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