Document:

Exhibit 10.6.13

   

  CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***]
      INDICATES THAT INFORMATION HAS BEEN REDACTED.

   

  AMENDMENT NO. 13 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 13 to Master Repurchase Agreement,
      dated as of July 6, 2020 (this “Amendment”), between UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller are parties to (a) that
      certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment No. 4, dated as of
      January 5, 2017, Amendment No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9, 2017, Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018, Amendment No. 9, dated as of October 19, 2018,
      Amendment No. 10, dated as of February 29, 2019, Amendment No. 11, dated as of September 20, 2019 and Amendment No. 12, dated as of December 12, 2019, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase

        Agreement”) and (b) that certain Pricing Letter, dated as of September 20, 2019 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein
      shall have the meanings given to them in the Existing Repurchase Agreement and Pricing Letter, as applicable.

   

  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 promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows:

   

  SECTION 1. Dividends and Distributions.
      Section 11 to the Existing Repurchase Agreement is hereby amended by deleting subsection (o) in its entirety and replacing it with the following:

   

  (o) Limitation on Dividends and
        Distributions. Except as permitted by Buyer in writing, Financial Reporting Party shall not make any payment on account of, or set apart assets for, a sinking or other analogous fund for the purchase, redemption, defeasance, retirement or other
      acquisition of any equity interest of Financial Reporting Party, whether now or hereafter outstanding, or make any other distribution or dividend in respect of any of the foregoing or to any shareholder or equity owner of Financial Reporting Party,
      either directly or indirectly, whether in cash or property or in obligations of Financial Reporting Party or any of its consolidated Subsidiaries in excess of (i) for the calendar year ending December 31, 2019, [***] (ii) for the calendar
      year ending December 31, 2020, [***] and (iii) thereafter, [***] of the Net Income of Financial Reporting Party for the preceding calendar year (determined in accordance with GAAP); provided that no such payments, dividends or
    other

   

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  distributions may be made at any time following the occurrence and during the continuation
      of an Event of Default.

   

  SECTION 2. Conditions Precedent. This
      Amendment shall become effective as of the date hereof (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 the Buyer and Seller;

   

  (b)         Amendment No. 3 to the Pricing Letter,
      dated as of the date hereof, executed and delivered by Buyer and Seller; and

   

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

   

  SECTION 3. Ratification of Agreement. As
      amended by this Amendment, the Existing Repurchase Agreement is in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 4. Representations and Warranties.
      The Seller hereby represents and warrants to the Buyer that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or
      is continuing, and hereby confirms and reaffirms the representations and warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by
      it, and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms.

   

  SECTION 5. 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 6. Severability. Each provision
      and agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

   

  SECTION 7. Counterparts. This Amendment
      may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment,
      any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format
      (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart

   

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  of this Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this Amendment may be accepted, executed or agreed to
      through the use of an electronic signature in accordance with the E-Sign, the Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform State Laws at its Annual Conference on July 29,
      1999 and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any
      secure third party electronic signature capture service providers, as long as such service providers use system logs and audit trails that establish a temporal and process link between the presentation of identity documents and the electronic
      signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s identity and evidence of the signer’s agreement to conduct the transaction electronically and of the signer’s
      execution of each electronic signature. The original documents shall be promptly delivered, if requested.

   

  SECTION 8. Binding Effect. This
      Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

   

  SECTION 9. GOVERNING LAW. THIS
      AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL
      BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL
      OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY
      ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

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

   

  	 	UBS AG, BY AND
              THROUGH ITS 

          BRANCH OFFICE AT 1285 AVENUE 

          OF THE AMERICAS, NEW YORK, 

          NEW YORK, as Buyer
	 		 
	 	By:	/s/ GARY TIMMERMAN
	 	 	Name: GARY TIMMERMAN
	 	 	Title: MANAGING DIRECTOR

  	 		 
	 	By:	/s/ Ari Lash
	 	 	Name: Ari Lash
	 	 	Title: Executive Director

  

   

   Signature Page to Amendment No. 13 to Master
      Repurchase Agreement

   

  
     

    
      
 

  

   

  
    	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 		 
	 	By:	/s/ Joseph Ruhlin
	 	 	Name: Joseph Ruhlin
	 	 	Title: Treasurer

  
 

  Signature Page to Amendment No. 13 to Master Repurchase AgreementExhibit 10.6.14

   

  CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT
        MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED. 

