Monthly summary of mortgage activities, Apr. 2002

Monthly Summary of Mortgage Activities
Georgia Department of Banking and Finance
2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565
APRIL 2002 SUMMARY OF ACTIVITIES - MORTGAGE DIVISION
---------------------------------------------------------------------------------------------------------------------------------------------------**IMPORTANT NOTES**
DISTRIBUTING THE MONTHLY SUMMARY: The Monthly Summary of Mortgage Activities is emailed each month to licensees. The Department requests that all licensees provide the Department a valid email address in order to receive the Monthly Summary each month in a timely manner. For all other licensees, the Monthly Summary is available on the Department's website http://www.state.ga.us/dbf/bulletins.html each month. This delivers the Mortgage Summary to you more rapidly and efficiently. If you have not already provided the Department with your email address, please contact the Mortgage Division at dbfmort@dbf.state.ga.us or at 770-986-1633 if you have any questions.
Licenses issued in Georgia are subject to revocation, withdrawal or suspension. To verify the current status of a license call 770-986-1269 or check our web site at http://www.state.ga.us/dbf/
PER LOAN FEES - "Per loan" fees for the second half of 2001 were due by March 1, 2002. If you hold a Georgia Residential Mortgage Lender license, you were mailed a "per loan" fee reporting form. Please use this form to remit your fees. Regardless of the volume of loans (even "0" loans closed), you should send in the fee report. If you are a licensed mortgage broker or if you are exempt from licensing or registration a copy of the "per loan" fee reporting form can be found on our website or in Rule 80-5-1-.04 (2) issued by this Department. The fine for late filing of your Per Loan Fees is $1,000. These fines have been posted to the delinquent licensees report. If you do not close the loan in your name, and your name is not on the security deed - you do not owe any "per loan" fees. Proper payment of these fees will be monitored by our examination team.
The ANNUAL LICENSE RENEWAL process is now underway. Renewal application forms for the fiscal year 2003 mortgage licenses were distributed beginning February 7, 2002. A $300 late fine has been assessed against licensees who failed to return the renewal application form prior to April 1, 2002. As in prior years, all outstanding issues such as fines, fees, stale audits, complaint resolution, etc. must be resolved before your renewal license will be granted. Licensees who do not complete the renewal process by June 30, 2002, will have their licenses expire, and will have to cease operations in Georgia. If you have not received your renewal application forms, please contact the Department immediately.
AUDITED FINANCIAL STATEMENTS - Lenders and some Brokers have licenses which are dependent upon the filing of current audited financial statements with this office. The licensees whose audits are more than 15 months old may be subjected to fines and/or revocation of their license. It is the RESPONSIBILITY of the licensee, as professionals licensed to operate in the mortgage industry to insure that these audits are current AT ALL TIMES. Care must be taken to employ a CPA who has time to service your account in a manner so as to protect your license. Requests for an extension will not be granted. License renewals will not be granted for those licensees whose audits are not current. Please keep in mind that the net worth requirements in Georgia are predicated on tangible assets. Assets including but not limited to items such as "goodwill" and accounts "due from" shareholders, affiliated companies, directors or officers will not count as tangible assets.

NOTICE OF NON-COMPLIANCE FOR LICENSE RENEWALS
Any renewal application received by the Department which does not contain all of the required information or documentation may be returned to the applicant for correction.
Those with missing documentation which pass our initial cursory review or that have other supervisory issues will be mailed a notification of the deficiency. These notices will be made either by fax, e-mail or by regular U.S. Postal Service mail. The Department will rely on the most recent fax number, e-mail address or mailing address which we have been given by the licensee as to where to send this notice. Applications received without payment or paid with a bad check will not be considered as being "filed." Late filing fines will be levied.
The receipt and/or correction of information will be expedited using fax or e-mail where applicable. However, if you prefer or require your notice to be sent by U.S. Postal Service mail, please send a stamped, self addressed envelope with your renewal application.
NEW BOND REQUIREMENT BEGINNING 2002
A reminder of the bond term requirements for those companies who write bonds for Mortgage Brokers and Lenders in the State of Georgia.
In addition to the requirements contained in O.C.G.A. 7-1-1003.2 for a bond, Rule 80-11-4-.03 (2) of the Department states that beginning July 1, 2002, the bond requirement for a lender or broker license shall have a stated term of one year or less, and shall expire on June 30. A corporate surety or licensee that does not intend to renew a bond for a subsequent term shall notify the Department of such cancellation no later than June 1 of each year. Providing renewal policies to the Department in a timely manner will expedite the license renewal process each year.
Georgia Fair Lending Act Questions, Inquiries, and Comments
The Governor signed the Georgia Fair Lending Act (HB 1361) into law on April 22, 2002. The law is effective October 1, 2002 and affects all lenders and brokers who make home loans in Georgia. The Department asks you to send your questions, inquiries and comments to us on the Georgia Fair Lending Act by June 15, 2002, so that we all can prepare for the October 1 implementation date for this law. You may send these comments by email to gafla@dbf.state.ga.us or regular mail or by fax. We would greatly appreciate you referencing that your correspondence regards the Georgia Fair Lending Act in order to expedite the Department's handling of this correspondence. The Department intends to compile a question and answer database from this correspondence that we will post on our website www.gadbf.org as soon as possible before October 1, 2002. Thanks in advance for your help with this matter.
EMPLOYMENT OF FELONS
An unfortunate trend has been noticed in the Mortgage Industry in Georgia. While we rarely receive an application from an individual who is unable to complete the licensing requirements due to a problem with their criminal background, we often discover that these individuals are seeking employment from persons licensed by this Department. Please be reminded that the provisions of O.C.G.A. d7-1-1004(d) allow the Department to revoke any license where a felon is on staff. If the Department discovers that a licensee has employed a felon, the licensee will be fined $1,000 for each violation, and will be issued a Notice of Intent to Revoke their license. The Department intends to pursue this problem aggressively.

"Statutory Employees" Must be Licensed
The Department has received a number of inquiries concerning whether "statutory employees" fall within the employee exemption of O.C.G.A 7-1-1001(11). O.C.G.A. 7-1-1001(11) provides an exemption from the licensing requirement for "A natural person employed by a licensed mortgage broker, a licensed mortgage lender, or any person exempted from the licensing requirements of this article when acting within the scope of employment and under the supervision of the licensee or exempted person as an employee and not as an independent contractor. To be exempt, a natural person must be employed by only one such employer ... ." In addition, Department Rule 80-11-4-.03 provides that the employee exemption applies only to natural persons who meet all of the following criteria:
a. An employee must be employed by just one licensee and work exclusively for that licensee; b. An employee may not solicit, process, or place loans for anyone else while claiming the exemption; c. An employee's procedures and activities must be supervised by the licensee on a daily basis, and the licensee is responsible for the actions of such employees; and d. An employee may not be paid or compensated for performance of mortgage activity on a 1099 basis.
The Department agrees with the position of the Internal Revenue Service that statutory employees are independent contractors. See Publication 15-A, Employer's Supplemental Tax Guide (Rev. January 2002). Our reading of this law indicates that under certain very limited instances, such an independent contractor may be treated as a "statutory employee" for IRS purposes. But, the person is essentially working independently. "Statutory employees," then, are not employees within the meaning of O.C.G.A. 7-1-1001(11) and do not qualify for the employee exemption from the GRMA licensing requirements.
Furthermore, the Department advises employers to be wary and to follow the procedures mandated by the IRS whenever an employee claims total exemption from withholding and his or her earnings would normally exceed $200 per week, or if an employee claims total exemption from withholding and claims more than 10 exemptions. See Publication 15, Employer's Tax Guide (Rev. January 2002).
Failure to comply with the Georgia Residential Mortgage Act and Rules of the Department may result in fines and sanctions, including the revocation of a license issued by the Department. You may access the laws and regulations concerning these and similar issues on the Department's website at http://www.ganet.org/dbf and the IRS website at http://www.irs.treas.gov/.
2002 LEGISLATIVE CHANGES TO ARTICLE 13 GEORGIA RESIDENTIAL MORTGAGE ACT (GRMA)
Preliminary Overview of Law Changes
The following is a brief recap of the significant 2002 housekeeping bill changes which affected the GRMA. The provisions of the legislative changes become effective July 1, 2002.
Code Section 7-1-1004
Changes involve the criminal background check requirement for principals and employees of a licensee. The 2002 legislative changes provide for broader definitions of officers and directors, to include policy making employees of a company. This will ensure extended regulatory oversight into the demonstrated financial responsibility, good character, and ethical conduct of all individuals having responsibility for the affairs of the company. In addition, the new law creates a requirement for licensees to conduct Georgia Crime Information Center (GCIC) criminal background checks on their "covered employees," which is defined in the legislation. These changes will require the submission of fingerprint cards on the policy making employees (in addition to officers and directors) with any new license application made after July 1, 2002.

7-1-1004 (a) -- Relating to Officials of the Company
This section provides for a broader definition of who the controlling principals are in a company, so as to include all policy making persons under the provisions of the law, regardless of title. The Department will now expect background and financial information on all such persons.

