Document:

Exhibit 10.29

                               AMENDMENT NO.16
                        TO MASTER REPURCHASE AGREEMENT

          Amendment No.  15, dated  as of  May 11,  2004 (this  "Amendment"),
 between CREDIT SUISSE FIRST  BOSTON MORTGAGE CAPITAL  LLC (the "Buyer")  and
 UMTED 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 and  Amendment No. 15, dated as of  April
 22, 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.  Definitions. Section  2  of  the  Existing  Repurchase
 Agreement is hereby  amended by  deleting clause  (a) of  the definition  of
 "Pricing Rate" in its entirety and replacing it with the following language:

          "(a)  1.00% with respect  to Transactions the subject of which  are
 Conforming Mortgage Loans  (other than Wet-Ink  Mortgage Loans, Aged  Loans,
 Second Lien Mortgage Loans or Non-Performing Mortgage Loans);"

          Section  2.  Conditions  Precedent.  This  Amendment  shall  become
 effective on May 11, 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.

          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]

<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: /s/ Bruce S. Kaiserman
                                     ------------------------------
                                 Name:  Bruce S. Kaiserman
                                 Title: Vice President

           Seller:               UNITED FINANCIAL MORTGAGE CORP.,
                                 as Seller

                                 By: /s/ Steve Y. Khoshabe
                                     ------------------------------
                                 Name:   Steve Y. Khoshabe
                                 Title:  President/CEOExhibit 10.30

                               AMENDMENT NO. 17
                        TO MASTER REPURCHASE AGREEMENT

           Amendment No. 17, dated as of August 24, 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 and Amendment No. 16, dated as of May 11,
 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. Definitions.   Section  2 of  the  Existing  Repurchase
 Agreement is hereby amended by amended by:

          1.1  deleting the  definitions of  "Adjusted Tangible  Net  Worth",
 "Electronic Tracking Agreement", "Market Value", "Maximum Aggregate Purchase
 Price", "Pricing Rate", "Purchase Price Percentage", "Termination Date"  and
 "Test Period"  in  their entirety  and  replacing them  with  the  following
 language:

           ""Adjusted Tangible Net Worth" means, for any Person, Net Worth of
 such Person plus 1% of the  outstanding servicing portfolio balance of  such
 Person plus Subordinated Debt (provided that Subordinated Debt shall not  be
 taken into account to the extent  that it would cause Adjusted Tangible  Net
 Worth  to  be  comprised  of  greater  than  25%  Subordinated  Debt), minus
 all intangible  assets, including  capitalized servicing  rights,  goodwill,
 patents, tradenames, trademarks, copyrights, franchises, any  organizational
 expenses, deferred expenses, prepaid  expenses, prepaid assets,  receivables
 from shareholders, Affiliates or employees, and any other asset as shown  as
 an intangible asset  on the balance  sheet of the  Seller on a  consolidated
 basis as determined at a particular date in accordance with GAAP."

           ""Electronic Tracking  Agreement"  means  an  Electronic  Tracking
 Agreement among  Buyer,  Seller, MERS  and  MERSCORP, Inc.,  to  the  extent
 applicable as the same may be amended from time to time."

            ""Market Value"  means, with  respect to  any Purchased  Mortgage
 Loan as of any date of determination, the whole loan servicing retained fair
 market value of such Purchased Mortgage  Loan on such date as determined  by
 Buyer (or an Affiliate  thereof) in its sole  discretion.  Without  limiting
 the generality of the foregoing, Seller  acknowledges that the Market  Value
 of a Purchased Mortgage Loan may be reduced to zero by Buyer if:

           (i)  a breach of  a representation, warranty  or covenant made  by
      Seller in this Agreement with respect  to such Purchased Mortgage  Loan
      has occurred and is continuing;

           (ii)  such Purchased Mortgage Loan is  more than  (a) twenty  nine
      (29) days past due,  other than a Non-Performing  Mortgage Loan or  (b)
      one hundred eighty (180) days past due or foreclosed upon or  otherwise
      liquidated for Non-Performing Mortgage Loans;

           (iii)     such Purchased Mortgage Loan has been released from  the
      possession of the Custodian under  the Custodial Agreement (other  than
      to a Take-out  Investor pursuant to  a Bailee Letter)  for a period  in
      excess of ten (10) calendar days;

