Document:

EX-10.1

EXHIBIT 10.1

ELEVENTH OMNIBUS AMENDMENT

THIS ELEVENTH OMNIBUS AMENDMENT (this “Amendment”), dated as of March 24, 2006, is
entered into by and among CH FUNDING, LLC (the “Borrower”), ATLANTIC ASSET SECURITIZATION
LLC, as an Issuer (“Atlantic”), LA FAYETTE ASSET SECURITIZATION LLC, as an Issuer (“La
Fayette”), FALCON ASSET SECURITIZATION CORPORATION, as an Issuer (“Falcon”), CALYON NEW
YORK BRANCH, as the Administrative Agent (the “Administrative Agent”), as a Bank and as a
Managing Agent (“Calyon”), JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (“JPMC”), as a
Bank and as a Managing Agent, U.S. BANK NATIONAL ASSOCIATION, as the Collateral Agent (“U.S.
Bank”), LLOYDS TSB BANK PLC, a banking corporation organized under the laws of England
(hereinafter, together with its successors and assigns, “Lloyds”), as a Bank, and DHI
MORTGAGE COMPANY, LTD., as the Servicer (the “Servicer”) and as the Seller (the
“Seller”). Capitalized terms used and not otherwise defined herein are used as defined in
the related Operative Documents (as defined below).

RECITALS

WHEREAS, the Servicer, as the Seller, and the Borrower, as the Purchaser, entered into that
certain Master Repurchase Agreement and Addendum to the Master Repurchase Agreement incorporated
therein, dated as of July 9, 2002, as amended by the Omnibus Amendment, dated as of August 26,
2002, by and among the Borrower, Atlantic, the Administrative Agent, and the Servicer (the
“First Omnibus Amendment”) and the Second Omnibus Amendment, dated as of November 25, 2002,
by and among the Borrower, Atlantic, the Administrative Agent and the Servicer (the “Second
Omnibus Amendment”) (as the same may be amended, restated, supplemented or modified from time
to time, the “Repurchase Agreement”);

WHEREAS, the Borrower, the Administrative Agent and U.S. Bank entered into that certain
Collateral Agency Agreement, dated as of July 9, 2002, as amended by the First Omnibus Amendment
and the Second Omnibus Amendment (the “Collateral Agency Agreement”);

WHEREAS, the Borrower, as Debtor, the Administrative Agent, U.S. Bank and the Servicer entered
into that certain Security Agreement, dated as of July 9, 2002, as amended by the Third Omnibus
Amendment, dated as of April 18, 2003, by and among the Borrower, Atlantic, the Administrative
Agent and the Servicer (the “Third Omnibus Amendment”) (as the same may be amended,
restated, supplemented or modified from time to time, the “Security Agreement”);

WHEREAS, the Borrower, Atlantic, Falcon, JPMC, Lloyds, the Administrative Agent, and the
Servicer, have entered into that certain Amended and Restated Loan Agreement, dated as of July 25,
2003, which incorporates the Loan Agreement amendments contained in the First Omnibus Amendment,
the Second Omnibus Amendment and the Third Omnibus Amendment and completely replaces and supplants
such Omnibus Amendments (as the same may be amended, restated, supplemented or modified from time
to time, the “Restated Loan Agreement” and, collectively with the Repurchase Agreement, the
Collateral Agency Agreement and the Security Agreement, the “Operative Documents);

WHEREAS, the Borrower, the Administrative Agent, U.S. Bank and the Servicer have entered into
that certain Fourth Omnibus Amendment, dated as of July 25, 2003, which completely replaced and
supplanted the preceding Omnibus Amendments;

WHEREAS, the Borrower, Calyon, U.S. Bank, JPMC, Lloyds, Danske Bank A/S, Cayman Islands Branch
(together with its successors and assigns, “Danske”), and the Servicer entered into the
Fifth Omnibus Amendment, dated as of December 22, 2003 (the “Fifth Omnibus Amendment”),
relating to certain amendments to the Operative Documents;

WHEREAS, the Borrower, Calyon, JPMC, Lloyds, Danske, and the Servicer entered into the Sixth
Omnibus Agreement, dated as of July 7, 2004 (the “Sixth Omnibus Amendment”), relating to
certain amendments to the Operative Documents;

WHEREAS, the Borrower, Calyon, JPMC, Lloyds, Danske, and the Servicer entered into the Seventh
Omnibus Agreement, dated as of June 29, 2005 (the “Seventh Omnibus Amendment”), relating to
certain amendments to the Operative Documents;