7-1-1004 (d) -- Felonies
This code section pertains to the issuing or revoking of a license for any applicant or licensee who has been convicted of a felony involving moral turpitude. The legislative change added coverage to include "any individual who directs the affairs or establishes policy for the licensee," as noted above.

7-1-1004 (e) -- Conviction Data

`

The Department continues to be authorized to perform BACKGROUND CHECKS and submit

FINGERPRINT CARDS on all employees.

`

The Department will handle background checks on directors, officers and policy makers. Fingerprint cards

shall be submitted to the Department on these people with the initial application or as needed. Fees for

processing shall also be submitted by applicants or licensees.

7-1-1004(f) New Section -- This section added the requirement that licensees and applicants obtain criminal background checks on covered employees. Covered employees are defined as those who work in this state and have authority to enter, delete, or verify any information on any mortgage loan application form or document.

Applicants and Licensees must:

`

Obtain criminal background checks on covered employees. These will generally be submitted to a local

law enforcement agency and must be forwarded to and handled by the GCIC.

`

If the GCIC report comes back with information indicating a possible felony or if the information indicates

the employee has a criminal record in any state other than Georgia, the employer shall submit to the

Department two complete sets of fingerprints of the employee, any other required information, and

applicable investigation fees. This information will be submitted by the Department for further criminal

background investigation.

`

The law provides for a probationary employment period for covered employees of 90 days from date of hire

during which the applicant or licensee can obtain satisfactory background data. If the employee is

determined to be a convicted felon, the applicant or licensee must immediately correct this violation of 7-

1-1004(d).

Code Section 7-1-1016 -- Advertising

This section was changed to indicate that any advertisements disseminated in the state will contain identifying information and now must include the License Number along with the name and office address already required, and added a provision allowing for an advertiser (licensee) who is located in more than one state to list Georgia as a state in which they are licensed, but the advertisement must include the identifying information noted above.

More Information

A copy of the legislation affecting the GRMA is contained on the web site at: http://www.ganet.org/dbf/mortgage forms.html.

FINAL CONSENT ORDERS

On August 3, 2001, the Department issued a Notice of Intent to Deny Application for Renewal License to Platinum Mortgage, Inc. ("Platinum") for violating the Georgia Residential Mortgage Act. Platinum requested a hearing before

the Office of State Administrative Hearings. The matter was resolved by a Consent Order which was signed by the administrative law judge on April 15, 2002, and as a condition of the Consent Order, Platinum was required to surrender its license.

LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN APRIL 2002

ID#
6880 6934 11389 12152 12394 12419 12548 12929 13327 13425 13598 14160 14338 14422 14476 15374 15388 15657 15889 16410 16415 16527

NAME
WWI ENT INC TRINITY MTG PARTNERS INC RICE, ARLICIA ESSICK, IRVING LOUIS JR. ETHERIDGE, WILLIAM H LITCHFIELD FINANCIAL CORP CORNERSTONE EQUITY INC HOME FED MTG CORP PACIFIC SHORE FUNDING INC ALLIANCE LOAN CTR INC VISION ONE MORTGAGES INC A BETTER RATE MTG OF GA LEWIS, TOMMIE S. SHEPPARD'S HOMES INC R&D OF HILTON HEAD INC PLATINUM CAP MTG CARE MTG INC NCS MTG LENDING CO FONSECA FIN'L SERVS COMPASS FINL SVCS INC HOME DEPOT USA INC AMER MTG AND FIN INC

CODE
BD BD BD BD BD LD BD LD LD BD BD BD BD BD BD LD BD RD BD BD LD BD

REVOKED
04/30/2002
04/02/2002 04/30/2002 04/16/2002
04/04/2002

EXPIRED

SUSPENDED

WITHDRAWN
04/01/2002 04/25/2002 04/23/2002

04/01/2002 04/03/2002 04/18/2002 04/01/2002 04/05/2002

04/18/2002

04/01/2002

04/04/2002 04/15/2002 04/01/2002 04/30/2002 04/18/2002

04/01/2002 04/30/2002

DENIED

TOTAL: 22

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2002

ID# COMPANY NAME

5616 13547 14187 14955 16895 16976 17039 17079

Vantage Mortgage Corp. * American Lending Grp * Preferred Lending Grp * First Choice Home Loans + E. C. Mortgage, Inc. * Freedom Financial Mortgage Jupiter Mortgage Corporation Fidelity Home Mortgage

CITY
ATLANTA LEXINGTON LOGANVILLE CONYERS STONE MOUNTAIN FORT WAYNE JUPITER TIMONIUM

ST MB CODE

GA L KY L

GA L

GA B

GA L

IN

B

FL L MD L

ORIGINAL APPROVAL
06/22/1993 07/10/1998 12/18/1998 08/27/1999 11/16/2001 04/05/2002 04/05/2002 04/05/2002

RENEWAL
04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002

REINSTATED

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2002

ID#
17096 17131 17135 17138 17145 17158 17166 17168 17171 17179 17180 17181 17182 17183 17184 17187 17188 17190 17191 17193 17195 17197 17208 17157 17164 17189 17196 17203 17207 15334 17129 17169 17202 17228 17210 17226 12807 11932 13872 16095

COMPANY NAME
Salam Mortgage Corporation Anquanita Jones Alpha Mortgage Services, Inc. Amanda C. Painter Millennium Mortgage, Inc. Georgia Mortgage Solutions, Inc. Sally A. Hawn Cheryl A. Chandler Equity First Mortgage, Inc. Pro Builders and Remodelers, Sheryl L. Button Gerald W. Redman Matthew Stovall Optima Enterprise, Inc. John R. Peterson Freedom Equity, LLC One Source Mortgage, LLC All Credit Mortgage Services, Randy L. McSkulin Mortgage On Call New Land Mortgage, Inc Elaine A. Scarlett Bulanda A. Presley Tennessee Valley Financial Inc. First Capital Mortgage Corp. Thomas E. Doran Kelto Mortgage, Inc. Capital Source Mortgage, LLC Nadege Charles First American Equity Corp. * Prospect Financial Services, Leon A. Hurely Loan Warehouse Corp. Woodstock General Advantage Mortgage Service, Emmanuel Mortgage and Sylvania Manufactured Homes, Coastal Capital Corp. American Mortgage Express Available Mortgage Funding,

CITY

ST

WINSTON SALEM

NC

STONE MOUNTAIN GA

MARIETTA

GA

LAKE PARK

GA

ATLANTA

GA

STOCKBRIDGE

GA

MONROE

GA

COVINGTON

GA

MARIETTA

GA

MARIETTA

GA

CARTERSVILLE

GA

OCILLA

GA

DOUGLASVILLE

GA

SUWANEE

GA

WOODSTOCK

GA

PHENIX CITY

AL

DALLAS

TX

WATKINSVILLE

GA

LAWRENCEVILLE

GA

DULUTH

GA

KENNESAW

GA

LAWRENCEVILLE

GA

NEWNAN

GA

CHATTANOOGA

TN

BLOOMFIELD HILLS MI

NORCROSS

GA

UPATOI

GA

ATLANTA

GA

KENNESAW

GA

CLEVELAND

TN

HARTFORD

CT

MACON

GA

ELLIJAY

GA

WOODSTOCK

GA

STONE MOUNTAIN GA

MOULTRIE

GA

SYLVANIA

GA

GREENVALE

NY

SAN DIEGO

CA

DALLAS

TX

MB CODE
B B B B B B B B B B B B B B B B L B B B B B B B L B B B B L B B B B B B B L L L

ORIGINAL APPROVAL
04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 01/14/2000 04/19/2002 04/19/2002 04/19/2002 04/19/2002 04/26/2002 04/26/2002 10/10/1997 11/08/1996 09/04/1998 09/22/2000

RENEWAL
04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/05/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 04/12/2002 04/19/2002 04/19/2002 04/19/2002 04/19/2002 04/19/2002 04/26/2002 04/26/2002 04/05/2002 04/12/2002 04/12/2002 04/26/2002

REINSTATED
04/05/2002 04/12/2002 04/12/2002 04/26/2002

TOTAL: 48

B = BROKER L = LENDER R = REGISTRANT

+ Downgrade Lender to Broker * Upgrade Broker to Lender

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

5608 04/23/2002 AUD

$1000.

05/02/2002 Sun America Mortgage Corporation,

Atlanta

GA

5632 04/09/2002 REN

$300.

First Equitable Mortgage Company, Inc. Marietta

GA

5667 04/09/2002 REN

$300.

04/05/2002 Buford Finance Company, Inc.

Buford

GA

5756 04/09/2002 REN

$300.

Damla Corporation

Stone Mountain

GA

5756 04/23/2002 AUD

$1000.

Damla Corporation

Stone Mountain

GA

5784 04/09/2002 REN

$300.

National Mortgage Resources, Inc.

Chamblee

GA

5819 04/23/2002 AUD

$1000.

