Monthly summary of mortgage activities, Apr. 2003

Monthly Summary of Mortgage Activities
Georgia Department of Banking and Finance
2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565
FOR THE PERIOD ENDING APRIL 2003
SUMMARY OF ACTIVITIES - MORTGAGE DIVISION ----------------------------------------------------------------------------------------------------------------------------------------------------
**IMPORTANT NOTES**
LICENSE RENEWALS
The ANNUAL LICENSE RENEWAL process is now underway. Renewal application forms for the fiscal year 2004 mortgage licenses were distributed beginning February 7, 2003. A $300 late fine will be assessed against licensees who did not return the renewal application form by the close of business on April 1, 2003. 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, 2003, will have their licenses expire, and will have to cease operations. If you have not received your renewal application forms, please contact the Department immediately.
PLEASE NOTE:
The January 2003 Summary of Activities - Mortgage Division indicated that First Atlantic Mortgage (license #5781) had been fined $1000 for employing a felon. This fine should not have been published.
FY2003 HOUSEKEEPING BILL - MORTGAGE PROVISIONS
The Department's housekeeping bill was passed by the General Assembly on April 10, 2003. The following is a recap of the provisions of that bill affecting mortgage licensees. The bill is awaiting the Governor's signature, but please be aware of the following important changes affecting the Mortgage Industry. Most changes go into effect July 1, 2003, pending signature of the Governor. A copy of the complete provisions of the bill pertaining to the Mortgage Industry can be found on the following web page, in the last section on that page. www.state.ga.us/dbf/mortgage_forms.html
EXEMPTIONS Section 7-1-1001 (11) added language to specify that a person who is using the employee exemption from the licensing requirement must continuously maintain that exemption. To be exempt, a natural person must be employed by only one such employer and must be at all times eligible for employment in compliance with the provisions and prohibitions of Code Section 7-1-1004;. The requirement referred to in 7-1-1004 is that a convicted felon may not work in this industry unless their rights have been restored prior to employment.
Section 7-1-1002 (a) added item (3) which further prohibits transaction of business without a license, such that for an employee exemption, the person must be qualified as stated in 7-1-1001 (11), which added the provision noted above regarding being "at all times eligible" for employment. "(3) In the case of an employee of a mortgage broker or mortgage lender, such person has qualified to be relieved of the necessity for a license under the employee exemption in paragraph (11) of Code Section 7-1-1001."

Section 7-1-1002 (b) was amended to clarify the exemption from licensing for a natural person who purchases five or fewer mortgage loans in any one calendar year by adding "solely as an investment and who is not in the business of brokering, making, purchasing, or servicing mortgage loans". It was not clear that for these persons, to be exempt, they could not be in the business of buying or selling mortgage loans, and it needed to specifically state that.
FINANCIAL REQUIREMENTS BROKERS Section 7-1-1003.2 (a), relating to financial requirements for licensing and registration, was amended to change the minimum net worth requirement option for brokers from $25,000 to $100,000. The bond option remains the same at $50,000. Please note that beginning July 1, 2003, this new net worth requirement will be in effect. This does not affect the RENEWALS that are in process for the 2003-2004 annual licenses. New applications taken after July 1, 2003 and renewals beginning with the 2004-2005 renewal period will be covered by the new requirements.
Another change provides that if the broker is an approved HUD mortgage loan correspondent, then the broker may provide annual proof of such HUD approval in lieu of the $50,000 bond, along with a copy of their most recent certified audit reflecting the HUD approved tangible net worth presently set at $63,000. This audit must also have to meet the Department's requirements set forth in Department rule 80-11-2.05 concerning audits, which require that the audit not be more than 15 months old, dated no more than 12 months from the last audit provided, and be performed by a properly licensed CPA or RPA.
LENDERS Section 7-1-1003.2 (b), relating to financial requirements for licensing and registration for lenders, was amended to provide a bond option for lenders. This new option allows the lender to provide a bond in the amount of $150,000 in lieu of providing the required audited financial statement reflecting a minimum tangible net worth of $250,000. The bond and audit requirements for HUD approved lenders were not affected by these revisions.
LICENSING REQUIREMENTS Section 7-1-1004 (h), relating to the investigation of an applicant and its officers, audit, education, experience, and other requirements relative to licensees and registrants, was amended to clarify that if a license is revoked, the revocation prevents the company AS WELL AS the officers of that licensee from being an officer in a new mortgage company for a period of 3 years from the date the revocation became final. Therefore, if an individual is an officer or directs the affairs of a company whose license is revoked, the officers can not serve as an officer or direct the affairs of a new company for three years after the revocation.
CONFIDENTIALITY Section 7-1-1009 (f), allows the Department to release certain information obtained by the department in the course of its duties as provided in this subsection. The following information was added to the information which the Department may provide to the public: (1) The name, business address, and telephone, fax, and license numbers of a licensee or registrant; (2) The names and titles of the principal officers. This information is available on the Department's website or upon written request.
SUSPENSION AND REVOCATION OF LICENSES Section 7-1-1017(a) (1), relating to suspension or revocation of licenses, notice, judicial review, etc., added the provision that the Department may revoke a mortgage license if the licensee violates the provisions of the Georgia Fair Lending Act, Chapter 7-6A of Title 7 of the Official Code of Georgia.
New Subsection 7-1-1017 (g) was added. This provides for the enforcement of any final order of suspension or revocation of a licensee through the Attorney General's office, who on behalf of the Department will petition the principal court for an order directing such person to obey the order of the Department within the period of time fixed by the court.
CEASE AND DESIST ORDERS Section 7-1-1018(a) expands the power of the Department to issue cease and desist orders to any person who violates a prohibited act in Code Section 7-1-1013.