           (iv)  such Purchased Mortgage Loan  has been  released  from  the
      possession of the Custodian under the Custodial Agreement to a Take-out
      Investor pursuant  to a  Bailee Letter  for a  period in  excess of  45
      calendar days;

           (v)  such  Purchased  Mortgage   Loan  has  been   subject  to   a
      Transaction hereunder for a period of greater than (a) 60 days for  all
      Mortgage Loans other than Aged Loans  (b) 90 days with respect to  each
      Ninety Day Aged Loan or (c) 180  days with respect to each One  Hundred
      Eighty Day Aged Loan;

           (vi) such Purchased Mortgage Loan  is a Repurchased Mortgage  Loan
      which has  been subject  to a  Transaction hereunder  for a  period  of
      greater than 180 days;

           (vii)    such  Purchased Mortgage Loan is a Wet-Ink Mortgage  Loan
      for which  the  Wet-Ink  Documents  have  not  been  delivered  to  the
      Custodian on or  prior to the  seventh Business Day  after the  related
      Purchase Date;

           (viii)   when the Purchase Price for such  Purchased Mortgage Loan
      is added to  other Purchased Mortgage  Loans, the sum  of the  Purchase
      Price of  all (A)  Non-Performing Mortgage  Loans and  (B)  Repurchased
      Mortgage Loans  that  are, in  either  case, Purchased  Mortgage  Loans
      exceeds $2,000,000;

           (ix) when the Purchase Price for  such Purchased Mortgage Loan  is
      added to other Purchased Mortgage  Loans, the aggregate Purchase  Price
      of all Ninety Day Aged Loans that are Purchased Mortgage Loans  exceeds
      $7.5 million;

           (x)  when the Purchase Price for  such Purchased Mortgage Loan  is
      added to other Purchased Mortgage  Loans, the aggregate Purchase  Price
      of all One Hundred  Eighty Day Aged Loans  that are Purchased  Mortgage
      Loans exceeds $1.5 million;

           (xi) when the Purchase Price for  such Purchased Mortgage Loan  is
      added to other Purchased Mortgage  Loans, the aggregate Purchase  Price
      of all Second  Lien Mortgage Loans  that are  Purchased Mortgage  Loans
      exceeds $15 million;

           (xii)     when the Purchase Price for such Purchased Mortgage Loan
      is added  to other  Purchased Mortgage  Loans, the  aggregate  Purchase
      Price of all  Alt A Mortgage  Loans that are  Purchased Mortgage  Loans
      exceeds $40 million;

           (xiii)    when the Purchase Price for such Purchased Mortgage Loan
      is added  to other  Purchased Mortgage  Loans, the  aggregate  Purchase
      Price of all Sub-Prime Mortgage Loans that are Purchased Mortgage Loans
      exceeds $45 million;

           (xiv)     during the first  five (5)  Business Days  and the  last
      five (5) Business Days of each calendar month, when the Purchase  Price
      for such Purchased Mortgage Loan is  added to other Purchased  Mortgage
      Loans, the aggregate Purchase Price of all Wet-Ink Mortgage Loans  that
      are Purchased  Mortgage  Loans exceeds  40%  of the  Maximum  Aggregate
      Purchase Price;

           (xv) other than during the  first five (5)  Business Days and  the
      last five (5) Business Days of  each calendar month, when the  Purchase
      Price for  such Purchased  Mortgage Loan  is added  to other  Purchased
      Mortgage Loans, the  aggregate Purchase Price  of all Wet-Ink  Mortgage
      Loans that  are Purchased  Mortgage Loans  exceeds 30%  of the  Maximum
      Aggregate Purchase Price; or

           (xvi)     such Purchased Mortgage Loan is no longer acceptable for
      purchase by  Buyer (or  an Affiliate  thereof) under  any of  the  flow
      purchase or conduit programs  for which Seller  then has been  approved
      due to  a  Requirement of  Law  relating  to consumer  credit  laws  or
      otherwise."