05/14/2002 First Choice Mortgage, Inc.

Augusta

GA

5870 04/09/2002 REN

$300.

04/25/2002 Master Mortgage Corporation

Roswell

GA

5878 04/09/2002 REN

$300.

05/10/2002 Mortgage Solutions, Inc.

Marietta

GA

5881 04/09/2002 REN

$300.

First Horizon Home Loan Corporation

Irving

TX

5881 04/23/2002 AUD

$1000.

05/13/2002 First Horizon Home Loan Corporation

Irving

TX

5919 04/09/2002 REN

$300.

05/22/2002 Infinity Mortgage Corporation

Atlanta

GA

5919 04/23/2002 AUD

$1000.

05/22/2002 Infinity Mortgage Corporation

Atlanta

GA

5961 04/09/2002 REN

$300.

Mortgage Information Services Inc.

Columbus

GA

5961 04/18/2002 NSF

$25.

Mortgage Information Services Inc.

Columbus

GA

5977 04/09/2002 REN

$300.

04/22/2002 Leadership Mortgage Services, Inc.

Atlanta

GA

6002 04/09/2002 REN

$300.

04/24/2002 NDB Mortgage Services Inc.

Atlanta

GA

6018 04/09/2002 REN

$300.

05/16/2002 Realty Mortgage Corporation

Flowood

MS

6024 04/09/2002 REN

$300.

05/15/2002 Washtenaw Mortgage Company

Ann Arbor

MI

6049 04/09/2002 REN

$300.

04/24/2002 Audrey D. Culpepper

Lithonia

GA

6057 04/09/2002 REN

$300.

04/24/2002 Lakeside Mortgage Brokers, Inc.

Greensboro

GA

6069 04/09/2002 REN

$300.

Sterling Home Funding, Inc.

Conyers

GA

6090 04/09/2002 REN

$300.

David Louis Shepherd

Albany

GA

6132 04/09/2002 REN

$300.

Paul Edward Fest

Smyrna

GA

6132 04/18/2002 NSF

$25.

Paul Edward Fest

Smyrna

GA

6199 04/19/2002 FEL

$3000.

05/24/2002 Invest America Mortgage Corp.

Atlanta

GA

6199 04/19/2002 1099

$1000.

05/24/2002 Invest America Mortgage Corp.

Atlanta

GA

6199 04/19/2002 FILE

$1000.

05/24/2002 Invest America Mortgage Corp.

Atlanta

GA

6199 04/19/2002 B&R

$1000.

05/24/2002 Invest America Mortgage Corp.

Atlanta

GA

6208 04/23/2002 AUD

$1000.

05/07/2002 Mortgage Outlet, Inc., The

Marietta

GA

6209 04/09/2002 REN

$300.

04/23/2002 Castle Mortgage Corporation

Birmingham

AL

6226 04/09/2002 REN

$300.

04/15/2002 Mortgage South of Tennessee Inc.

Chattanooga

TN

6226 04/23/2002 AUD

$1000.

05/20/2002 Mortgage South of Tennessee Inc.

Chattanooga

TN

6227 04/09/2002 REN

$300.

04/15/2002 Southeastern Home Mortgage Corp.

Duluth

GA

6227 04/23/2002 AUD

$1000.

05/09/2002 Southeastern Home Mortgage Corp.

Duluth

GA

6236 04/09/2002 REN

$300.

Tara Mortgage, Inc.

Martinez

GA

6342 04/09/2002 REN

$300.

04/24/2002 Caversham Financial, Inc.

Stockbridge

GA

6348 04/09/2002 REN

$300.

Seacoast Equities, Inc.

La Mesa

CA

6348 04/23/2002 AUD

$1000.

Seacoast Equities, Inc.

La Mesa

CA

6447 04/09/2002 REN

$300.

05/10/2002 National Home Equity, Inc.

Chattanooga

TN

6476 04/09/2002 REN

$300.

04/10/2002 Metwest Mortgage Services, Inc.

Spokane

WA

6500 04/09/2002 REN

$300.

Mortgage and Investment Services

Rome

GA

6529 04/09/2002 REN

$300.

04/10/2002 Homeowners Mortgage Enterprises,

Columbia

SC

6754 04/09/2002 REN

$300.

05/28/2002 Walter Capital Corporation

Thomasville

GA

6754 04/23/2002 AUD

$1000.

05/28/2002 Walter Capital Corporation

Thomasville

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

6820 04/23/2002 AUD

$1000.

05/15/2002 First Franklin Financial Corporation

Kennesaw

GA

6836 04/09/2002 REN

$300.

Loans by Summerville, Inc.

Augusta

GA

6836 6897 6905 6931

04/23/2002 04/11/2002 04/09/2002 04/09/2002

AUD B&R REN REN

$1000.

Loans by Summerville, Inc.

Augusta

GA

$500.

05/09/2002 Mainstream Mortgage, Inc.

Tucker

GA

$300.

Premiere Designs, Inc.

Norcross

GA

$300.

04/30/2002 Great Northern Financial Corporation

Rolling Meadows

IL

6931 6934 7020 7020

04/23/2002 04/09/2002 04/17/2002 04/17/2002

AUD REN B&R B&R

$1000.

04/30/2002 Great Northern Financial Corporation

Rolling Meadows

IL

$300.

Trinity Mortgage Partners, Inc.

Atlanta

GA

$500.

05/20/2002 Monarch Mortgage Company, Inc.

Tucker

GA

$500.

05/20/2002 Monarch Mortgage Company, Inc.

Tucker

GA

7022 04/23/2002 AUD

$1000.

Express Funding, Inc.

Dallas

TX

7101 04/09/2002 REN

$300.

04/09/2002 Aegis Mortgage Corporation

Houston

TX

7103 04/23/2002 AUD

$1000.

05/06/2002 EquiPrime, Inc.

Birmingham

AL

7111 04/23/2002 AUD

$1000.

05/03/2002 Resolution Mortgage Services, Inc.

Cumming

GA

7189 7215 7215 7229

04/09/2002 04/09/2002 04/23/2002 04/09/2002

REN REN AUD REN

$300.

04/11/2002 Family Mortgage Company, Inc.

Peachtree City

GA

$300.

Southern Atlantic Financial Services,

Atlanta

GA

$1000.

Southern Atlantic Financial Services,

Atlanta

GA

$300.

Diversified Mortgage Corporation

Mableton

GA

7242 04/09/2002 REN

$300.

Joseph Bewley Atterbury

Lithonia

GA

7251 04/09/2002 REN

$300.

Lindsay Cary Martin

Decatur

GA

7260 04/09/2002 REN

$300.

05/10/2002 AAA Georgia Home Improvment Co.

Stockbridge

GA

7264 04/23/2002 AUD

$1000.

Chapel Mortgage Corporation

Rancocas

NJ

7268 04/09/2002 REN

$300.

04/23/2002 Ameron Mortgage Corporation

Marietta

GA

7279 04/09/2002 REN

$300.

Dolphin Mortgage Corporation

Oak Brook

IL

7294 04/09/2002 REN

$300.

05/14/2002 Randy Helton Housing Center, Inc.

Sandersville

GA

7303 04/09/2002 REN

$300.

05/06/2002 Franklin American Mortgage Company Franklin

TN

7310 04/09/2002 REN

$300.

05/10/2002 National Guaranty Mortgage

Atlanta

GA

7317 04/09/2002 REN

$300.

04/29/2002 Georgia Residential Lenders, Inc.

Lilburn

GA

7321 04/09/2002 REN

$300.

05/10/2002 Coastal Homes, Inc.

Brunswick

GA

7344 04/09/2002 REN

$300.

Premier Home Center, Inc.

Moultrie

GA

7368 04/09/2002 REN

$300.

All States Home Improvement Co.

Decatur

GA

7369 7369 7434 7434

04/09/2002 04/23/2002 04/09/2002 04/18/2002

REN AUD REN NSF

$300. $1000.
$300. $25.

Baltimore American Mortgage

Hanover

MD

Baltimore American Mortgage

Hanover

MD

Cannon & Cannon Inc.

Thomasville

GA

Cannon & Cannon Inc.

Thomasville

GA

7449 04/09/2002 REN

$300.

04/19/2002 Tompkins Company (The)

Augusta

GA

7486 04/09/2002 REN

$300.

Taylor Construction Company, Inc.

Roswell

GA

7510 04/09/2002 REN

$300.

Enloe Aluminum Residential Co., Inc. Augusta

GA

11396 04/09/2002 REN

$300.

Community Mortgage Investments

Gainesville

GA

11421 04/23/2002 AUD

$1000.

05/07/2002 Southern Homestead Mortgage

Woodstock

GA

11431 04/09/2002 REN

$300.

04/16/2002 Taylor Mobile Homes, Inc.

Douglas

GA

11446 04/23/2002 AUD

$1000.

05/06/2002 HomeGold, Inc.

Columbia

SC

11465 04/09/2002 REN

$300.

Homes Today, Inc.

LaGrange

GA

11486 11486 11492

04/09/2002 04/23/2002 04/09/2002

REN AUD REN

$300.

Home America Mortgage, Inc.

Lawrenceville

GA

$1000.

Home America Mortgage, Inc.

Lawrenceville

GA

$300.

05/01/2002 National Home Loan Corporation

Deerfield Beach

FL

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

11523 11523

04/09/2002 REN 04/23/2002 AUD

$300. $1000.

04/08/2002 CMA Mortgage, Inc. 05/09/2002 CMA Mortgage, Inc.

Pendleton

IN

Pendleton

IN

11591 04/09/2002 REN

$300.

05/31/2001 Jack R. Hobbs

Butler

GA

11597 04/09/2002 REN

$300.

Champion Window & Enclosure Co.,

Atlanta

GA

11599 04/09/2002 REN

$300.

04/25/2002 Total Mortgage Lending, Inc.

Monroe

GA

11645 04/09/2002 REN

$300.

05/10/2002 New Homes Financial Services, Inc.

Alpharetta

GA

11674 04/09/2002 REN

$300.

05/21/2002 Sears Siding & Windows, Inc.

Longwood

FL

11734 04/23/2002 AUD

$1000.

04/29/2002 Origen Financial, LLC

Glen Allen

VA

11752 04/09/2002 REN

$300.

04/29/2002 Focal Point Financial Corporation

Macon

GA

11788 04/23/2002 AUD

$1000.

05/02/2002 BrooksAmerica Mortgage Corporation

Santa Ana

CA

11811 04/23/2002 AUD

$1000.

Transamerica Mortgage Company

Los Angeles

CA

11815 04/09/2002 REN

$300.

04/24/2002 R.B.L. Enterprises, Inc.

Decatur

GA

11834 04/09/2002 REN

$300.

Worldwide Finance, Inc.

Doraville

GA

11834 04/23/2002 AUD

$1000.

Worldwide Finance, Inc.

Doraville

GA

11837 11896 11896 11919

04/09/2002 04/09/2002 04/23/2002 04/23/2002

REN REN AUD AUD

$300. $300. $1000. $1000.

Home Care Remodeling, Inc.

Atlanta

GA

Coastal Mortgage Corp.

Buzzards Bay

MA

Coastal Mortgage Corp.

Buzzards Bay

MA

Harborside Financial Network, Inc.

San Marcos

CA

11923 04/09/2002 REN

$300.

Residential Mortgage Source, Inc.

Stockbridge

GA

11945 04/09/2002 REN

$300.

04/08/2002 Diversified Capital Corporation of

Memphis

TN

11945 04/23/2002 AUD

$1000.

05/06/2002 Diversified Capital Corporation of

Memphis

TN

12115 04/09/2002 REN

$300.

National Business Contractors Inc.

Woodstock

GA

12123 04/09/2002 REN

$300.

VKI, Inc.

Atlanta

GA

12126 12134 12152 12166

04/23/2002 04/09/2002 04/09/2002 04/09/2002

AUD REN REN REN

$1000. $300. $300. $300.

05/20/2002

MVB Mortgage Corporation Sean Cavanaugh Irving Louis Essick, Jr. Tri State Funding Group, Inc.

Southfield

MI

Lawrenceville

GA

Marietta

GA

Alpharetta

GA

12178 04/09/2002 REN

$300.

Dennis Claude Wood

Smyrna

GA

12191 04/09/2002 REN

$300.

04/03/2002 NovaStar Mortgage, Inc.

Westwood

KS

12243 04/23/2002 AUD

$1000.

Ohio Mortgage Company, Inc.

Brooklyn

OH

12246 04/23/2002 AUD

$1000.

Creve Coeur Mortgage Associates,

Creve Coeur

MO

12265 12285 12305 12341

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300.

Pipeline Corporation

Smyrna

GA

$300.

04/23/2002 UniSource Mortgage Services, Inc.

Hilton Head

SC

$300.

05/17/2002 MetFund Mortgage Corporation

Oakton

VA

$300.

Yancena Perry

Stone Mountain

GA

12342 04/09/2002 REN

$300.

Mortgage Masters Financial Services

Knoxville

TN

12350 04/09/2002 REN

$300.

Direct Lending, Inc.

Martinez

GA

12362 04/09/2002 REN

$300.

The Mortgage Studio, LLC

Atlanta

GA

12373 04/09/2002 REN

$300.

04/29/2002 Trinity Park Mortgage, Inc.

Decatur

GA

12375 12384 12447 12453

04/09/2002 04/09/2002 04/23/2002 04/09/2002

REN REN AUD REN

$300. $300. $1000. $300.

05/05/2002

21st Mortgage Corporation Care Free Home Center, Inc. Loan Store, Inc. (The) Tinsley Financial Company

Knoxville

TN

Chattanooga

GA

Florissant

MO

Lithonia

GA

12481 12487 12525

04/09/2002 04/09/2002 04/09/2002

REN REN REN

$300. $300. $300.

05/20/2002

Starshine, Inc. Daniel Vincent Biga Daniel E. Greene, CPA

Bogart

GA

McDonough

GA

Charlotte

NC

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

12526 12526

04/09/2002 REN 04/23/2002 AUD

$300. $1000.

Fairgreen Mortgage Company, LLC

Atlanta

GA

Fairgreen Mortgage Company, LLC

Atlanta

GA

12542 12542 12548 12580

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300. $1000.
$300. $300.

All Mortgage, Inc. All Mortgage, Inc. Cornerstone Equity, Inc. Goshen Lending, Inc.

Tallahassee

FL

Tallahassee

FL

Savannah

GA

Augusta

GA

12595 12613 12631 12631

04/23/2002 04/09/2002 04/09/2002 04/15/2002

AUD REN REN NSF

$1000. $300. $300. $25.

05/07/2002
05/28/2002 05/28/2002

Nexus Financial Group, Inc. USA Mortgage Services Brandon Garrett Sims Brandon Garrett Sims

West Palm Beach

FL

Alpharetta

GA

Marietta

GA

Marietta

GA

12635 12636 12681 12684

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

05/20/2002

Quality Financial Management Steven Lynn Berkheimer Homes 4 U, Inc. ATM Funding, Inc.

Stone Mountain

GA

Duluth

GA

Atlanta

GA

Gainesville

GA

12745 04/09/2002 REN

$300.

Mortgage Bankers Service Corp.

Coral Springs

FL

12745 04/23/2002 AUD

$1000.

Mortgage Bankers Service Corp.

Coral Springs

FL

12751 04/23/2002 AUD

$1000.

05/16/2002 Platinum Capital Group

Irvine

CA

12759 04/09/2002 REN

$300.

Eugene Wilson

Duluth

GA

12784 04/09/2002 REN

$300.

05/10/2002 Real Estate Custom Finance, Inc.

Kennesaw

GA

12785 04/09/2002 REN

$300.

Affinity Mortgage Services, Inc.

Loganville

GA

12802 04/09/2002 REN

$300.

05/14/2002 Your Mortgage Corporation, Inc.

Atlanta

GA

12828 04/09/2002 REN

$300.

First Capital Mortgage Corporation

Marietta

GA

12842 04/09/2002 REN

$300.

Willie C. Edmond

Macon

GA

12868 04/23/2002 AUD

$1000.

05/16/2002 World Wide Financial Services, Inc.

Southfield

MI

12901 04/09/2002 REN

$300.

AllPointe Mortgage & Finance, Inc.

Atlanta

GA

12916 04/09/2002 REN

$300.

Best Financial Services, Inc.

Thomson

GA

12935 04/09/2002 REN

$300.

Ana Pierce & Associates, Inc.

Marietta

GA

12953 12962 12962 12969

04/09/2002 04/09/2002 04/23/2002 04/09/2002

REN REN AUD REN

$300. $300. $1000. $300.

05/15/2002 05/10/2002

Mortgage Store, Inc. (The) Stone Castle Financial, Inc. Stone Castle Financial, Inc. Kingdom Mortgage, LLC

Marietta

GA

Sherman Oaks

CA

Sherman Oaks

CA

Birmingham

AL

12980 04/09/2002 REN

$300.

Universal Financial Services, Inc.

Atlanta

GA

13019 04/09/2002 REN

$300.

04/15/2002 Olympus Servicing, L.P.

Austin

TX

13041 04/09/2002 REN

$300.

John Alan Newsome

McDonough

GA

13046 04/09/2002 REN

$300.

Atlanta Lending Services, Inc.

Marietta

GA

13085 04/09/2002 REN

$300.

Raymond F. Rice

Columbus

GA

13090 04/09/2002 REN

$300.

Anointed Mortgage, Inc.

Lithonia

GA

13120 04/09/2002 REN

$300.

05/10/2002 Crosspoint Mortgage Corporation

Atlanta

GA

13128 04/09/2002 REN

$300.

05/10/2002 Wayne Frier Home Center of Tifton,

Tifton

GA

13186 04/09/2002 REN

$300.

Preferred Home Mortgage Company

Boca Raton

FL

13186 04/23/2002 AUD

$1000.

Preferred Home Mortgage Company

Boca Raton

FL

13189 04/09/2002 REN

$300.

04/08/2002 E-Loan, Inc.

Dublin

CA

13189 04/23/2002 AUD

$1000.

05/03/2002 E-Loan, Inc.

Dublin

CA

13194 13195 13204

04/09/2002 04/09/2002 04/09/2002

REN REN REN

$300. $300. $300.

John W. Boyer Roy L. Quinn Southern Heritage Homes, Inc.

Stone Mountain

GA

Atlanta

GA

Warner Robins

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

13215 04/23/2002 AUD

$1000.

05/13/2002 Home Loan Mortgage Corporation

Hesperia

CA

13292 04/09/2002 REN

$300.

05/10/2002 Knox Financial Group, LLC (The)

Baltimore

MD

13299 04/09/2002 REN

$300.

Embassy Mortgage Group, Inc.

Clearwater

FL

13299 04/23/2002 AUD

$1000.

Embassy Mortgage Group, Inc.

Clearwater

FL

13326 04/09/2002 REN

$300.

American Mortgage Investors,

Smyrna

GA

13351 04/09/2002 REN

$300.

04/08/2002 Tribeca Lending Corp.

New York

NY

13351 13363 13386 13398

04/23/2002 04/09/2002 04/09/2002 04/09/2002

AUD REN REN REN

$1000. $300. $300. $300.

05/17/2002

Tribeca Lending Corp. Teresa Corbin-Duarte Robert Clinton Johnson PSB Lending Corp.

New York

NY

Warner Robins

GA

Hephzibah

GA

Plano

TX

13398 04/23/2002 AUD

$1000.

PSB Lending Corp.

Plano

TX

13410 04/23/2002 AUD

$1000.

05/29/2002 Community Home Mortgage

Melville

NY

13483 04/09/2002 REN

$300.

Arteria D. Stevens

Lithonia

GA

13483 04/15/2002 NSF

$25.

Arteria D. Stevens

Lithonia

GA

13490 13497 13499 13504

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300.

Darlene R. Bonner

Lithonia

GA

$300.

Oliver Roland Sueing

Stone Mountain

GA

$300.

05/13/2002 Private Capital Group, LLC (The)

Atlanta

GA

$300.

Marvin Cummings

Lithonia

GA

13519 04/09/2002 REN

$300.

Home Zone, Inc. (The)

Thomasville

GA

13532 04/23/2002 AUD

$1000.

05/23/2002 USA Financial Services, Inc.

Chantilly

VA

13545 04/09/2002 REN

$300.

05/22/2002 American Mortgage Express Corp.

Cherry Hill

NJ

13545 04/23/2002 AUD

$1000.

05/06/2002 American Mortgage Express Corp.

Cherry Hill

NJ

13553 04/09/2002 REN

$300.

Countryside Home Loans, Inc.

Atlanta

GA

13557 13569 13571 13574

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300.

Christopher Millett

Atlanta

GA

$1000.

05/17/2002 PMCC Mortgage Corp.

Rockville Centre

NY

$300.

05/13/2002 AsiLink Mortgage Services, L.L.C.

Atlanta

GA

$300.

Ned L. King

Albany

GA

13579 13590 13592 13598

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300.

James Hilton Burke

Lawrenceville

GA

$300.

05/10/2002 Progressive Home Mortgage

COLLEGE PARK

GA

$300.

Pinnacle Mortgage Group, Inc.

Dalton

GA

$300.

Vision One Mortgages Incorporated

Lithonia

GA

13618 13625 13628 13628

04/09/2002 04/09/2002 04/09/2002 04/23/2002

REN REN REN AUD

$300. $300. $300. $1000.

04/03/2002 05/07/2002

PFN Mortgage Services, LLC William Mann Hogan Christopher E. Hobson, Inc. Christopher E. Hobson, Inc.

Vienna

VA

Stone Mountain

GA

Corona Del Mar

CA

Corona Del Mar

CA

13629 04/23/2002 AUD

$1000.

05/08/2002 Genisys Financial Corp.

San Diego

CA

13631 04/09/2002 REN

$300.

05/02/2002 Right Choice Mortgage Corporation

Atlanta

GA

13645 04/23/2002 AUD

$1000.

05/06/2002 Mortgage Amenities Corp.

Lincoln

RI

13653 04/23/2002 AUD

$1000.

05/09/2002 Vintage Mortgage Corporation

Voorhees

NJ

13697 13713 13716 13726

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

04/25/2002 04/30/2002

Money Source, Inc. Albert Lee Weaver, Jr. Donnell Woodly Edith Blackburn

Atlanta

GA

Lithonia

GA

Smyrna

GA

Decatur

GA

13732 04/09/2002 REN

$300.

Essie Nell Jenkins

Riverdale

GA

13776 04/09/2002 REN

$300.

04/15/2002 Southern Lenders Mortgage

Fairburn

GA

13782 04/09/2002 REN

$300.

Willie K. Hatchett, Jr.

Lithonia

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

13795 04/09/2002 REN

$300.

Golden First Mortgage Corp.

Melville

NY

13796 04/09/2002 REN

$300.

04/29/2002 Kennedy Mortgage Corp.

Las Vegas

NV

13809 13810 13810 13817

04/09/2002 04/09/2002 04/23/2002 04/23/2002

REN REN AUD AUD

$300. $300. $1000. $1000.

05/07/2002 05/22/2002

Eagle Mortgage Company Money Mortgage, Inc. Money Mortgage, Inc. United California Systems

Columbus

GA

Lawrenceville

GA

Lawrenceville

GA

Atlanta

GA

13826 04/09/2002 REN

$300.

SWJ Enterprises Inc.

Conyers

GA

13849 04/09/2002 REN

$300.

05/13/2002 Universal Holdings Associates, LLC

Savannah

GA

13876 04/09/2002 REN

$300.

Brenda K. Dennis

Stockbridge

GA

13883 04/23/2002 AUD

$1000.

Nationwide Lending Corporation

Irvine

CA

13895 04/09/2002 REN

$300.

Countryland Mortgage, Inc.

Milner

GA

13898 04/09/2002 REN

$300.

05/28/2002 International Mortgage Network, Inc.

Alpharetta

GA

13906 04/23/2002 AUD

$1000.

Bottomline Mortgage, Inc.

Pasadena

CA

13914 04/09/2002 REN

$300.

Lillian D. Pulliam

Atlanta

GA

13916 04/23/2002 AUD

$1000.

Surety Mortgage, Inc.

Columbia

SC

13964 04/09/2002 REN

$300.

05/01/2002 Northland Services, Inc.

Norcross

GA

13972 04/23/2002 AUD

$1000.

05/20/2002 C&G Financial Services, Inc.

Upland

CA

13983 04/09/2002 REN

$300.

Union Bancshares Mortgage Corp.

Holiday

FL

13983 04/23/2002 AUD

$1000.

Union Bancshares Mortgage Corp.

Holiday

FL

13990 04/09/2002 REN

$300.

Loretta A. King

Lithonia

GA

13998 04/09/2002 REN

$300.

04/15/2002 Georgia Home Loan & Mortgage Co.

Camilla

GA

14015 04/09/2002 REN

$300.

04/16/2002 Central Mortgage & Investments, LLC

Atlanta

GA

14018 04/09/2002 REN

$300.

Wright Solutions Group, Inc. (The)

Lilburn

GA

14020 14020 14068 14071

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300. $1000.
$300. $300.

Bridge Mortgage Bank of America, Inc. North Miami

FL

Bridge Mortgage Bank of America, Inc. North Miami

FL

Linda Arkwright Jones

Savannah

GA

Victoria A. Chennault

Lithonia

GA

14087 14087 14096 14106

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300.

Integrity Mortgage Solutions, Inc.

Snellville

GA

$1000.

Integrity Mortgage Solutions, Inc.

Snellville

GA

$300.

Douglas M. Smith

Warner Robins

GA

$300.

05/02/2002 Howe Group, Inc. (The)

Dacula

GA

14113 04/09/2002 REN

$300.

05/06/2002 T&G Guaranteed Mortgage Corp.

Atlanta

GA

14115 04/09/2002 REN

$300.

VIP Mortgage Co., Inc.

Tucker

GA

14146 04/09/2002 REN

$300.

04/15/2002 Success Mortgage, Inc.

Macon

GA

14154 04/09/2002 REN

$300.

Southeastern Mortgage Centre, Inc.

Rome

GA

14156 04/09/2002 REN

$300.

05/30/2002 Morris Capital Management, Inc.

Alpharetta

GA

14164 04/09/2002 REN

$300.

Country Classic Homes, Inc.

McRae

GA

14175 04/15/2002 REN

$300.

Essex Limited, Inc.

Atlanta

GA

14175 04/15/2002 NSF

$25.

Essex Limited, Inc.

Atlanta

GA

14176 14204 14206 14214

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Jacquelyn P. Dunn

Stone Mountain

GA

Hinkson-Grimes & Associates, Inc.