Section 7-1-1018 (a) was further amended to add the following provisions for license expiration in the event of surety bond cancellations by adding: "If a cease and desist order is issued to a person who has been sent a notice of bond cancellation and if the bond is reinstated or replaced and such documentation is delivered to the department within the 30 day period following the date of issuance of the order, the order shall be rescinded. If the notice of reinstatement of bond is not received within the 30 days, the license shall expire at the end of the 30 day period and the person shall be required to make a new application for license and pay the applicable fees."
The previous license revocation provision for failure to maintain bond coverage permitted a licensee whose bond was cancelled to request an administrative hearing and continue operations while waiting on the hearing, which often took months to complete. Meanwhile, consumers were unprotected. Therefore now, if a licensee's bond is cancelled, they will be notified by the surety and the Department, and they will have 30 days to replace the bond or their license will expire. There is no provision for a hearing for a cease and desist order issued for a bond cancellation.
WRITTEN BRANCH POLICY
Each licensee seeking approval of an additional office must have a Written Branch Policy. The policy should include items such as how the licensee will supervise branch operations (branches located in GA must be supervised by a licensee), how income and expenses of branches will be reported (financial information), how branch employees will be paid (must be W-2 employees of licensee), the mortgage loan transaction journal, etc. The policy must include a statement that branches are under the control of licensee and licensee accepts full responsibility for the actions of branch personnel. The policy should not just be a copy of licensee's employee's handbook, operating procedures manual, etc., unless such information is included in these publications.
BACKGROUND CHECKS
Code Section 7-1-1004 (f) requires that each employer obtain background checks on all employees who work for them in the state of Georgia and who also have the authority to enter, delete, or verify any information on any mortgage loan application form or document. Generally, background checks should be performed prior to employment or within the first 90 days from the hire date, and the information should be securely maintained in the employees's personnel file.
Please be aware of the fact that these background checks have to be a full Georgia Criminal History Record Check, not just a Georgia Felony Convictions Report, and that the reports have to be Georgia Crime Information Center (GCIC) performed checks. Felony only checks, available without a signed background check consent form, are not acceptable for licensing purposes.
The number of prior year's criminal history reviewed in the check should also not be limited as there is no time limitation regarding felony convictions in this statute.
Since this is a full GCIC check of the employee's criminal background, a signed background check consent form is required from each employee. The full report provides misdemeanor and felony arrests and convictions in the state of Georgia, except for first offender cases, and may indicate whether a person is a multi-state offender. In the event the report indicates that an employee is a multi-state offender, the employer must submit two fingerprint cards to the Department on the employee for a full FBI background check on the employee.
In order to properly identify the individual and obtain the full background check, the authorization from must provide the following information on the employee: Complete name and full address, date of birth, sex, race , and social security number. Remember, licensees will have to obtain a signed background check authorization form from their employees to have this background check performed by GCIC.
Background Check Authorization forms are available on the Department's website at: www.state.ga.us/dbf/mortgage_forms.html. On that page click on the Application & Registration Forms drop-