           ""Maximum  Aggregate  Purchase  Price"  means  ONE  HUNDRED  FIFTY
      MILLION DOLLARS ($150,000,000). "

           ""Pricing Rate" means LIBOR plus:

           (a)  1.00% with respect to Transactions  the subject of which  are
      Conforming Mortgage  Loans (other  than  Wet-Ink Mortgage  Loans,  Aged
      Loans, Second  Lien Mortgage  Loans, Non-Performing  Mortgage Loans  or
      Repurchased Mortgage Loans);

           (b)  1.00% with respect to Transactions  the subject of which  are
      Jumbo Mortgage Loans  (other than Wet-Ink  Mortgage Loans, Aged  Loans,
      Second  Lien   Mortgage  Loans,   Non-Performing  Mortgage   Loans   or
      Repurchased Mortgage Loans);

           (c)  1.375% with respect to Transactions the subject of which  are
      Alt A Mortgage Loans  (other than Wet-Ink  Mortgage Loans, Aged  Loans,
      Second  Lien   Mortgage  Loans,   Non-Performing  Mortgage   Loans   or
      Repurchased Mortgage Loans);

           (d)  1.50% with respect to Transactions  the subject of which  are
      Sub-Prime Mortgage  Loans  (other  than Wet-Ink  Mortgage  Loans,  Aged
      Loans, Second  Lien Mortgage  Loans, Non-Performing  Mortgage Loans  or
      Repurchased Mortgage Loans);

           (e)  1.50% with respect to Transactions  the subject of which  are
      Wet-Ink Mortgage Loans;

           (f)  1.50% with respect to Transactions  the subject of which  are
      Second Lien  Mortgage Loans  (other than  One Hundred  Eighty Day  Aged
      Loans, Non-Performing Mortgage Loans or Repurchased Mortgage Loans);

           (g)  1.75% with respect to Transactions  the subject of which  are
      Ninety Day  Aged Loans  (other than  Non-Performing Mortgage  Loans  or
      Repurchased Mortgage Loans);

           (h)  1.75% with respect to Transactions  the subject of which  are
      Non-Performing Mortgage Loans (other than Repurchased Mortgage Loans);

           (i)  1.75% with respect to Transactions  the subject of which  are
      One Hundred  Eighty Day  Aged Loans  (other than  Repurchased  Mortgage
      Loans); or

           (j)  3.00% with respect to Transactions  the subject of which  are
      Repurchased Mortgage Loans.

           The Pricing  Rate  shall  change  in  accordance  with  LIBOR,  as
      provided in Section 5(a); provided, that in the event the daily average
      aggregate Purchase Price  of all  Purchased Mortgage  Loans subject  to
      Transactions hereunder exceeds the Pricing Rate Reduction Threshold  in
      a calendar month, the Pricing Rate for all Transactions that exceed the
      Pricing Rate Reduction Threshold  shall be reduced  by 0.125% for  such
      calendar month,  which  reduction  shall be  applied  to  the  weighted
      average Pricing Rate and shall be  reflected in the Price  Differential
      due on  the  next  succeeding  Price  Differential  Payment  Date;  and
      provided further that, in the event that the Seller shall sell to Buyer
      or an  Affiliate of  Buyer pursuant  to  one of  its flow  purchase  or
      conduit programs (but not including this Repurchase Agreement) Mortgage
      Loans in an  aggregate principal balance  of at least  30% of  Seller's
      eligible production volume  in any calendar  quarter, the Pricing  Rate
      shall be further reduced for such  calendar quarter by 0.10% per  annum
      multiplied by the average aggregate  outstanding Purchase Price of  all
      Purchased Mortgage  Loans  subject  to  Transactions  for  the  quarter
      divided by twelve  and multiplied by  three, which  reduction shall  be
      applied to the weighted average Pricing Rate and shall be reflected  in
      the Price Differential  due on the  next succeeding Price  Differential
      Payment Date."

           ""Purchase Price Percentage" means, with respect to each  Mortgage
 Loan, the following percentage, as applicable:

           (a)  75% with respect  to Transactions  the subject  of which  are
      Repurchased Mortgage Loans;

           (b)  95% with respect  to Purchased Mortgage  Loans that are  Non-
      Performing Mortgage Loans (other than Repurchased Mortgage Loans);

           (c)  95% with respect  to Purchased  Mortgage Loans  that are  One
      Hundred Eighty Day Aged Loans (other than Repurchased Mortgage Loans);

           (d)  97% with respect to Purchased Mortgage Loans that are  Second
      Lien Mortgage  Loans (other  than  Non-Performing Mortgage  Loans,  One
      Hundred Eighty Day Aged Loans or Repurchased Mortgage Loans);

           (e)  98% with respect  to Purchased Mortgage  Loans that are  Sub-
      Prime Mortgage  Loans  (other  than  Repurchased  Mortgage  Loans,  One
      Hundred Eighty Day Aged Loans or Non-Performing Mortgage Loans);

           (f)  98% with respect to Purchased Mortgage  Loans that are Alt  A
      Mortgage Loans (other than  Non-Performing Mortgage Loans, One  Hundred
      Eighty Day Aged Loans or Repurchased Mortgage Loans);

           (g)  98% with respect to Purchased  Mortgage Loans that are  Jumbo
      Mortgage Loans (other than  Non-Performing Mortgage Loans, One  Hundred
      Eighty Day Aged Loans or Repurchased Mortgage Loans); or

           (h)  98% with respect  to Transactions  the subject  of which  are
 first lien  Conforming Mortgage  Loans (other  than Non-Performing  Mortgage
 Loans, One Hundred Eighty Day Aged Loans or Repurchased Mortgage Loans)."

           ""Termination Date" means the earlier of (a) August 25, 2005,  and
 (b) the date of the occurrence of an Event of Default."

           ""Test Period" means any fiscal quarter of the Seller."

          1.2 adding the following definitions  in their proper  alphabetical
 order:

           ""Buydown Account"  means a  buydown account,  established by  the
 Buyer and subject  to the sole  dominion and control  of the  Buyer with  no
 right of withdrawal by the Seller."

           ""Buydown  Amount"  has  the  meaning  provided  in  Section  5(c)
 hereof."

           ""Minimum Buydown Amount" means, as of any date of  determination,
 the difference  of (a)the  outstanding principal  balance of  the  Purchased
 Mortgage Loans and (b) the then outstanding Purchase Price of the  Purchased
 Mortgage Loans."

           Section 2. Price  Differential  and  Buydown.  Section  5  of  the
 Existing Repurchase  Agreement is  hereby amended  by adding  the  following
 Subsection c. to the end thereof:

           "c.  Seller may remit  to the  Buydown Account  funds in  $500,000
 increments up to the outstanding Purchase Price, to be held as  unsegregated
 cash  margin  and  collateral  for  all  Obligations  under  the  Repurchase
 Agreement (such amount, to the extent  not applied to Obligations under  the
 Repurchase Agreement, the "Buydown  Amount").  The  Buydown Amount shall  be
 used by  Buyer in  order to  calculate the  Price Differential,  which  will
 accrue on  the Purchase  Price then  outstanding minus  the Buydown  Amount,
 applied to Transactions involving Conforming Mortgage Loans, Jumbo  Mortgage
 Loans, Alt-A  Mortgage  Loans,  Sub-Prime Mortgage  Loans  and  Second  Lien
 Mortgage Loans.  Subject to the  other provisions of this Section 5(c),  the
 Seller shall be  entitled to  request a drawdown  of the  Buydown Amount  or
 remit additional funds to be added  to the Buydown Account in increments  of
 $500,000 no more  than one time  per week.   The Seller shall  at all  times
 maintain an amount equal  to or greater than  the Minimum Buydown Amount  in
 the Buydown Account.   In the event  that funds in  the Buydown Account  are
 less than  the Minimum  Buydown  Amount, Seller  shall  remit funds  to  the
 account within one Business Day such  that the funds in the Buydown  Account
 are greater or equal  to the Minimum  Buydown Amount.   The Seller shall  be
 charged an administrative fee for administering the Buydown Amount equal  to
 0.50% per annum of the average Buydown  Amount on deposit with Buyer, to  be
 charged on a monthly basis and to be  remitted by the Seller with the  Price
 Differential then  due  on  the related  Price  Differential  Payment  Date;
 provided, however,  that such  administrative fee  shall be  waived for  any
 month in which Seller's average daily Purchase Price for such month  exceeds
 50%  of  the  Maximum  Aggregate  Purchase  Price.    Without  limiting  the
 generality of  the foregoing,  in the  event  that a  Margin Call  or  other
 Default exists, the Buyer shall be entitled to use any or all of the Buydown
 Amount to cure such circumstance or otherwise exercise remedies available to
 the Buyer without prior notice to, or consent from, the Seller.  As long  as
 the  Minimum  Buydown  Amount   is  maintained  then,  notwithstanding   the
 definition of  "Purchase Price",  the Buyer  shall remit  purchase  proceeds
 equal to the outstanding principal balance  of the Purchased Mortgage  Loans
 subject to a Transaction and, for  the purposes of this Section (other  than
 the definition of Buydown Amount) the Purchase Price shall be considered the
 amount of  proceeds remitted  to the  Seller by  the Buyer  as  contemplated
 hereby."

           Section 3. Covenants.   Section  14  of  the  Existing  Repurchase
 Agreement is  hereby  amended  by deleting  Subsection  a.  thereof  in  its
 entirety and replacing it with the following language:

           "a.  Adjusted  Tangible  Net  Worth.  Seller  shall  maintain   an
 Adjusted Tangible Net Worth of a least $18 million."

           Section 4. Reports.     Section  17  of  the  Existing  Repurchase
 Agreement is hereby amended by adding the after Subsection a.(10)(h) thereto
 the following language as Subsection a.(10)(i):

           "(i) any material  change  in  the  Indebtedness  of  the  Seller,
 including,  without   limitation,   any   default,   renewal,   non-renewal,
 termination, increase in  available amount or  decrease in available  amount
 related thereto;"

           Section 5.    Notices  and  Other  Communications.   The  Existing
 Repurchase  Agreement is  hereby  amended by  deleting  Section  20  in  its
 entirety and replacing it with the following language:

           "Any and all notices (with  the exception of Transaction  Requests
 or Purchase Confirmations,  which shall  be delivered  via facsimile  only),
 statements, demands  or other  communications hereunder  may be  given by  a
 party to the other by mail, facsimile, messenger or otherwise to the address
 specified below, or so sent to such party at any other place specified in  a
 notice of change of address hereafter  received by the other.  All  notices,
 demands and requests hereunder may be made orally, to be confirmed  promptly
 in writing,  or  by  other  communication  as  specified  in  the  preceding
 sentence.

           If to Seller:

                United Financial Mortgage Corp.
                815 Commerce Drive, Suite 100
                Oak Brook, IL  60523
                Attention:  Steve Khoshabe
                Phone Number: 630.571.7222 ext. 122

           with a copy to:

                Michael Kraft, Attorney at Law
                815 Commerce Drive, Suite 100
                Oak Brook, IL  60523

           If to Buyer:

           For Transaction Requests and Purchase Confirmations:
           ---------------------------------------------------

                Credit Suisse First Boston Mortgage Capital LLC
                302 Carnegie Center, 2nd Floor
                Princeton, NJ  08540
                Attention:     Tim Callahan
                Phone Number:  609-627-5053
                Fax Number:    609-627-5080

           For all other Notices:
           ---------------------

                Credit Suisse First Boston Mortgage Capital LLC
                302 Carnegie Center, 2nd Floor
                Princeton, NJ  08540
                Attention:     Gary Timmerman
                Phone Number:  609-627-5026
                Fax Number:    609-627-5080

           with a copy to:

                Credit Suisse First Boston Mortgage Capital LLC
                Eleven Madison Avenue
                New York, NY 10010
                Attention: Legal Department"

           Section 6. Confidentiality.  Section 32 of the Existing Repurchase
 Agreement is hereby amended by replacing the phrase "federal tax  treatment"
 with "federal, state and local tax treatment" throughout that section.

           Section 7. Acknowledgement of Anti-Predatory Lending Policies. The
 Existing Repurchase Agreement is hereby amended  by adding after Section  35
 the following Section 36:

           "36.  Acknowledgement Of Anti-Predatory Lending Policies

           Buyer has in place internal policies and procedures that expressly
 prohibit its purchase of any High Cost Mortgage Loan."

           Section 8. Representations  and  Warranties  with  Respect  to the
 Purchased Mortgage Loans. Schedule 1 of the Existing Repurchase Agreement is
 hereby amended by deleting sub-clause (ee) in its entirety and replacing  it
 with the following language:

           "(ee)  Servicemembers  Civil  Relief  Act.  The Mortgagor has  not
 notified Seller, and  Seller has no  knowledge, of any  relief requested  or
 allowed to the Mortgagor under the Servicemembers Civil Relief Act of 2003."

           Section 9. Exhibits.  The Existing Repurchase  Agreement is hereby
 amended by deleting Exhibit D thereto in its entirety and replacing it  with
 Exhibit A attached hereto.

           Section 10.  Conditions  Precedent.   This  Amendment shall become
 effective on August 24,  2004 (the "Amendment  Effective Date"), subject  to
 the satisfaction of the following conditions precedent:

          10.1  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.

         10.2 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 $2,500.

           Section 11.  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 12.  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 13.  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 14.  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]

<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: /s/ Bruce S. Kaiserman
                                     ------------------------------
                                 Name:  Bruce S. Kaiserman
                                 Title: Vice President

           Seller:               UNITED FINANCIAL MORTGAGE CORP.,
                                 as Seller

                                 By: /s/ Steve Y. Khoshabe
                                     ------------------------------
                                 Name:   Steve Y. Khoshabe
                                 Title:  President/CEO

<PAGE>

                            Exhibit A to Amendment No. 17

                                                                    EXHIBIT D

                       OFFICER'S COMPLIANCE CERTIFICATE
                       --------------------------------

           I, ___________________, do hereby certify that I am duly  elected,
 qualified  and  authorized  officer  of  United  Financial  Mortgage   Corp.
 ("Seller").  This Certificate is delivered to you in connection with Section
 17b(2) of  the Master  Repurchase Agreement  dated as  of August  29,  2001,
 between Seller  and Credit  Suisse First  Boston  Mortgage Capital  LLC,  as
 amended (the "Agreement").   I hereby certify  that, as of  the date of  the
 financial statements attached hereto  and as of the  date hereof, Seller  is
 and has been in compliance with all the terms of the Agreement and,  without
 limiting the generality of the foregoing, I certify that:

           (a)  Adjusted Tangible  Net  Worth.   Seller  has  maintained   an
      Adjusted Tangible  Net Worth  of at  least   $18 million.   A  detailed
      summary of the calculation of the Seller's actual Adjusted Tangible Net
      Worth is provided in Schedule 1 hereto.

           (b) Indebtedness  to Adjusted  Tangible Net Worth Ratio.  Seller's
      ratio of Indebtedness to Adjusted Tangible  Net Worth has not  exceeded
      15:1.

           (c) Maintenance of Profitability.  Seller  has not permitted,  for
      any Test  Period, Net  Income  for such  Test  Period determined  on  a
      monthly  basis,  before   income  taxes  for   such  Test  Period   and
      distributions made during such Test Period, to be less than $1.00.

           (d) Insurance.    Seller or its  Affiliates have  maintained,  for
      Seller and its subsidiaries and [Name], insurance coverage with respect
      to employee dishonesty, forgery or alteration, theft, disappearance and
      destruction, robbery and safe burglary, property (other than money  and
      securities) and  computer fraud  or an  aggregate  amount of  at  least
      $_____________.  The actual amount of such coverage is $_____________.

           (e) Financial  Statements.   The  financial  statements   attached
      hereto are  accurate and  complete,  accurately reflect  the  financial
      condition of the Seller, and  do not omit any  material fact as of  the
      date(s) thereof.

           (f) Documentation.    Seller  has   performed  the   documentation
      procedures required  by  its  operational guidelines  with  respect  to
      endorsements and assignments, including the recordation of assignments,
      or has verified that such documentation procedures have been  performed
      by a prior holder of such Mortgage Loan.

           (g) Compliance.  Seller has observed or performed in all  material
      respects all of its covenants and other agreements, and satisfied every
      condition, contained in the Agreement and the other Program  Agreements
      to be observed, performed and satisfied by it.  [If a covenant or other
      agreement or condition  has not been  complied with  by Seller,  Seller
      shall describe such  lack of  compliance and  provide the  date of  any
      related waiver thereof.]

           (h) Regulatory  Action.      Seller   is   not   currently   under
      investigation or,  to  best  of  the  related  Seller's  knowledge,  no
      investigation by  any  federal, state  or  local government  agency  is
      threatened.   Seller  has  not  been  the  subject  of  any  government
      investigation which  has  resulted  in  the  voluntary  or  involuntary
      suspension of a license, a cease and desist order, or such other action
      as could adversely impact the Seller's business.  [If so, Seller  shall
      describe the situation  in reasonable  detail and  describe the  action
      that Seller has taken or proposes to take in connection therewith.]

           (i) No Default.  No Default or Event of Default has occurred or is
      continuing.  [If any  Default or Event of  Default has occurred and  is
      continuing, Seller shall  describe the  same in  reasonable detail  and
      describe the action Seller has taken  or proposes to take with  respect
      thereto, and if  such Default or  Event of Default  has been  expressly
      waived by Buyer in writing, Seller shall describe the Default or  Event
      of Default and provide the date of the related waiver.]

           (j) Indebtedness.    All  Indebtedness  (other  than  Indebtedness
      evidenced by the Repurchase Agreement) of  Seller existing on the  date
      hereof is listed on Schedule 2 hereto.

           (k) Purchased Mortgage  Loans.  Attached hereto as Schedule 3 is a
      true and correct list of all Mortgage Loans purchased by Buyer and held
      by Custodian pending repurchase.

           (l) Originations.   Attached  hereto as Schedule  4 is  a true and
      correct summary of all  Mortgage Loans originated  by Buyer during  the
      calendar quarter ending on [DATE].

 IN WITNESS WHEREOF, I have set my hand this _____ day of ________, ________.

                                       By:_____________________________
                                       Name:___________________________
                                       Title:__________________________

 Acknowledged and Agreed,

 UNITED FINANCIAL MORTGAGE CORP.
 By:_______________________________________
 Name: _______________________________________
 Title: _______________________________________

<PAGE>

                SCHEDULE 1 TO OFFICER'S COMPLIANCE CERTIFICATE
                ----------------------------------------------

                     CALCULATIONS OF FINANCIAL COVENANTS
                        As of the quarter ended [Date]

 I.     Adjusted Tangible Net Worth
        ---------------------------

 1.     Net Worth (book)                                            $

        Plus:

 2.     Subordinated Debt (maturity > CSFB line maturity)           $

 3.     1% of outstanding servicing portfolio balance               $

 I.(a)  Total of items 1-3                                          $

        Less:

 4.     Capitalized servicing balance                               $

 5.     Goodwill                                                    $

 6.     Receivables or advances due from                            $
        shareholders, affiliates, employees or
        related parties

 7.     Trademarks                                                  $

 8.     Patents                                                     $

 9.     Capitalized organizational expenses                         $

 10.    Copyrights                                                  $

 11.    Tradenames                                                  $

 12.    Franchises                                                  $

 13.    Deferred Charges                                            $

 14.    Prepaid assets                                              $

 15.    Any other intangible assets                                 $

                                                                    $
 I.(b)  Total of items 4-15

 I.(c)  Actual Adjusted Tangible Net Worth (a minus b)              $

        Adjusted Tangible Net Worth Covenant                        $

        Compliance?                                                 Yes / No

 II.    Leverage Ratio

        Total Debt divided by Adjusted Tangible Net Worth - Actual  xx.x

        Leverage Covenant                                           xx.x

        Compliance?                                                 Yes / No

<PAGE>

                SCHEDULE 2 TO OFFICER'S COMPLIANCE CERTIFICATE
                ----------------------------------------------

                 INDEBTEDNESS as of _________________________

                                                  OUTSTANDING
        LENDER           TOTAL COMMITMENT        INDEBTEDNESS
        ------           ----------------        ------------

        ------           ----------------        ------------
        ------           ----------------        ------------
        ------           ----------------        ------------
        ------           ----------------        ------------
        ------           ----------------        ------------
<PAGE>

                SCHEDULE 3 TO OFFICER'S COMPLIANCE CERTIFICATE
                ----------------------------------------------

                           PURCHASED MORTGAGE LOANS

<PAGE>

                SCHEDULE 4 TO OFFICER'S COMPLIANCE CERTIFICATE
                ----------------------------------------------

                      OVERALL MORTGAGE LOAN ORIGINATIONS

                          TOTAL NUMBER OF     AGGREGATE PRINCIPAL
                          MORTGAGE LOANS      BALANCE OF MORTGAGE
  MORTGAGE LOAN TYPE        ORIGINATED         LOANS ORIGINATED
  ------------------        ----------         ----------------

 Alt-A Mortgage Loans

 Conforming Mortgage Loans

 Jumbo Mortgage Loans

 Second Lien Mortgage Loans

 Sub-Prime Mortgage Loans

 Non-Performing Mortgage
          Loans

 Repurchased Mortgage Loans

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00071-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00071-of-00352.parquet"}]]