Tampa

FL

Allgood Mortgage, Inc.

Acworth

GA

Carlton Bell

Atlanta

GA

14229 14237 14238

04/09/2002 04/09/2002 04/09/2002

REN REN REN

$300. $300. $300.

05/10/2002

Evelyn Coney 1st Continental Mortgage, Inc. American Funding, Inc.

Warner Robins

GA

Fort Lauderdale

FL

Roswell

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

14254 04/09/2002 REN

$300.

Mortgage Place, Inc. (The)

Sandersville

GA

14273 04/09/2002 REN

$300.

04/29/2002 HomeFirst Mortgage Corporation

Alexandria

VA

14277 14277 14284 14291

04/24/2002 04/24/2002 04/09/2002 04/09/2002

REN NSF REN REN

$300. $25.
$300. $300.

05/06/2002 05/06/2002

MEW Enterprises, Inc. MEW Enterprises, Inc. OHI, Inc. Marathon Mortgage, Inc.

Mableton

GA

Mableton

GA

Alexandria

VA

Carrollton

GA

14297 14380 14380 14383

04/09/2002 04/15/2002 04/15/2002 04/09/2002

REN REN NSF REN

$300. $300.
$25. $300.

Chesapeake Mortgage Funding, Inc.

Roswell

GA

Elmon Benton, Jr.

Atlanta

GA

Elmon Benton, Jr.

Atlanta

GA

Homeowners Loan Corp.

Atlanta

GA

14383 04/23/2002 AUD

$1000.

Homeowners Loan Corp.

Atlanta

GA

14389 04/23/2002 AUD

$1000.

05/16/2002 Homeowners Mortgage of America,

Marietta

GA

14412 04/09/2002 REN

$300.

Wayne Frier Home Center of Augusta,

Augusta

GA

14422 04/09/2002 REN

$300.

Sheppard's Homes Inc.

Tifton

GA

14425 04/09/2002 REN

$300.

Mark Douglas Fulcher

Atlanta

GA

14444 04/09/2002 REN

$300.

Jimmy L. Prater

Savannah

GA

14483 04/09/2002 REN

$300.

05/28/2002 One World International Mortgage Co., Atlanta

GA

14513 04/09/2002 REN

$300.

Discover Mortgage Company

Tucker

GA

14522 14523 14531 14535 14543

04/09/2002 04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN REN

$300. $300. $300. $300. $300.

Cheryl Louise Crawford Strategy Financials, LLC Gail W. Ward Johnnie Wilmore, Jr. Caroline Johnson

Lithonia

GA

Alpharetta

GA

Conyers

GA

Ft. Valley

GA

Marietta

GA

14546 04/09/2002 REN

$300.

05/15/2002 Apex Mortgage Group, Inc.

Roswell

GA

14546 04/15/2002 NSF

$25.

05/15/2002 Apex Mortgage Group, Inc.

Roswell

GA

14564 04/23/2002 AUD

$1000.

05/06/2002 Entrust Mortgage, Inc.

Denver

CO

14573 04/09/2002 REN

$300.

Wall Street Mortgage Corporation

Alpharetta

GA

14590 04/23/2002 AUD

$1000.

05/02/2002 New Freedom Mortgage Corporation

Salt Lake City

UT

14611 04/09/2002 REN

$300.

Semen G. Barayev

Atlanta

GA

14614 04/09/2002 REN

$300.

Donald C. Cote, Jr.

McDonough

GA

14642 04/09/2002 REN

$300.

BNB & Associates, LLC

Opelika

AL

14650 04/23/2002 AUD

$1000.

05/07/2002 American Home Mortgage Corp.

Melville

NY

14660 04/09/2002 REN

$300.

Summit Homes of South Georgia, Inc. Albany

GA

14670 04/09/2002 REN

$300.

Eric Lorenzo Grant

Riverdale

GA

14684 04/23/2002 AUD

$1000.

05/20/2002 Resource One Mortgage Group, Inc.

Baton Rouge

LA

14689 04/09/2002 REN

$300.

McCoy Mortgage Loans of Georgia,

Dallas

GA

14691 04/09/2002 REN

$300.

Myra B. McDaniel

Stockbridge

GA

14697 04/23/2002 AUD

$1000.

05/08/2002 Stohr Capital Group, Inc.

Bellevue

WA

14710 04/09/2002 REN

$300.

Progressive Financial Group, Inc.

Atlanta

GA

14710 14722 14752 14770

04/15/2002 04/09/2002 04/09/2002 04/23/2002

NSF REN REN AUD

$25. $300. $300. $1000.

Progressive Financial Group, Inc.

Atlanta

GA

Trevor A. Woollery

Snellville

GA

SWS Funding, LLC

Atlanta

GA

Business Mortgage, Inc.

Clearwater

FL

14793 14847 14849

04/09/2002 04/09/2002 04/09/2002

REN REN REN

$300.

04/22/2002 Ironwood Homes of Homosassa, Inc.

Tifton

GA

$300.

Tri Dimensional Services, Inc.

Decatur

GA

$300.

Malete Rudkin

Amelia Island

FL

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

14857 04/09/2002 REN

$300.

04/15/2002 Marietta Mortgage Brokers, LLC

Marietta

GA

14872 04/09/2002 REN

$300.

04/12/2002 BFS Mortgage, Inc.

Macon

GA

14875 04/23/2002 AUD

$1000.

05/14/2002 Crossfire Financial Network (The)

Miami

FL

14892 04/09/2002 REN

$300.

Harold S. McGahee

Augusta

GA

14922 04/09/2002 REN

$300.

Daniel Wesley Norton

Duluth

GA

14962 04/09/2002 REN

$300.

Hershell Pierre Bullard

Riverdale

GA

14972 14975 14979 14986

04/09/2002 04/09/2002 04/23/2002 04/09/2002

REN REN AUD REN

$300. $300. $1000. $300.

04/29/2002 05/21/2002

Millenium Financial, Inc Northstar Funding, LLC Franklin First Financial Ltd Home Town Homes, Inc.

Mableton

GA

Acworth

GA

West Hempstead

NY

Tifton

GA

15007 15017 15031 15036

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Alpha Mortgage, Inc.

Chattanooga

TN

EZ Mortgage Co.

Hazlehurst

GA

Streamline Mortgage and Financial

Bonita Springs

FL

Specialized Financial Services, Inc.

Bedford

TX

15036 15049 15053 15054

04/23/2002 04/09/2002 04/23/2002 04/23/2002

AUD REN AUD AUD

$1000.

Specialized Financial Services, Inc.

Bedford

TX

$300.

IGWT Mortgage Co.

Roswell

GA

$1000.

Mega Capital Funding, Inc.

Northridge

CA

$1000.

05/07/2002 Home Finance America, Inc.

Plymouth Meeting

PA

15056 04/09/2002 REN

$300.

04/04/2002 Mortgage Capital Associates, Inc.

Los Angeles

CA

15057 04/23/2002 AUD

$1000.

05/14/2002 Loancity.com

San Jose

CA

15058 04/23/2002 AUD

$1000.

05/15/2002 SWBC Mortgage Corporation

San Antonio

TX

15059 04/09/2002 REN

$300.

Empire Home Lending Corporation

Boca Raton

FL

15060 04/09/2002 REN

$300.

Atlanta Mortgage & Realty, Inc.

Lithonia

GA

15061 15077 15078 15079

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Affordable Mortgage Of Kingsbay, Inc. Kingsland

GA

E. C. Miller, Inc.

Konxville

TN

Terrance L. Anderson

Decatur

GA

NFI, Inc.

Woodstock

GA

15081 15101 15105 15115

04/23/2002 04/23/2002 04/09/2002 04/09/2002

AUD AUD REN REN

$1000. $1000.
$300. $300.

05/16/2002 04/10/2002

MortgageIT, Inc. Best Home Loan, Inc. P&R Mortgage Services, Inc. All-In-One-Mortgage Company

New York

NY

Jacksonville

FL

Stone Mountain

GA

Jonesboro

GA

15128 04/23/2002 AUD

$1000.

05/14/2002 Centre Capital Group, Inc.

Walnut Creek

CA

15145 04/09/2002 REN

$300.

Home Secure Services, LLC

Macon

GA

15179 04/09/2002 REN

$300.

Citi Home Mortgage Corporation

Chamblee

GA

15179 04/23/2002 AUD

$1000.

Citi Home Mortgage Corporation

Chamblee

GA

15194 15200 15202 15202

04/09/2002 04/23/2002 04/09/2002 04/23/2002

REN AUD REN AUD

$300. $1000.
$300. $1000.

Infinity Home Loan, Inc.

Doraville

GA

Infinity Mortgage Company, Inc.

Norfolk

MA

Anvil Funding Corporation

Newport Beach

CA

Anvil Funding Corporation

Newport Beach

CA

15207 15223 15227 15229

04/23/2002 04/09/2002 04/09/2002 04/09/2002

AUD REN REN REN

$1000.

05/20/2002 Birmingham Bancorp Mortgage

West Bloomfield

MI

$300.

Mortgageworx Home Equity & Loan,

Marietta

GA

$300.

Accel Mortgage, Inc.

Schaumburg

IL

$300.

Roger L. McGowan

Calhoun

GA

15235 04/23/2002 AUD

$1000.

05/24/2002 D&M Financial Corp.

Belleville

NJ

15237 04/09/2002 REN

$300.

Stanley M. Robinson

Lithonia

GA

15248 04/23/2002 AUD

$1000.

05/03/2002 Sterling Capital Mortgage Company

Houston

TX

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

15251 15252

04/09/2002 REN 04/09/2002 REN

$300. $300.

Joseph Corey Quintons, Sr. Capital Lending Group, Inc.

Ellenwood

GA

Douglasville

GA

15283 04/23/2002 AUD

$1000.

05/29/2002 State Mutual Insurance Company

Rome

GA

15302 04/09/2002 REN

$300.

David M. Phillips

Chattanooga

TN

15306 04/09/2002 REN

$300.

04/10/2002 Georgia Residential Mortgage

Macon

GA

15346 04/09/2002 REN

$300.

05/10/2002 Iwayloan.com, Inc.

Houston

TX

15349 04/09/2002 REN

$300.

04/03/2002 NovaStar Home Mortgage, Inc.

Westwood

KS

15358 04/09/2002 REN

$300.

James D. McWhorter, Jr.

Atlanta

GA

15384 04/09/2002 REN

$300.

04/25/2002 Bobby Randall Eason

Albany

GA

15392 04/23/2002 AUD

$1000.

05/03/2002 Choice Capital Funding, Inc.

Alpharetta

GA

15396 04/23/2002 AUD

$1000.

05/20/2002 American Financial Services Group,

Savannah

GA

15410 04/09/2002 REN

$300.

Denise Mosby

Smyrna

GA

15411 04/09/2002 REN

$300.

Chris N. Bradt

Marietta

GA

15414 04/09/2002 REN

$300.

Larry Stariha

Smyrna

GA

15422 04/09/2002 REN

$300.

Southern Atlantic Mortgage Group,

Alpharetta

GA

15438 04/23/2002 AUD

$1000.

05/06/2002 CMG Mortgage, Inc.

San Ramon

CA

15456 04/09/2002 REN

$300.

Jennifer Phillips

Smyrna

GA

15485 04/09/2002 REN

$300.

Peoples Home Mortgage Corporation, Lake Charles

LA

15486 15492 15499 15508 15510

04/09/2002 04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN REN AUD REN REN

$300.

05/10/2002 Apple Valley Financial Group, Inc.

Cartersville

GA

$300.

05/03/2002 Statewide Mortgage & Financial

Fayetteville

GA

$1000.

04/29/2002 Gateway Funding Diversified

Fort Washington

PA

$300.

Professional Mortgage Brokers

Columbia

SC

$300.

04/16/2002 Putnam Mortgage & Finance, LLC

Eatonton

GA

15524 15529 15531 15547

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Olayinka O. Blackshear

Atlanta

GA

Bill King's Mobile America, Inc.

Loganville

GA

Robert Steven Orr

Atlanta

GA

Latarcha Demery

Atlanta

GA

15557 15560 15561 15563

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300.

04/23/2002 Mortgage Resource Services, Inc.

Fayetteville

GA

$300.

Felma Andrews

Stone Mountain

GA

$300.

05/20/2002 Henry Rawls, Jr.

Marietta

GA

$300.

Janet Y. Davis

Atlanta

GA

15581 04/09/2002 REN

$300.

Bond Street Mortgage, LLC

Tucker

GA

15584 04/09/2002 REN

$300.

04/04/2002 Affordable Mobile Homes, LLP

Toccoa

GA

15592 04/09/2002 REN

$300.

IGI Mortgage & Financial Services, Inc. Atlanta

GA

15602 04/23/2002 AUD

$1000.

American Pioneer Financial Services,

Bluffdale

UT

15619 04/09/2002 REN

$300.

Brother's Installed Sales, Inc.

Carrollton

GA

15622 04/09/2002 REN

$300.

04/30/2002 HomeBanc Mortgage Corporation

Atlanta

GA

15622 04/23/2002 AUD

$1000.

05/29/2002 HomeBanc Mortgage Corporation

Atlanta

GA

15631 04/09/2002 REN

$300.

Robert A. Rowe

Roswell

GA

15633 15633 15647 15658

04/09/2002 04/15/2002 04/09/2002 04/23/2002

REN NSF REN AUD

$300. $25.
$300. $1000.

05/13/2002

Roger E. Greear Roger E. Greear Lotus Financial Services, Inc. Impac Funding Corporation

Chattanooga

TN

Chattanooga

TN

Cumming

GA

Newport Beach

CA

15678 04/09/2002 REN

$300.

Joyce D. Overton

Smyrna

GA

15686 04/09/2002 REN

$300.

05/22/2002 Victory Mortgage, Inc.

Carrollton

GA

15697 04/23/2002 AUD

$1000.

05/16/2002 Your-Best-Rate Financial, LLC

Atlanta

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

15698 15704

04/09/2002 REN 04/09/2002 REN

$300. $300.

04/19/2002 Park West Mortgage, Inc. Irma Head Blake

Kennesaw

GA

Snellville

GA

15708 15711 15726 15736

04/09/2002 04/09/2002 04/23/2002 04/09/2002

REN REN AUD REN

$300. $300. $1000. $300.

05/02/2002

Senior Homeowners Financial Connie J. Baker Republic State Mortgage Co. Lisa R. Burns

Ft. Lauderdale

FL

Douglasville

GA

Houston

TX

Calhoun

GA

15742 15744 15751 15753

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Micki M. McGuire Hassan N. Rashadeen Jeanette L. Anderson Solar Shield Industries, Inc.

Roswell

GA

Macon

GA

Stone Mountain

GA

Odenville

AL

15762 15769 15778 15780

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Investmor, Inc. Alease M. Lewis Monessa J. Cuby Hubert Edmond Wilson

Lawrenceville

GA

Lithonia

GA

Lithonia

GA

Lithonia

GA

15787 04/09/2002 REN

$300.

Annette Wilkinson

Atlanta

GA

15789 04/09/2002 REN

$300.

04/19/2002 Equity Financial Mortgage, Inc.

Tucker

GA

15799 04/09/2002 REN

$300.

Mortgage Makers USA, Inc.

Boca Raton

FL

15801 04/09/2002 REN

$300.

05/10/2002 Genesis Mortgage Inc.

Kingsland

GA

15820 15825 15827 15832 15835

04/09/2002 04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN REN

$300. $300. $300. $300. $300.

Allright Mortgage, Inc. Michael Lee Carroll Christopher J. Cokley Kenneth J. Wiggins, Jr. James Wade Nordstrom

MABLETON

GA

Carrollton

GA

Atlanta

GA

Carrollton

GA

Snellville

GA

15836 15846 15854 15856

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

05/13/2002

Theresa H. Jackson Anchor Mortgage, Inc. Danny Keith Goodman Kenneth Edward Poskey

Snellville

GA

Warner Robins

GA

Stockbridge

GA

Marietta

GA

15858 15860 15863 15876

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

William James Doanes HomeSouth Lending, Inc. Charles Joseph McCusker Jennifer Brunswick Carr

Lithonia

GA

Roswell

GA

Stockbridge

GA

Warner Robins

GA

15889 15907 15907 15913

04/09/2002 04/09/2002 04/15/2002 04/09/2002

REN REN NSF REN

$300. $300.
$25. $300.

Fonseca Financial Services, Inc.

Stone Mountain

GA

Roy Mitchell Bennett

Stone Mountain

GA

Roy Mitchell Bennett

Stone Mountain

GA

George Burkett Kirkland

Calhoun

GA

15933 15946 15958 15960

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

William E. Mosher Stacey Lamar Bell John Monroe Robertson Amanda G. Tarrant

Roswell

GA

Atlanta

GA

Stockbridge

GA

Stockbridge

GA

15961 15967 15974 15986

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Maggie Ruth Wright Amira Sa'Di Barbara Jean Shamlin Georgia Walton Andrews

Stone Mountain

GA

Duluth

GA

Stone Mountain

GA

Tucker

GA

16035 04/23/2002 AUD

$1000.

05/02/2002 1st Republic Mortgage, Inc. (New

Floral Park

NY

16038 04/09/2002 REN

$300.

Dupont Mortgage Group, Inc.

Tampa

FL

16047 04/09/2002 REN

$300.

H&H Mortgage, LLC

Atlanta

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

16049 16054

04/23/2002 AUD 04/09/2002 REN

$1000. $300.

05/20/2002 L & S Mortgage Corporation 04/08/2002 ComUnity Lending, Incorporated

Jacksonville Beach

FL

Morgan Hill

CA

16057 04/09/2002 REN

$300.

05/10/2002 Intermax Mortgage, LLC

Norcross

GA

16062 04/09/2002 REN

$300.

Stacey Koller Fields

Cumming

GA

16101 04/09/2002 REN

$300.

05/03/2002 Cloverleaf Housing, Inc.

Cartersville

GA

16123 04/09/2002 REN

$300.

04/24/2002 Metro Mortgage Brokers of Athens,

Athens

GA

16131 04/09/2002 REN

$300.

Interland Associates, Inc.

Savannah

GA

16131 04/23/2002 AUD

$1000.

Interland Associates, Inc.

Savannah

GA

16137 04/09/2002 REN

$300.

McIntosh Mortgage, Inc.

McDonough

GA

16142 04/09/2002 REN

$300.

04/08/2002 Jones Family Home Center, Inc.

Valdosta

GA

16162 04/09/2002 REN

$300.

Sun G, Inc.

Norcross

GA

16181 04/23/2002 AUD

$1000.

05/29/2002 Loan Link Financial Services

Aliso Viejo

CA

16214 04/09/2002 REN

$300.

05/10/2002 Madeline G. Pass

San Mateo

FL

16215 04/11/2002 UL

$1000.

04/30/2002 Credit Max Mortgage, Inc

Kennesaw

GA

16216 16216 16249 16252

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300. $1000.
$300. $300.

UST Mortgage

Ashland City

TN

UST Mortgage

Ashland City

TN

Kirby's Hometown Mortgage, Inc.

Hiram

GA

Canice C. Onuegbu

Snellville

GA

16260 16277 16277 16281 16285

04/09/2002 04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN REN AUD REN REN

$300. $300. $1000. $300. $300.

05/10/2002

Trident Mortgage Services CyberLoanOfficer. Com, Inc CyberLoanOfficer. Com, Inc T.L.H. Mortgage Corporation Cedar Ridge Mortgage, Inc

St. Marys

GA

Oak Brook Terrace

IL

Oak Brook Terrace

IL

Norcross

GA

Greenville

SC

16286 04/11/2002 B&R

$500.

05/30/2002 Anointed Services, Inc.

Covington

GA

16302 04/09/2002 REN

$300.

Boston Financial, Inc.

Marietta

GA

16302 04/23/2002 AUD

$1000.

Boston Financial, Inc.

Marietta

GA

16303 04/23/2002 AUD

$1000.

05/06/2002 RLI Mortgage Services, LLC

Peoria

IL

16314 04/09/2002 REN

$300.

Better Homes Improvement Company

Woodstock

GA

16328 04/09/2002 REN

$300.

CharterWest Mortgage, LLC

Golden

CO

16332 04/11/2002 B&R

$500.

04/25/2002 Pentagon Mortgage, Inc

Clarkston

GA

16332 04/11/2002 B&R

$500.

04/25/2002 Pentagon Mortgage, Inc

Clarkston

GA

16333 16333 16348 16348

04/09/2002 04/23/2002 04/09/2002 04/23/2002

REN AUD REN AUD

$300. $1000.
$300. $1000.

Consumer Home Mortgage, Inc.

Melville

NY

Consumer Home Mortgage, Inc.

Melville

NY

H.D. Vest Mortgage Services, Inc.

Irving

TX

H.D. Vest Mortgage Services, Inc.

Irving

TX

16361 04/09/2002 REN

$300.

05/03/2002 Hogarty Funding Group, Inc.

Pleasanton

CA

16389 04/09/2002 REN

$300.

Jerry Moore

Snellville

GA

16411 04/09/2002 REN

$300.

Triple J Homes

Carrollton

GA

16421 04/09/2002 REN

$300.

Alethea D. Temple

Calhoun

GA

16422 16436 16443 16443

04/09/2002 04/09/2002 04/09/2002 04/23/2002

REN REN REN AUD

$300. $300. $300. $1000.

Goldpoint Mortgage, Inc.

Marietta

GA

Gold Coast Mortgage Group, Inc.

Stone Mountain

GA

HomeOne Credit Corp.

Houston

TX

HomeOne Credit Corp.

Houston

TX

16445 04/09/2002 REN

$300.

05/06/2002 Satisfaction & Service Housing, Inc

Savannah

GA

16448 04/09/2002 REN

$300.

Eagle Mortgage Investments

Norcross

GA

16521 04/09/2002 REN

$300.

Universal Mortgage Solutions, LLC

Snellville

GA

FINES ASSESSED IN APRIL 2002

ID#

ISSUE

DATE

FINE REASON

FINE

PAID DATE

COMPANY NAME

CITY

ST

16527 16529

04/09/2002 REN 04/09/2002 REN

$300. $300.

American Mortgage and Finance, Inc. Roswell

GA

Bruce Gordon Smith

Warner Robins

GA

16538 16542 16546 16559

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Tania Renia Garland

CALHOUN

GA

John Anthony Whitehead, Jr.

Atlanta

GA

Susan Marie Kirkland

Calhoun

GA

Daryl Marshall Billingsley

Carrollton

GA

16564 16582 16585 16585

04/09/2002 04/09/2002 04/09/2002 04/23/2002

REN REN REN AUD

$300.

05/23/2002 Pai Moua Xiong

Chamblee

GA

$300.

Realty Finance, LLC

MARIETTA

GA

$300.

04/24/2002 Professional Mortgage Corporation

City of Industry

CA

$1000.

05/13/2002 Professional Mortgage Corporation

City of Industry

CA

16588 04/09/2002 REN

$300.

Priscilla Ann Jackson

Lithonia

GA

16589 04/09/2002 REN

$300.

Quinton Blanks

Carrollton

GA

16609 04/23/2002 AUD

$1000.

05/02/2002 Equity Services, Inc.

Raleigh

NC

16620 04/23/2002 AUD

$1000.

05/13/2002 Credit Suisse First Boston Financial

Princeton

NJ

16623 04/23/2002 AUD

$1000.

Pioneer Retail Corporation

Fitzgerald

GA

16627 04/09/2002 REN

$300.

04/03/2002 Liberty Funding Services, Inc.

Parsippany

NJ

16649 04/09/2002 REN

$300.

Joseph Michael Gent

Calhoun

GA

16652 04/09/2002 REN

$300.

Mortgage Services U.S.A. Inc.

Dania Beach

FL

16661 16696 16724 16725 16765

04/09/2002 04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN REN

$300.

05/13/2002 JLM Direct Funding, Ltd.

Houston

TX

$300.

Southland Funding Corporation

Suwanee

GA

$300.

Trina Shanine' Alston

Stone Mountain

GA

$300.

Century Plus Financial Group, Inc.

Venice

FL

$300.

Jo Ann D. Motte

Chatsworth

GA

16770 04/09/2002 REN

$300.

05/28/2002 Lions Share Financial Corporation

Atlanta

GA

16782 04/09/2002 REN

$300.

Portfolio Associates, Inc.

Atlanta

GA

16786 04/09/2002 REN

$300.

Lance Dustin Newsome

McDonough

GA

16787 04/09/2002 REN

$300.

Richard Taylor Forbus

Snellville

GA

16811 16824 16828 16858

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

05/02/2002

David Rieder U. S. Financial Services, Inc. Juli Kae Borthwick Summit Brokers, Inc.

McDonough

GA

Alpharetta

GA

Warner Robins

GA

Dewy Rose

GA

16877 16880 16896 16901

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

Carter Insurance and Financial

Duluth

GA

Kimberly Ann Watson

Lawrenceville

GA

LoanCents Financial Services, Inc.

North Charleston

SC

Bristol Home Mortgage Lending, LLC

Atlanta

GA

16906 16906 16911 16913

04/09/2002 04/23/2002 04/09/2002 04/09/2002

REN AUD REN REN

$300. $1000.
$300. $300.

Challenger Mortgage Corporation

Houston

TX

Challenger Mortgage Corporation

Houston

TX

EliteAgents, Inc.

Woodstock

GA

Bancom Financial Services, Corp.

Athens

GA

16932 16979 17026 17036

04/09/2002 04/09/2002 04/09/2002 04/09/2002

REN REN REN REN

$300. $300. $300. $300.

SouthEastern Capital Mortgage, Inc.

Oxford

AL

PDQ Mortgage Company (Texas)

San Antonio

TX

Johnny Dean Bentley

Lawrenceville

GA

Erica M. Bradley-Cooper

Stone Mountain

GA

17043 17069

04/09/2002 REN 04/09/2002 REN

$300. $300.

05/17/2002 Central Funding, Inc. 05/10/2002 Leonard Willis

Norcross

GA

Macon

GA

FINE REASON

1099 1099 employees

B&R BR CD CIC EMP FEE

Books & records Unapproved branch
Violation of Cease & Desist Order Acq. of 25% ownership without approval
Employer under C&D or revocation $6.50 fees not paid

LAR NSF
REL REN
UL OTH

FILE Loan files not properly maintained
Late filing Written Annual Report Check returned for insufficient funds
Relocation of office without notice Renewal filed late
Doing business with unlicensed entity Miscellaneous other