      

   

    

  EXECUTION

   

  AMENDMENT NO. 14 TO MASTER REPURCHASE AGREEMENT

   

  Amendment No. 14 to Master Repurchase Agreement, dated as of September 18, 2020 (this “Amendment”), between UBS AG, by and through its branch
    office at 1285 Avenue of the Americas, New York, New York (the “Buyer”) and HOME POINT FINANCIAL CORPORATION (the “Seller”).

   

  RECITALS

   

  The Buyer and the Seller are parties to (a) that certain Master Repurchase Agreement, dated as of October 28, 2015 (as amended by Amendment No. 1, dated
    as of May 4, 2016, Amendment No. 2, dated as of September 15, 2016, Amendment No. 3, dated as of September 28, 2016, Amendment No. 4, dated as of January 5, 2017, Amendment No. 5, dated as of October 6, 2017, Amendment No. 6, dated as of November 9,
    2017, Amendment No. 7, dated as of May 7, 2018, Amendment No. 8, dated as of July 16, 2018, Amendment No. 9, dated as of October 19, 2018, Amendment No. 10, dated as of February 29, 2019, Amendment No. 11, dated as of September 20, 2019, Amendment No.
    12, dated as of December 12, 2019 and Amendment No. 13, dated as of July 6, 2020, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the “Repurchase Agreement”) and (b) that certain Pricing Letter, dated as of
    September 20, 2019 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase
    Agreement and Pricing Letter, as applicable.

   

  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 promises 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 adding the following definitions in their proper
    alphabetical order:

   

  “Index Rate” shall have the meaning set forth in the Pricing Letter.

   

  “One-Month LIBOR” shall have the meaning set forth in the Pricing Letter.

   

  “Overnight LIBOR” shall have the meaning set forth in the Pricing Letter.

   

  “Successor Rate” shall mean a rate determined by Buyer in accordance with Section 5(i) hereof.

   

  “UETA” means the Official Text of the Uniform Electronic Transactions Act as approved by the National Conference of Commissioners on Uniform
    State Laws at its Annual Conference on July 29, 1999.

   

  
  
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  SECTION 2. Collections; Income Payments. Section 5 of the Existing Repurchase Agreement is hereby amended by adding the following new subsection
    at the end thereof:

   

  (i) If Buyer determines that, by reason of circumstances affecting the relevant market, adequate and reasonable means do not exist for
    ascertaining One-Month LIBOR or Overnight LIBOR, Buyer shall give prompt notice thereof to Seller, whereupon the Index Rate and Operating Account Rate, until such notice has been withdrawn by Buyer, shall be an alternative per annum rate based on an
    index approximating the behavior of One-Month LIBOR or Overnight LIBOR, as applicable, as determined by Buyer in its sole good faith discretion (such rate, a “Successor Rate”).

   

  SECTION 3. Security Interest. The first paragraph of Section 8(a) of the Existing Repurchase Agreement is hereby amended by deleting such
    paragraph in its entirety and replacing it with the following:

   

  (a) Security Interest. On each Purchase Date, Seller hereby sells, assigns and conveys all rights and interests in the Purchased
    Assets identified on the related Mortgage Loan Schedule and the Repurchase Assets related thereto. Although the parties intend that all Transactions hereunder be sales and purchases and not loans (other than as set forth in Section 20 for U.S. tax
    purposes), in the event any such Transactions are deemed to be loans, and in any event Seller hereby pledges to Buyer as security for the performance by Seller of the Obligations and hereby grants, assigns and pledges to Buyer a fully perfected first
    priority security interest in:

   

  SECTION 4. Notices and Other Communications. Section 23 of the Existing Repurchase Agreement is hereby amended by deleting Seller’s notice
    information in its entirety and replacing it with the following:

   

  If to Seller:

   

  Home Point Financial Corporation

  2211 Old Earhart Road, Suite 250

  Ann Arbor, MI 48105

  Attention: [***]

  Telephone: [***]

  Email: [***]

   