down box for either the Word or Adobe form for the Background Check Form for Use at Law Enforcement Agencies. If you need to request fingerprint cards, the request form and instructions are on that same web page. The other background check forms on that site are for use by licensees when submitting management, owner, and employee information to the Department to authorize the Department to perform the background checks for licensing purposes.
LOAN PROCESSORS
BEGINNING OCTOBER 1, 2003, INDEPENDENT LOAN PROCESSORS WILL BE REQUIRED TO BE LICENSED AS MORTGAGE BROKER IN ORDER TO PROCESS GEORGIA RESIDENTIAL MORTGAGE LOANS.
License Applications for loan processors to obtain a Georgia mortgage broker license will be available on the Department's website, www.state.ga.us/dbf, no later than June 1, 2003. For those who wish to apply early, the existing mortgage broker license application may be used.
Mortgage brokers and mortgage lenders who currently utilize the services of an independent loan processor will be required to verify that the independent loan processor is properly licensed. After October 1, 2003, mortgage brokers and mortgage lenders who continue to utilize the services of independent loan processor who is not properly licensed will be fined $1,000 per loan processed in violation of the Georgia Residential Mortgage Act and their license shall be subject to suspension or revocation [Rule 80-11-3-.01 (1) (a)].
Loan processors who work exclusively for a single mortgage broker or mortgage lender, or who work for a licensed mortgage processing company, and who are supervised on a daily basis by that mortgage broker or mortgage lender or mortgage processor and who are compensated on a W-2 basis or who otherwise qualify for the employee exemption in Section 7-1-1001 (11) O.C.G.A. will not be required to be licensed.
Independent loan processors who wish to be licensed and continue to process Georgia residential mortgage loans will be required to meet all licensing requirements necessary to obtain a mortgage broker license. These requirements will include proof of required education, criminal background history, surety bond, satisfactory credit history, use of allowed business name, proper registration of incorporation and trade names, etc.
Approval of the license application will take approximately 10 to 12 weeks; however, some applications will take longer to approve. Applicants should be fully aware of this processing time to avoid possible delays in their ability to conduct business.
E-MAILING THE DEPARTMENT
The Department would like to encourage you to correspond with us using e-mail.
Providing written details in the e-mail regarding any questions or concerns you may have allows the Department to forward the request to the appropriate person who handles that area, and if sufficient details are provided in the request, that person can then more efficiently provide you an answer.
The e-mail address is dbfmort@dbf.state.ga.us
A detailed message which will be distributed to the proper individual will help us help you. In the event you still need additional information, please contact us by phone.
GEORGIA FAIR LENDING ACT
This law has been amended. You may view the current changes by going to the following website: http://www.legis.state.ga.us/legis/2003_04/versions/sb53_SB_53_HCSFA_9.htm

MORTGAGE APPLICATION
The Mortgage Division has revised several application forms including Change In Management, Change In Address, and Change In Control. Please refer to the following website to review the current forms: http://www.ganet.org/dbf/mortgage_forms.html .
DISTRIBUTING THE MONTHLY SUMMARY
The Monthly Summary of Mortgage Activities is E-mailed each month to licensees. The Department requests that all licensees provide the Department a valid E-mail 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 E-mail 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/
CEASE AND DESIST ORDERS - Issued
Professional Lending, LLC (license no. 13104) Augusta, GA - Cease and Desist Order issued 03-27-03 and became final 04-16-03.
R37G, LLC (license no. 16930) Thomson, GA - Cease and Desist Order issued 04-03-03 and became final 04-23-03.
CEASE AND DESIST ORDER - Lifted
None
FINAL CONSENT ORDER
None

LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN APRIL 2003

ID#
5658 6482 6743 6892 7047 7249 12990 13171 13268 13790 14243 14518

NAME
WACHOVIA MTG CORP WILKES FINANCE CORP MTG APPROVERS CO LLC LEADER MTG CO (THE) COMPASS MTG INC PREFERRED MTG GROUP INC FINL RESOURCE CONS INC DAVIS, PAMLA A WAYNE FRIER HM CTR HORIZON MTG LENDING INC KULESZA, GEORGE TRINITY FINL SVCS LLC

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

REVOKED
08/05/2002 04/04/2003 04/04/2003 04/21/2003
04/29/2003

EXPIRED

SUSPENDED

WITHDRAWN
04/18/2003 04/15/2003 04/17/2003 04/02/2003 04/14/2003 04/11/2003

04/01/2003 04/08/2003

DENIED

LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED IN APRIL 2003

ID#
14715 15012 15371 15479 15500 16047 16062 16351 16935 17158 17168 17207 18023 17960 18330 18350

NAME
1ST CAP MTG & ASSOC INC RBC MORTGAGE COMPANY HILL STREET CAPITAL LLC CHANIN, EREZ J PINE CREEK CAP INC H&H MORTGAGE, LLC KOLLER, STACEY A MTG RESOURCE GRP INC HOME SOURCE MTG CORP GA MTG SOLUTIONS INC CHANDLER, CHERYL A CHARLES, NADEGE JOSEPH, FRANHER PINNACLE HOME MTG MORTGAGE MIX, INC. (THE) FIRST USA FUNDING, INC.

CODE
BD LD BD BD BD BD BD BD LD BD BD BD BD BD BD BD

REVOKED
02/14/2003
04/29/2003 03/26/2003 04/04/2003
02/07/2003 04/08/2003 04/22/2003

EXPIRED

SUSPENDED WITHDRAWN
04/04/2003 04/25/2003 04/01/2003
02/27/2003 04/08/2003
04/23/2003 04/18/2003 04/11/2003 04/11/2003

DENIED

TOTAL: 28

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2003

ID# COMPANY NAME

CITY

6819 14718 18050 18069 18079 18116 18150 18155 18161 18162 18163 18164 18172 18173 18182 18183 18186 18188 18189 18190

Complete Hm Lending, Inc. + Hillcrest Mtg Properties, Inc. * Jandair Mortgages, Inc. Lillie K. McDougal S F Merritt, Inc. Legacy Mortgage Group, LLC Network Funding Corporation Real-Time Processing, LLC Cypress Mortgage, Inc. Big League Capital, LLC Alexander Spears Mallis Vanguard Home Mortgage, Inc. B & C Mortgage Plus, Inc. Anthony Lamar Walker Kenneth Lee Gerdes, Jr. Darlene F. Anthony Steven Frank Osborne Suzanne H. Rabitsch William Keith Rabitsch Thomas Wade Register

JACKSONVILLE ATLANTA CUMMING STOCKBRIDGE LITHONIA DECATUR HOUSTON ROSWELL ALPHARETTA MARIETTA SMYRNA DULUTH ALPHARETTA COLUMBUS MACON SYLVANIA FORSYTH DULUTH DULUTH SANDERSVILLE

ST MB CODE
FL B GA L GA L GA B GA B GA B TX L GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B

ORIGINAL APPROVAL
04/01/1994 05/28/1999 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003

RENEWAL
04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003

REINSTATED

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2003

ID# COMPANY NAME

18191 18192 18193 18194 18197 18198 18199 18206 18207 18208 18209 18210 18216 18220 18222 18223 18225 18229 18236 18239 18242 18244 18245 18246 18247 18248 18249 18250 18253 18254 18255 18259 18262 18263 18264 18270 18283 18284 17560 18118 18148 18221 18282 18287 18288 18290

John R. Gantt Harry H. Hardaway, Jr. Dorothy May Iannone Julius White Goddard, Jr. Tower Mortgage & Financial Patriot Mortgage Group, LLC Mortgage Lighthouse, Inc. Paul J. Fister Carlton W. Wheeler, Jr. Rudolph N. Patterson, Jr. Bruce A. Burnett Thomas L. Wells Carla A. Boutin Eddie Flynt Gary L. Garrett Julie K. Svardh Jason Dinneen Davidson Peachstate Financial Mortgage Rockbridge Financial, LLC Metro Mortgage Funding Atlantic Equity Mortgage Corp. Stephen Haynes Enterprises, Deborah J. Crane Cherry Tree Capital, LLC Andre K. Satterthwaite Company, Inc. (The) EMMCO, LLC George S. Lastinger United Capital Lending, LLC Harold F. Jung Global Home Loans & Finance, Young Byron Trotter Todd A. Shambo Raymond J. Evans, Jr. Creative Financial Mortgage Charles W. Dial Judy W. Yielding William A. Cowart Frank L. Eberle Gold Key Mortgage, Inc. New Equity Financial Elizabeth Ann Forrester Rufe Ed Grizzle, Jr. Dax, Inc. Paul S. James Edward Jeffrie, III

CITY
DALLAS BUFORD SAVANNAH PERRY SILVER SPRING ALPHARETTA CHARLOTTE SMYRNA MCDONOUGH MACON STOCKBRIDGE FAYETTEVILLE DAWSONVILLE ALPHARETTA ATHENS ROME SNELLVILLE LILBURN AVONDALE KENNESAW ALPHRETTA LEESBURG DULUTH PERRY SUWANEE DULUTH LEXINGTON DULUTH MACON ATLANTA HAUPPAUGE DECATUR CONYERS ALPHARETTA LITHONIA LAWRENCEVILLE MONTICELLO MILLEDGEVILLE SMYRNA JEFFERSON LOUISVILLE SUWANEE CLAYTON MARIETTA REX NORCROSS

ST MB CODE
GA B GA B GA B GA B MO L GA B NC B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B SC L GA B GA L GA B NY L GA B GA B GA B GA B GA B GA B GA B GA B GA B KY B GA B GA B GA B GA B GA B

ORIGINAL APPROVAL
04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003

RENEWAL
04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/04/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003 04/11/2003

REINSTATED

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2003

ID# COMPANY NAME

18291 18292
7111 16387 18122 18256 18257 18271 18286 18294 18302 18303 18304 18306 18307 18310 18314 18315 18316 18317 18318 18319 18320 18119 18184 18215 18293 18297 18298 18305 18321 18329 18340 12794

Jeongha Lee Steven R. Cannon Resolution Mtg Services, Inc. + Team One Mortgage, Inc. + Richard Verzyl, Jr. Ruth Ann Embrey Steve W. Denman Asset Direct Mortgage, LLC American Anchor Mortgage Landon Financial Services, Inc. Paramount Services, LLC Richard R. Mole, Jr. Rick Knight Russell M. Hamner Marc Davis John T. Gillis Cedric l. Taylor, Jr. Randy J. McClellan Billy W. Kelton Declan Finnerty Teresa Lumsden Michael Roger Edmondson Deanna Sibert Day Southern Investment Mortgage Steven Keith Michaels Anthony George Jabaley, Jr. Embassy Mortgage Co., Inc. ALS Mortgage, Inc. American Premier Mortgage Jack Phillip Aaron, III David Earl Keith AmStar Mortgage Network, Inc. Arthur Alexander Scott Riviera Mortgage, LLC

CITY
NORCROSS WOODSTOCK CUMMING ROSWELL SNELLVILLE NEWNAN WATKINSVILLE MARIETTA LAWRENCEVILLE NORCROSS DECATUR COLUMBUS HAMILTON WAYNESBORO STONE MOUNTAIN METTER ATLANTA LOCUST GROVE LAGRANGE SAVANNAH ROME GAINESVILLE ROSSVILLE ATLANTA FORT WOODSTOCK ATLANTA ATLANTA DECATUR NEWNAN JESUP MARIETTA LAWRENCEVILLE NORCROSS

ST MB CODE
GA B GA B GA B GA B GA B GA B GA B GA L GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B GA B

ORIGINAL APPROVAL
04/11/2003 04/11/2003 02/10/1995 04/27/2001 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 08/29/1997

RENEWAL
04/11/2003 04/11/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/18/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/25/2003 04/18/2003

REINSTATED
04/18/2003

TOTAL: 100

B = BROKER L = LENDER R = REGISTRANT

+ Downgrade Lender to Broker * Upgrade Broker to Lender # Upgrade Lender to Registrant

Summary is continued on next page

FINES ASSESSED IN APRIL 2003

Page: 1

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

5697 04-08-2003 $300.00 04-02-2003 Mortgage Counseling Services, Inc.

College Park

GA

5741 04-15-2003 $1,000.00

Stone Mountain Mortgage, Inc.

Tucker

GA

5831 04-08-2003 $300.00 04-02-2003 Equity One, Inc.

Marietta

GA

5852 04-09-2003 $500.00 04-23-2003 Capital Mortgage Services, Inc.

Atlanta

GA

5903 04-08-2003 $300.00

Mortgage Associated Lending Corporation Decatur

GA

5919 04-08-2003 $300.00

Infinity Mortgage Corporation

Atlanta

GA

5919 04-15-2003 $1,000.00

Infinity Mortgage Corporation

Atlanta

GA

5969 04-08-2003 $300.00 05-08-2003 Lovejoy & Associates, Inc

Atlanta

GA

5999 04-24-2003 $500.00

Wells Fargo Financial Georgia, Inc.

Atlanta

GA

6009 04-15-2003 $1,000.00 05-02-2003 Mainstreet Mortgage Makers, Inc.

Tampa

FL

6020 04-15-2003 $1,000.00

Landmark Mortgage Corporation

Cumming

GA

6024 04-08-2003 $300.00 04-07-2003 Washtenaw Mortgage Company

Ann Arbor

MI

6075 04-15-2003 $1,000.00

All State Financial & Commercial Mortgage, Inc.Atlanta

GA

6076 04-08-2003 $300.00 04-07-2003 The Mortgage Group & Investments Co., Inc. Decatur

GA

6127 04-08-2003 $300.00

Benjamin Davis

Macon

GA

6208 04-08-2003 $300.00 04-14-2003 Mortgage Outlet, