each of the provisions of this Lease shall extend to and shall, as the
case may require, bind or inure to the benefit not only of the Landlord and of
Tenant, but also of their respective successors or assigns, provided this clause
shall not permit any assignment by Tenant contrary to the provisions of Section
16 hereof.

                  E. LEASE CONTAINS ALL TERMS.

         All of the representations and obligations of Landlord are contained
herein and in the Exhibits, and no modification, waiver or amendment of this
Lease or of any of its conditions or provisions shall be binding upon the
Landlord unless in writing signed by Landlord or by a duly authorized agent of
Landlord empowered by a written authority signed by Landlord.

                  F. DELIVERY FOR EXAMINATION.

         Submission of the form of the Lease for examination shall not bind
Landlord in any manner, and no Lease or obligations of the Landlord shall arise
until this instrument is signed both by Landlord and Tenant and delivery is made
to each.

                  G. NO AIR RIGHTS.

         No rights to any view or to light or air over any property, whether
belonging to Landlord or any other person, are granted to Tenant by this Lease.

                  H. MODIFICATION OF LEASE.

         If any lender requires, as a condition to its lending funds the
repayment of which is to be secured by a mortgage or trust deed on the Land and
Building or either, that certain modifications be made to this Lease, which
modifications will not require Tenant to pay any

                                       18
<PAGE>

additional amounts or otherwise change materially the rights or obligations of
Tenant hereunder, Tenant shall, upon Landlord's request, execute appropriate
instruments affecting such modifications.

                  I. SUBSTITUTION OF OTHER PREMISES. [INTENTIONALLY OMITTED.]

                  J. TRANSFER OF LANDLORD'S INTEREST.

         Tenant acknowledges that Landlord has the right to transfer its
interest in the Land and Building and in this Lease, and Tenant agrees that in
the event of any such transfer Landlord shall automatically be released from all
liability under this Lease and Tenant agrees to look solely to such transferee
for the performance of Landlord's obligations hereunder. Tenant further
acknowledges that Landlord may assign its interest in this Lease to a mortgage
lender as additional security and agrees that such an assignment shall not
release Landlord from its obligations hereunder and that Tenant shall continue
to look to Landlord for the performance of its obligations hereunder.

                  K. LANDLORD'S TITLE.

         Landlord's title is and always shall be paramount to the title of
Tenant. Nothing herein contained shall empower Tenant to do any act which can,
shall or may encumber the title of Landlord.

                  L. CAPTIONS.

         The captions of Sections and subsections are for convenience only and
shall not be deemed to limit, construe, affect or alter the meaning of such
Sections or subsections.

                  M. COVENANTS AND CONDITIONS.

         All of the covenants of the Tenant hereunder shall be deemed and
construed to be "conditions", if Landlord so elects, as well as "covenants" as
though the words specifically expressing or importing covenants and conditions
were used in each separate instance.

                  N. ONLY LANDLORD/TENANT RELATIONSHIP.

         Nothing contained in this Lease shall be deemed or construed by the
parties hereto or by any third party to create the relationship of principal and
agent, partnership, joint venturer or any association between Landlord and
Tenant, it being expressly understood and agreed that neither the method of
computation of Rent nor any act of the parties hereto shall be deemed to create
any relationship between Landlord and Tenant other than the relationship of
landlord and tenant.

                  O. APPLICATION OF PAYMENTS.

         Landlord shall have the right to apply payments received from Tenant
pursuant to this Lease (regardless of Tenant's designation of such payments) to
satisfy any obligations of Tenant hereunder; in such order and amounts, as
Landlord in its sole discretion, may elect.

                                       19
<PAGE>

                  P. DEFINITION OF "LANDLORD".

         All indemnities, covenants and agreements of Tenant contained herein
which inure to the benefit of Landlord shall be construed to. also inure to the
benefit of Landlord's beneficiaries and all partners therein and the agents and
employees thereof.

         29. NOTICES.

         All notices to be given under this Lease shall be in writing and
delivered personally or deposited in the United States Mail, certified or
registered mail with return receipt requested, postage prepaid, addressed as
follows:

                           (a)      If to Landlord:
                                    Plum Tree National, Ltd.
                                    815 Commerce Drive
                                    Oak Brook, IL 60521
                                    Attn: Building Manager

or to such other person or such other address designated by notice sent by
Landlord to Tenant.

                           (b)      If to Tenant:
                                    United, Financial Mortgage Corp.,
                                    815 Commerce Drive
                                    Oak Brook, IL 60521
                                    Attention: Steve Khoshabe
                                    cc: United Financial's Legal Department.

or to such other person or such other address designated by notice sent by
Tenant to Landlord.

         Notice by mail shall be deemed to have been given when deposited in the
United States mail as aforesaid.

                                       20
<PAGE>

         30. LIMITATION ON LANDLORD'S LIABILITY.

         It is expressly understood and agreed by Tenant that none of Landlord's
covenants, undertakings or agreements are made or intended as personal
covenants, undertakings or agreements by Landlord as aforesaid, or its
beneficiaries, and any liability for damage or breach or nonperformance by
Landlord shall be collectible only out of Landlord's interest in the Building
and no personal liability is assumed by, nor at any time may be asserted
against, Landlord or its beneficiaries or any of its or their heirs, agents,
legal representatives, successors or assigns, all such liability, if any, being
expressly waived and released by Tenant.

TENANT:                                          LANDLORD:

UNITED FINANCIAL MORTGAGE CORP.                  DuPage National Bank,
an Illinois Corporation                          not individually but as trustee
                                                 under Trust #1570

By: /s/ Steve Khoshabe                           By: /s/ Richard Walsh
   ----------------------------------                ---------------------------
                                                         Asst. Trust Officer
Its: Executive Vice President

Attested by: /s/ Galina Kolodyi
             ------------------------            Plum Tree National, Ltd.,
                                                 an Illinois corporation, the
                                                 sole Beneficiary of Trust #1570

                                                 By: /s/ Thomas J. McCracken Sr.
                                                     ---------------------------

                                                 Its: President
                                                     ---------------------------

                                                 Attested by: /s/ Joseph deLaVan
                                                              ------------------

                                       21<PAGE>
                                                                   EXHIBIT 10.20

                               FIRST AMENDMENT TO
                AMENDED AND RESTATED WAREHOUSING CREDIT AGREEMENT

         THIS FIRST AMENDMENT TO AMENDED AND RESTATED WAREHOUSING CREDIT
AGREEMENT (the "First Amendment") is made and entered into as of the 31st day of
October, 2003, by and among (i) (a) UNITED FINANCIAL MORTGAGE CORP., an Illinois
corporation with its principal place of business located at 815 Commerce Drive,
Suite 100, Oak Brook, Illinois 60523 ("United"), and (b) PORTLAND MORTGAGE
COMPANY, an Oregon corporation with its principal place of business located at
2020 S.W. 4th Avenue, #1010, Portland , Oregon 97201 ("Portland") (collectively,
the "Company"), (ii) (a) NATIONAL CITY BANK OF KENTUCKY, a national banking
association with a place of business located at 101 South Fifth Street,
Louisville, Kentucky 40202 ("National City"), (b) BANK ONE, NA, a national
banking association with its principal place of business located in Chicago,
Illinois ("Bank One"), (c) WEST SUBURBAN BANK, an Illinois state banking
corporation with its principal place of business located at 711 S.
Westmore-Meyers Road, Lombard, Illinois 60148 ("West Suburban"), (d) COMERICA
BANK, a Michigan banking corporation with its principal place of business
located at 500 Woodward Avenue, MC: 3256, Detroit, Michigan 48226 ("Comerica"),
and (e) COLONIAL BANK, N.A., a national banking association with a principal
place of business located at 201 E. Pine Street, Suite 730, Orlando, Florida
32801 ("Colonial") (National City, Bank One, West Suburban, Comerica and
Colonial are each individually referred to as a "Bank" and collectively as the
"Banks"), and (iii) NATIONAL CITY BANK OF KENTUCKY, in its capacity as Agent for
the Bank (in such capacity, the "Agent").

         PRELIMINARY STATEMENT:

         A. Pursuant to that certain Amended and Restated Warehousing Credit
Agreement dated as of August 1, 2003, among the Company, the Banks and the Agent
(the "Existing Credit Agreement"), the Banks have established a warehousing line
of credit facility in favor of the Company in the current maximum principal
amount of One Hundred Ten Million Dollars ($110,000,000.00), for the purposes
set forth therein.

         B. The Company has now requested that the Agent and Banks amend the
Existing Credit Agreement to extend the stated Maturity Date to and until the
close of business on December 15, 2003.

         C. The Agent and the Banks are willing to and desire to amend the
Existing Credit Agreement in the manner described above upon the terms and
conditions set forth herein.

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants and agreements set forth in the Existing Credit Agreement and herein,
and for other good and valuable consideration, the mutuality, receipt and
sufficiency of which are hereby acknowledged, the parties hereto hereby agree as
follows:

         1. Each capitalized term used herein, unless otherwise expressly
defined herein, shall have the meaning set forth in the Existing Credit
Agreement.

<PAGE>

         2. The following definition, as contained in ARTICLE 1 of the Existing
Credit Agreement, is hereby amended and restated in its entirety to read as
follows:

                  "Maturity Date" shall mean December 15, 2003; provided that
the Agent and the Banks shall have the option, in their sole, absolute
discretion, either one time or from time to time, to extend the Maturity Date
for an additional period not to exceed three hundred sixty four (364) days. If
the Maturity Date is extended, the term "Maturity Date" shall mean the date of
expiration of such extension.

         3. The Company represents and warrants that no Event of Default has
occurred to date under the Existing Credit Agreement or any other Loan Document
and that no Unmatured Event of Default currently exists under any of the Loan
Documents.

         4. This First Amendment may be executed in one or more counterparts,
each of which shall constitute an original and all of the same shall constitute
one and the same instrument.

         5. This First Amendment shall be effective as of the date of delivery
to the Agent of each of the following: (i) this First Amendment and each of the
other agreements and instruments referred to herein or related hereto, each duly
executed by each of the parties thereto, and (ii) all such other security
documents, opinions, instruments and certificates as may be required by the
Agent or its counsel in order to consummate the transactions contemplated
herein.

         6. This First Amendment and the related writings and the respective
rights and obligations of the parties shall be governed by, and construed and
enforced in accordance with, the laws of the Commonwealth of Kentucky.

         7. This First Amendment shall be binding upon, and shall inure to the
benefit of, the Company, the Banks and the Agent and their respective successors
and assigns.

         8. This First Amendment and the agreements, instruments and other
documents referred to herein, constitute the entire agreement of the parties
with respect to, and supersede all prior understandings of the parties with
respect to the subject matter hereof. No change, modification, addition or
termination of this First Amendment shall be enforceable unless in writing
signed by the party against whom enforcement is sought.

         9. Each of United and Portland hereby makes, declares, ratifies and/or
reaffirms, as applicable, all of the representations, warranties, covenants,
agreements and obligations set forth in the Existing Credit Agreement and each
of the other Loan Documents, as amended and modified hereby, as each of the same
apply to United and Portland individually or collectively as the Company (as
redefined herein), as applicable.

         [The remainder of this page has intentionally been left blank]

                                       2

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this First Amendment
to Warehousing Credit Agreement to be duly executed as of the day and year first
above written.

                                    UNITED FINANCIAL MORTGAGE CORP.

                                    By: /s/ Steve Khoshabe
                                        ----------------------------------------

                                    Title: President

                                    PORTLAND MORTGAGE COMPANY

                                    By: /s/ Steve Khoshabe
                                        ----------------------------------------

                                    Title: Chairman

                                             (collectively, the "Company")

                                    NATIONAL CITY BANK OF KENTUCKY

                                    By: /s/ Paul Best
                                        ----------------------------------------

                                    Title: Senior Vice President
                                           -------------------------------------

                                    BANK ONE, NA

                                    By: /s/ Angela Izzo
                                        ----------------------------------------

                                    Title: Vice President
                                           -------------------------------------

                                       3

<PAGE>

                                    WEST SUBURBAN BANK

                                    By: /s/ Michael Brosnahan
                                        ----------------------------------------

                                    Title: Senior Vice President
                                           -------------------------------------

                                    COMERICA BANK

                                    By: /s/ Robert Marr
                                        ----------------------------------------

                                    Title: Vice President
                                           -------------------------------------

                                    COLONIAL BANK

                                    By: /s/ Amy Nunneley
                                        ----------------------------------------

                                    Title: Senior Vice President
                                           -------------------------------------

                                                 (collectively, the "Banks")

                                    NATIONAL CITY BANK OF KENTUCKY

                                    By: /s/ Paul Best
                                        ----------------------------------------

                                    Title: Senior Vice President
                                           -------------------------------------

                                                 (the "Agent")

                                       4

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