  With a copy to:

   

  Home Point Financial Corporation

  2211 Old Earhart Road, Suite 250

  Ann Arbor, MI 48105

  Attention: Legal

  Email: [***]

   

  
  
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  SECTION 5. Counterparts. Section 34(a) of the Existing Repurchase Agreement is hereby amended by deleting such paragraph in its entirety and
    replacing it with the following:

   

  (a) Counterparts. This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one and
    the same instrument, and any of the parties hereto may execute this Agreement by signing any such counterpart. Delivery of an executed counterpart of a signature page of this Agreement in Portable Document Format (PDF) or by facsimile shall be
    effective as delivery of a manually executed original counterpart of this Agreement. The parties agree that this Agreement, any addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this
    Agreement may be accepted, executed or agreed to through the use of an electronic signature in accordance with the E-Sign, the UETA and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding
    on all parties hereto to the same extent as if it were physically executed and each party hereby consents to the use of any secure third party electronic signature capture service providers, as long as such service providers use system logs and audit
    trails that establish a temporal and process link between the presentation of identity documents and the electronic signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s
    identity and evidence of the signer’s agreement to conduct the transaction electronically and of the signer’s execution of each electronic signature.

   

  SECTION 6. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective Date”), subject to
    the satisfaction of the following conditions precedent:

   

  6.1 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 the Buyer and Seller;

   

  (b)       Amendment No. 4 to the Pricing Letter, dated as of the date hereof, executed and delivered by Buyer and Seller; and

   

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

   

  SECTION 7. Ratification of Agreement. As amended by this Amendment, the Existing Repurchase Agreement is in all respects ratified and confirmed
    and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument.

   

  SECTION 8. Representations and Warranties. The Seller hereby represents and warrants to the Buyer that it is in compliance with all the terms
    and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and warranties contained in
    Section 10 of the Repurchase Agreement. The Seller hereby represents

   

  
  
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  and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and binding obligation, enforceable against it
    in accordance with its terms.

   

  SECTION 9. 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 10. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or agreement
    herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement.

   

  SECTION 11. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall constitute one and the
    same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted
    between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this
    Amendment. The parties agree that this Amendment, any addendum or amendment hereto or any other document necessary for the consummation of the transaction contemplated by this Amendment may be accepted, executed or agreed to through the use of an
    electronic signature in accordance with the E-Sign, the UETA and any applicable state law. Any document accepted, executed or agreed to in conformity with such laws will be binding on all parties hereto to the same extent as if it were physically
    executed and each party hereby consents to the use of any secure third party electronic signature capture service providers, as long as such service providers use system logs and audit trails that establish a temporal and process link between the
    presentation of identity documents and the electronic signing, together with identifying information that can be used to verify the electronic signature and its attribution to the signer’s identity and evidence of the signer’s agreement to conduct the
    transaction electronically and of the signer’s execution of each electronic signature. The original documents shall be promptly delivered, if requested.

   

  SECTION 12. Binding Effect. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors
    and assigns.

   

  SECTION 13. GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP
      OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK,
      WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS,
      VALIDITY AND ENFORCEABILITY OF

   

  
  
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  ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER AND SELLER SHALL BE
      GOVERNED BY E-SIGN.

   

  [SIGNATURE PAGES FOLLOW]

   

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

   

  	 	UBS AG, BY AND THROUGH ITS BRANCH OFFICE AT 1285 AVENUE OF THE AMERICAS, NEW YORK, NEW YORK, as Buyer
	 	 	 
	 	By:	/s/ Gary Timmerman
	 	 	Name: Gary Timmerman
	 	 	Title: Managing Director
	 	 	 
	 	By:	/s/ Chi Ma
	 	 	Name: Chi Ma
	 	 	Title: Director

   

  Signature Page to Amendment No. 14 to Master Repurchase Agreement

   

  
  
     

  

  
     

  

  
   

  	 	HOME POINT FINANCIAL CORPORATION, as Seller
	 	 	 
	 	By:	/s/ Joseph Ruhlin
	 	 	Name: Joseph Ruhlin
	 	 	Title: Treasurer

   

  Signature Page to Amendment No. 14 to Master Repurchase Agreement

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