WHEREAS, the Borrower, Calyon, JPMC, Lloyds, U.S. Bank, Atlantic, La Fayette, Falcon and the
Servicer entered into the Eighth Omnibus Agreement, dated as of September 26, 2005 (the “Eighth
Omnibus Amendment”), relating to certain amendments to the Operative Documents;

WHEREAS, the Borrower, Calyon, JPMC, Lloyds, U.S. Bank, Atlantic, La Fayette, Falcon and the
Servicer entered into the Ninth Omnibus Agreement, dated as of September 29, 2005 (the “Ninth
Omnibus Amendment”), relating to certain amendments to the Operative Documents;

WHEREAS, the Borrower, Calyon, JPMC, Lloyds, U.S. Bank, Atlantic, La Fayette, Falcon and the
Servicer entered into the Tenth Omnibus Agreement, dated as of February 28, 2006 (the “Tenth
Omnibus Amendment”), relating to certain amendments to the Operative Documents;

WHEREAS, via certain assignment agreements, Danske assigned 100% of its interest to Calyon and
Calyon assigned a portion of such interest to Lloyds; and

WHEREAS, the parties hereto desire to further amend the Operative Documents as hereinafter set
forth.

NOW, THEREFORE, the parties agree as follows:

Section 1. Amendment to Repurchase Agreement.

a. Article I is hereby amended by deleting both occurrences of the words “listed on Schedule
IV” in clause (l) of the proviso to the definition of “Collateral Value” therein.

b. Article I is hereby amended by deleting the words “listed on Schedule IV to the Collateral
Agency Agreement” in the definition of “Extended Time Period” therein.

	 	 	Section 2. Amendment to Collateral Agency Agreement.

a. Exhibit D-1 is hereby amended by deleting both occurrences of the words “listed on Schedule
IV” in clause (l) of the proviso to the definition of “Collateral Value” therein.

b. Exhibit D-1 is hereby amended by deleting the words “listed on Schedule IV to the
Collateral Agency Agreement” in the definition of “Extended Time Period” therein.

c. Exhibit D-1 is hereby amended by deleting the definition of “Maximum Facility Amount”
therein and replacing it with the following definition:

“Maximum Facility Amount” means $650,000,000, as such amount may be
reduced pursuant to Section 2.1(c) of the Loan Agreement.

d. Section 3.4(b)(i) is hereby amended by deleting the proviso at the end thereof in its
entirety.

e. Schedule III, Approved Investors, is hereby deleted in its entirety and replaced with the
new Schedule III, attached hereto as Annex A hereto.

f. Schedule IV, Approved Investors with Extended Time Periods, is hereby deleted in its
entirety.

g. The form of Exhibit D-6(a), “Bailee and Security Agreement Letter for Approved Investors,”
is hereby deleted in its entirety and replaced with the new Exhibit D-6(a), attached as Annex
B hereto.

h. The form of Exhibit D-6(c), “Bailee and Security Agreement Letter for Approved Investors
Listed on Schedule IV,” is hereby deleted in its entirety.

	 	 	Section 3. Amendment to Restated Loan Agreement.

a. Article I is hereby amended by deleting both occurrences of the words “listed on Schedule
IV” in clause (l) of the proviso to the definition of “Collateral Value” therein.

b. Article I is hereby amended by deleting the words “listed on Schedule IV to the Collateral
Agency Agreement” in the definition of “Extended Time Period” therein.

c. The definition of “Issuer Facility Amount” is hereby deleted in its entirety and replaced
with the following definition:

“Issuer Facility Amount” means (a) with respect to Atlantic and La
Fayette, on an aggregate basis, $550,000,000, and (b) with respect to
Falcon, on an aggregate basis, $100,000,000. Any reduction (or termination)
of the Maximum Facility Amount pursuant to the terms of this Agreement shall
reduce ratably (or terminate) the Issuer Facility Amount of each Issuer.

d. The definition of “Maximum Facility Amount” is hereby deleted in its entirety and replaced
with the following definition:

“Maximum Facility Amount” means $650,000,000, as such amount may be
reduced pursuant to Section 2.1(c) of this Agreement.”

e. Schedule I is hereby deleted in its entirety and replaced with Schedule I, Bank Commitments
and Percentages, attached as Annex C hereto.

f. Schedule II, Approved Investors, is hereby deleted in its entirety and replaced with the
new Schedule II, attached hereto as Annex A hereto.

g. The form of Exhibit D-6(a), “Bailee and Security Agreement Letter for Approved Investors,”
is hereby deleted in its entirety and replaced with the new Exhibit D-6(a) attached as Annex
B hereto.

h. The form of Exhibit D-6(c), “Bailee and Security Agreement Letter for Approved Investors
Listed on Schedule IV,” is hereby deleted in its entirety.

	 	 	Section 4. Operative Documents in Full Force and Effect as Amended.

Except as specifically amended hereby, all of the provisions of the Operative Documents and
all of the provisions of all other documentation required to be delivered with respect thereto
shall remain in full force and effect from and after the date hereof.

	 	 	Section 5. Miscellaneous.

a. This Amendment may be executed in any number of counterparts and by different parties
hereto in separate counterparts, each of which when so executed shall be deemed to be an original
and all of which when taken together shall not constitute a novation of any Operative Document, but
shall constitute an amendment thereof. The parties hereto agree to be bound by the terms and
conditions of each Operative Document, as amended by this Amendment, as though such terms and
conditions were set forth herein

b. The descriptive headings of the various sections of this Amendment are inserted for
convenience of reference only and shall not be deemed to affect the meaning or construction of any
of the provisions hereof.

c. This Amendment may not be amended or otherwise modified except as provided in each
respective Operative Agreement.

d. This Amendment and the rights and obligations of the parties under this amendment shall be
governed by, and construed in accordance with, the laws of the state of New York (without giving
effect to the conflict of laws principles thereof, other than Sections 5-1401 and 5-1402 of the New
York General Obligations Law, which shall apply hereto).

{Signatures appear on the following pages.}

1

IN WITNESS WHEREOF, the parties have agreed to and caused this Amendment to be executed by
their respective officers thereunto duly authorized, as of the date first above written.

BORROWER: CH FUNDING, LLC

By: /s/Mark C. Winter

Name: Mark C. Winter

Title: VP

ADMINISTRATIVE AGENT, CALYON NEW YORK BRANCH

BANK, AND MANAGING

AGENT:

By: /s/Anthony Brown

Name: Anthony Brown

Title: Vice President

By: /s/ Kostantina Kourmpetis

Name: Kostantina Kourmpetis

Title: Managing Director

ISSUER: ATLANTIC ASSET SECURITIZATION LLC

By: Calyon New York Branch, as Attorney in Fact

By: /s/Anthony Brown

Name: Anthony Brown

Title: Vice President

By: /s/ Kostantina Kourmpetis

Name: Kostantina Kourmpetis

Title: Managing Director

{Signatures continue on the following page.}

ISSUER: LA FAYETTE ASSET SECURITIZATION LLC

By: Calyon New York Branch, as Attorney in Fact

By: /s/ Anthony Brown

Name: Anthony Brown

Title: Vice President

By: /s/ Kostantina Kourmpetis

Name: Kostantina Kourmpetis

Title: Managing Director

BANK AND

MANAGING AGENT: JPMORGAN CHASE BANK, N.A.

By: /s/Jill T. Lane

Name: Jill T. Lane

Title: Vice President

ISSUER: FALCON ASSET SECURITIZATION CORPORATION

By: /s/Jill T. Lane

Name: Jill T. Lane

Title: Vice President

SELLER AND SERVICER: DHI MORTGAGE COMPANY, LTD.

By: DHI Mortgage Company GP, Inc., formerly known as CH Mortgage Company GP, Inc., its general

partner

By: /s/Mark C. Winter

Name: Mark C. Winter

Title: EVP, CFO

2

BANK: LLOYDS TSB BANK PLC

By: ./s/Daniela Chun

Name: Daniela Chun

Title: Assistant Vice President

Structured Finance, USA

C-031

By: /s/Ian Dimmock

Name: Ian Dimmock

Title: Vice President

Structured Finance

D080

COLLATERAL AGENT: U.S. BANK NATIONAL ASSOCIATION

By: /s/Edwin D. Jenkins

Name: Edwin D. Jenkins

Title:SeniorVicePresident

3

ANNEX A

SCHEDULE II TO LOAN AGREEMENT / 

SCHEDULE III TO COLLATERAL AGENCY AGREEMENT

APPROVED INVESTORS

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Investors Name	 	Fitch	 	Moody's	 	S&P	 	Concentration Limit
	Bank of America
	 	AA-/F1+
	 	Aa2/P-1
	 	 	A+/A-1	 	 	NA

	Colorado Housing and Finance Authority
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Cendant
	 	BBB+/F2
	 	Baa1/P-2
	 	BBB+/A-2
	 	NA

	Charter Mortgage
	 	 	A-/F1	 	 	 	A3/P-2	 	 	NR
	 	NA

	CitiGroup Inc.
	 	AA+/F1+
	 	Aa1/P-1
	 	AA-/A-1+
	 	NA

	Colorado Housing and Finance Authority
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Countrywide
	 	 	A/F-1	 	 	 	A3/P-2	 	 	 	A/A-1	 	 	NA

	Deutsche Bank
	 	AA-/F1+
	 	Aa3/P-1
	 	AA-/A-1+
	 	NA

	EMC Mortgage
	 	 	A+/F-1+	 	 	 	A1/P-1	 	 	 	A/A-1	 	 	NA

	Federal National Mortgage Association
	 	NR
	 	Aaa/P-1
	 	AAA
	 	NA

	First Bank of Arizona
	 	NR
	 	NR
	 	NR
	 	 	10	%
	First Horizon Home Loans
	 	NR	 	NR	 	NR	 	 	10	%
	First Nationwide Mortgage Corp.
	 	NR
	 	NR
	 	NR
	 	 	10	%
	First Union Mortgage Corp.
	 	 	A+/F1	 	 	 	A1/P-1	 	 	 	A/A-1	 	 	NA

	Fleet
	 	 	A+/F1	 	 	 	A2	 	 	 	A+	 	 	NA

	GMAC
	 	BB/B
	 	Ba1
	 	BB/B-1
	 	 	10	%
	Greenpoint Mortgage
	 	BBB
	 	Baa1
	 	NR
	 	NA

	Goldman Sachs Group Inc.
	 	AA-/F1+
	 	Aa3/P-1
	 	 	A+/A-1	 	 	NA

	Guaranty Federal
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Homeside Lending Inc.
	 	A/WR	 	WR
	 	 	A2/P-1	 	 	NA

	IndyMac Bancorp, Inc.
	 	BBB-/F2
	 	NR
	 	BB+/B
	 	 	25	%
	JP Morgan Chase
	 	 	A+/F1	 	 	 	A1/P-1	 	 	 	A+/A-1	 	 	NA

	Leader Mortgage Corp.
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Lehman Brothers
	 	 	A+/F1+	 	 	 	A1/P-1	 	 	 	A+/A-1	 	 	NA

	Morgan Stanley
	 	AA-/F1+
	 	Aa3/P-1
	 	 	A+/A-1	 	 	NA

	National City Mortgage
	 	AA-/F1+
	 	 	A1	 	 	 	A/A-1	 	 	NA

	New Century Financial Corp.
	 	NR
	 	 	B1	 	 	BB
	 	 	10	%
	Novastar
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Ohio Savings Financial Corp.
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Opteum
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Option One
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Principal
	 	NR
	 	P	-1	 	 	 	A-1+	 	 	NA

	Resource Bankshare Mortgage
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Sebring Capital
	 	NR
	 	NR
	 	NR
	 	 	10	%
	SouthStar Funding
	 	NR
	 	NR
	 	NR
	 	 	10	%
	Suntrust Bank
	 	AA-/F1+
	 	Aa2/P-1
	 	AA-/A-1+
	 	NA

	Wachovia Corp.
	 	AA-/F1+
	 	Aa3/P-1
	 	 	A+/A-1	 	 	NA

	Wells Fargo
	 	AA/F1+
	 	Aa1/P-1
	 	AA-/A-1+
	 	NA

4

ANNEX B

EXHIBIT D-6(a)

FORM OF BAILEE AND SECURITY AGREEMENT LETTER 

FOR APPROVED INVESTORS 

 

DATE:

[Investor’s Name]

[Investor’s Address]

	 	 	 
	Re:

	 	DHI MORTGAGE COMPANY, LTD.:
	
 
	 	Sale of Mortgage Loans

Attached please find those Mortgage Loans listed separately on the attached schedule, which are
being delivered to you for purchase.

The Mortgage Loans comprise a portion of the Collateral under (and as the term “Collateral”
and capitalized terms not otherwise defined herein are defined in) that certain Loan Agreement
entered into as of July 9, 2002 (as it has been or may hereafter be amended, restated, supplemented
or otherwise modified from time to time), among CH FUNDING, LLC (the “Company”), the Issuer
and Banks parties thereto, CALYON NEW YORK BRANCH, in its capacity as administrative agent for the
“Lenders” (as defined therein) (in such capacity, the “Administrative Agent”), and DHI
MORTGAGE COMPANY, LTD. (“DHI Mortgage”), in its capacity as servicer thereunder, pursuant
to that certain Security Agreement among the Company, the Administrative Agent, and U.S. BANK
NATIONAL ASSOCIATION, in its capacity as the collateral agent (the “Collateral Agent”)
dated as of July 9, 2002 (as it has been or may hereafter be amended, restated, supplemented or
otherwise modified from time to time, the “Security Agreement”). DHI Mortgage is
reacquiring the Mortgage Loans from CH Funding and is offering such Mortgage Loans to you. Each of
the Mortgage Loans is subject to a security interest in favor of the Administrative Agent on behalf
of the Secured Parties, which security interest shall be automatically released upon your
remittance of the full amount of the purchase price of such Mortgage Loan (as set forth on the
schedule attached hereto) by wire transfer to the following account:

WIRE INSTRUCTIONS TO SETTLEMENT ACCOUNT:

U.S. Bank National Association, Minneapolis, MN

ABA#

For Credit to: CH Funding, LLC

Collection Account Number: 1047 5621 5240

Pending your purchase of each Mortgage Loan and until payment therefor is received, the aforesaid
security interest therein will remain in full force and effect, and you shall hold possession of
such Collateral and the documentation evidencing same as custodian, agent and bailee for and on
behalf of the Secured Parties. In the event any Mortgage Loan is unacceptable for purchase, return
the rejected item directly to the Collateral Agent at the address set forth below. The Mortgage
Loan must be so returned or sales proceeds remitted in full no later than ninety (90) calendar days
from the date hereof (or, with the consent of DHI Mortgage, such longer period, not to exceed one
hundred and nineteen (119) calendar days, as approved). In no event shall any Mortgage Loan be
returned to or sales proceeds remitted to DHI Mortgage or CH Funding; Mortgage Loans and/or sale
proceeds must be returned to the Collateral Agent and/or to the settlement account above. If you
are unable to comply with the above instructions, please so advise the undersigned immediately.

NOTE: BY ACCEPTING THE MORTGAGE LOANS DELIVERED TO YOU WITH THIS LETTER, YOU CONSENT TO BE
THE CUSTODIAN, AGENT AND BAILEE FOR THE SECURED PARTIES ON THE TERMS DESCRIBED IN THIS LETTER. THE
UNDERSIGNED, AS COLLATERAL AGENT, REQUESTS THAT YOU ACKNOWLEDGE RECEIPT OF THE ENCLOSED MORTGAGE
LOANS AND THIS LETTER BY SIGNING AND RETURNING THE ENCLOSED COPY OF THIS LETTER TO THE UNDERSIGNED;
HOWEVER, YOUR FAILURE TO DO SO DOES NOT NULLIFY SUCH CONSENT.

Sincerely,

U.S. BANK NATIONAL ASSOCIATION,

as the Collateral Agent

	 	 	By:

	 	 	Name:

	 	 	Title:

Address: 225 South Sixth Street

Mortgage Banking Services

EP-MN-M5M13

Minneapolis, MN55402-4302

ACKNOWLEDGEMENT OF RECEIPT:

[Investor]

By:

Name:

Title:

Datte:

5

Schedule of Mortgage Notes and Other Documents

6

ANNEX C

SCHEDULE I

	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	Bank Commitment
	 	Group Bank

	Bank
	 	Bank Commitment
	 	Percentage
	 	Percentage

	CALYON NEW YORK BRANCH
	 	 	 	 	 	 	 	 	 	 	 	 
	LLOYDS TSB BANK PLC
	 	 	 	 	 	 	 	 	 	 	 	 
	JP MORGAN CHASE BANK
	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	TOTAL
	 	$	650,000,000	 	 	 	100	%	 	 	100	%

7EX-10.2

EXHIBIT 10.2

NINTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

This NINTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”), made and
entered into as of March 24, 2006, is by and between DHI Mortgage Company, Ltd., a Texas limited
partnership (the “Borrower”), and U.S. Bank National Association, a national banking association
(the “Agent” and a “Lender”) and the other Lenders party hereto (collectively, the “Lenders”).

RECITALS

1. The Lenders and the Borrower entered into an Amended and Restated Credit Agreement dated as
of April 9, 2004 as amended by a First Amendment to Amended and Restated Credit Agreement dated as
of September 22, 2004, by a Second Amendment to Amended and Restated Credit Agreement dated as of
April 8, 2005, by a Third Amendment to Amended and Restated Credit Agreement dated as of June 23,
2005, by a Fourth Amendment to Amended and Restated Credit Agreement dated as of September 26,
2005, by a Fifth Amendment to Amended and Restated Credit Agreement dated as of September 28, 2005,
by a Sixth Amendment to Amended and Restated Credit Agreement dated as of October 28, 2005, by a
Seventh Amendment to Amended and Restated Credit Agreement dated as of November 30, 2005 and by an
Eighth Amendment to Amended and Restated Credit Agreement dated as of January 30, 2006 (as amended,
the “Credit Agreement”); and

2. The Borrower desires to increase the Aggregate Commitment Amount under the Credit Agreement
under the provisions of Section 10.11(d) and to make other changes to certain provisions of the
Credit Agreement and the Agent and the Lenders have agreed to make such amendments, subject to the
terms and conditions set forth in this Amendment.

AGREEMENT

NOW, THEREFORE, for good and valuable consideration, the receipt and adequacy of which are
hereby acknowledged, the parties hereto hereby covenant and agree to be bound as follows:

Section 1. Capitalized Terms. Capitalized terms used herein and not otherwise defined
herein shall have the meanings assigned to them in the Credit Agreement, unless the context shall
otherwise require.

Section 2. Amendments. The Credit Agreement is hereby amended as follows:

2.1 The definitions of “Aggregate Commitment Amounts” and “Approval Amount” are amended
in their entireties to read as follows:

“Aggregate Commitment Amounts”: means the total of the Commitment Amounts of the
Lenders, which is $450,000,000, subject to increase in accordance with Section 10.11(d), but not to
exceed $600,000,000.

“Approval Amount”: means with respect to U.S. Bank, $165,000,000.

2.2 Section 10.11(d) of the Credit Agreement is amended by deleting the phrase
“$450,000,000 ($600,000,000 on September 26 and 27, 2005, and $675,000,000 from September
28, 2005 through October 28, 2005)” and by inserting the following in its place
“$600,000,000”.

2.3 Schedule 5 to the Credit Agreement is deleted and Schedule 5 attached hereto is
inserted in its place as Schedule 5 to the Credit Agreement.

Section 3. Effectiveness of Amendments. The amendments contained in this Amendment
shall become effective on March 24, 2006 once executed by the Borrower and the Lenders and once the
Agent has received the following:

(a) This Amendment and any other documents reasonably required hereunder, including, without
limitation, Notes in favor of the Agent and JPMorgan Chase Bank, N.A. (together with this
Amendment, the “Amendment Documents”);

(b) A copy of the resolutions of the Board of Directors of the General Partner of the
Borrower authorizing the execution, delivery and performance of this Amendment and the Notes
certified as true and accurate by its Secretary or Assistant Secretary, along with a certification
by such Secretary or Assistant Secretary; and

(c) The Borrower shall have satisfied such other conditions as specified by the Agent,
including payment of all unpaid legal fees and expenses incurred by the Agent through the date of
this Amendment in connection with the Credit Agreement and the Amendment Documents.

Section 4. Representations, Warranties, Authority, No Adverse Claim.

4.1 Reassertion of Representations and Warranties, No Default. The Borrower
hereby represents that on and as of the date hereof and after giving effect to this
Amendment (a) all of the representations and warranties contained in the Credit Agreement
are true, correct and complete in all respects as of the date hereof as though made on and
as of such date, except for changes permitted by the terms of the Credit Agreement, and (b)
there will exist no Default or Event of Default under the Credit Agreement as amended by
this Amendment on such date which has not been waived by the Lenders.

4.2 Authority, No Conflict, No Consent Required. The Borrower represents and
warrants that the Borrower has the power and legal right and authority to enter into this
Amendment and has duly authorized as appropriate the execution and delivery of this
Amendment and other agreements and documents executed and delivered by the Borrower in
connection herewith by proper partnership action, and none of the Amendment Documents nor
the agreements contained herein or therein contravenes or constitutes a default under any
agreement, instrument or indenture to which the Borrower is a party or a signatory or a
provision of the Borrower’s partnership agreement or any other agreement or requirement of
law, or result in the imposition of any Lien on any of its property under any agreement
binding on or applicable to the Borrower or any of its property except, if any, in favor of
the Lenders. The Borrower represents and warrants that no consent, approval or
authorization of or registration or declaration with any Person, including but not limited
to any governmental authority, is required in connection with the execution and delivery by
the Borrower of the Amendment Documents or other agreements and documents executed and
delivered by the Borrower in connection therewith or the performance of obligations of the
Borrower therein described, except for those which the Borrower has obtained or provided and
as to which the Borrower has delivered certified copies of documents evidencing each such
action to the Lenders.

4.3 No Adverse Claim. The Borrower warrants, acknowledges and agrees that no
events have taken place and no circumstances exist at the date hereof which would give the
Borrower a basis to assert a defense, offset or counterclaim to any claim of the Lenders
with respect to the Obligations.

Section 5. Affirmation of Credit Agreement, Further References, Affirmation of Security
Interest. The Agent on behalf of the Lenders and the Borrower each acknowledge and affirm that
the Credit Agreement, as hereby amended, is hereby ratified and confirmed in all respects and all
terms, conditions and provisions of the Credit Agreement, except as amended by this Amendment,
shall remain unmodified and in full force and effect. All references in any document or instrument
to the Credit Agreement are hereby amended and shall refer to the Credit Agreement as amended by
this Amendment. The Borrower confirms to the Lenders that the Obligations are and continue to be
secured by the security interest granted by the Borrower in favor of the Lenders under the Security
Agreement, and all of the terms, conditions, provisions, agreements, requirements, promises,
obligations, duties, covenants and representations of the Borrower under such documents and any and
all other documents and agreements entered into with respect to the obligations under the Credit
Agreement are incorporated herein by reference and are hereby ratified and affirmed in all respects
by the Borrower.

Section 6. Merger and Integration, Superseding Effect. This Amendment, from and after
the date hereof, embodies the entire agreement and understanding between the parties hereto and
supersedes and has merged into this Amendment all prior oral and written agreements on the same
subjects by and between the parties hereto with the effect that this Amendment, shall control with
respect to the specific subjects hereof and thereof.

Section 7. Severability. Whenever possible, each provision of this Amendment and the
other Amendment Documents and any other statement, instrument or transaction contemplated hereby or
thereby or relating hereto or thereto shall be interpreted in such manner as to be effective, valid
and enforceable under the applicable law of any jurisdiction, but, if any provision of this
Amendment, the other Amendment Documents or any other statement, instrument or transaction
contemplated hereby or thereby or relating hereto or thereto shall be held to be prohibited,
invalid or unenforceable under the applicable law, such provision shall be ineffective in such
jurisdiction only to the extent of such prohibition, invalidity or unenforceability, without
invalidating or rendering unenforceable the remainder of such provision or the remaining provisions
of this Amendment, the other Amendment Documents or any other statement, instrument or transaction
contemplated hereby or thereby or relating hereto or thereto in such jurisdiction, or affecting the
effectiveness, validity or enforceability of such provision in any other jurisdiction.

Section 8. Successors. The Amendment Documents shall be binding upon the Borrower and
the Lenders and their respective successors and assigns, and shall inure to the benefit of the
Borrower and the Lenders and the successors and assigns of the Lenders.

Section 9. Legal Expenses. The Borrower agrees to pay or reimburse the Agent, upon
execution of this Amendment, for all reasonable out-of-pocket expenses paid or incurred by the
Agent, including filing and recording costs and fees, charges and disbursements of outside counsel
to the Agent (determined on the basis of such counsel’s generally applicable rates, which may be
higher than the rates such counsel charges the Agent in certain matters) and/or the allocated costs
of in-house counsel incurred from time to time, in connection with the Credit Agreement, including
in connection with the negotiation, preparation, execution, collection and enforcement of the
Amendment Documents and all other documents negotiated, prepared and executed in connection with
the Amendment Documents, and in enforcing the obligations of the Borrower under the Amendment
Documents, and to pay and save the Agent harmless from all liability for, any stamp or other taxes
which may be payable with respect to the execution or delivery of the Amendment Documents, which
obligations of the Borrower shall survive any termination of the Credit Agreement.

Section 10. Headings. The headings of various sections of this Amendment have been
inserted for reference only and shall not be deemed to be a part of this Amendment.

Section 11. Counterparts. The Amendment Documents may be executed in several
counterparts as deemed necessary or convenient, each of which, when so executed, shall be deemed an
original, provided that all such counterparts shall be regarded as one and the same document, and
either party to the Amendment Documents may execute any such agreement by executing a counterpart
of such agreement.

Section 12. Governing Law. THE AMENDMENT DOCUMENTS SHALL BE GOVERNED BY THE INTERNAL
LAWS OF THE STATE OF MINNESOTA, WITHOUT GIVING EFFECT TO CONFLICT OF LAW PRINCIPLES THEREOF, BUT
GIVING EFFECT TO FEDERAL LAWS APPLICABLE TO NATIONAL BANKS, THEIR HOLDING COMPANIES AND THEIR
AFFILIATES.

1

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of the
date and year first above written.

BORROWER:

DHI MORTGAGE COMPANY, LTD.

By: DHI Mortgage Company GP, Inc.

Its: General Partner

By: /s/Mark C. Winter

Title: Executive Vice President

Chief Financial Officer

STATE OF TEXAS

COUNTY OF TRAVIS

On this the 23RD day of March, 2006, personally appeared Mark C. Winter, as Executive
Vice President of DHI Mortgage Company, GP, Inc., a Delaware corporation, as general partner of DHI

Mortgage Company , Ltd., a Texas limited partnership (the “Company”), and before me executed this
Ninth Amendment to Amended and Restated Credit Agreement, on behalf of the Company.

IN WITNESS WHEREOF, I have hereunto set my hand and official seal.

/s/Melody A. Hansen

Signature of Notary Public, State of Texas

(Print, Type or Stamp Commissioned Name of Notary Public)

Personally known     ; OR Produced Identification

Type of ID produced

(NOTARIAL SEAL)

2

AGENT & LENDER:

U.S. BANK NATIONAL ASSOCIATION

By: /s/Edwin D. Jenkins  

Edwin D. Jenkins

Senior Vice President

(USB Signature Page Ninth Amendment)

3

JPMORGAN CHASE BANK

By: /s/Cynthia E. Crites

Cynthia E. Crites

Senior Vice President

4

COMERICA BANK

By: /s/Robert W. Marr

Robert W. Marr

Vice President

5

NATIONAL CITY BANK OF KENTUCKY

By: /s/Scott Goodwin

Name: Scott Goodwin

Title: Vice President

COLONIAL BANK, N.A.

By: /s/Amy J. Nunneley

Amy J. Nunneley

Senior Vice President

STATE OF Alabama

COUNTY OF Jefferson

On this the 22nd day of March, 2006, personally appeared Amy J
Nunneley, as Senior Vice President of Colonial Bank, N.A., an Alabama corporation (the

“Bank”), and before me executed this Eighth Amendment to Amended and Restated Credit Agreement, on
behalf of the Bank.

IN WITNESS WHEREOF, I have hereunto set my hand and official seal.

/s/Nicole L. LaRue

Signature of Notary Public, State of Alabama

Nicole L. LaRue

(Print, Type or Stamp Commissioned Name of Notary Public)

Personally known _X     ; OR Produced Identification

Type of ID produced

(NOTARIAL SEAL)

6

BANK OF AMERICA, N.A.

By: /s/Elizabeth Kurilecz

Elizabeth Kurilecz

Senior Vice President

7

BNP PARIBAS

By: /s/Shayn March

Its: Shayn March

Director

By: /s/Angela Arnold

Its: Angela B. Arnold

Director

8

WASHINGTON MUTUAL BANK, FA

By: /s/Brad R. Johnson

Brad R. Johnson

Vice President

9

SCHEDULE 5

COMMITMENT AMOUNTS AND PERCENTAGE SHARES

From March 24, 2006 until the Drawdown Termination Date

	 	 	 	 	 	 	 	 	 
	 	 	Commitment	 	Percentage
	 	 	Amount	 	Share
	U.S. Bank National Association
	 	 	 	 	 	 	 	 
	Comerica Bank
	 	 	 	 	 	 	 	 
	National City Bank of Kentucky
	 	 	 	 	 	 	 	 
	Colonial Bank, N.A.
	 	 	 	 	 	 	 	 
	Bank of America, N.A.
	 	 	 	 	 	 	 	 
	BNP Paribas
	 	 	 	 	 	 	 	 
	Washington Mutual Bank, FA
	 	 	 	 	 	 	 	 
	JPMorgan Chase Bank
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 
	Total
	 	$	597,500,000	 	 	 	100	%

10

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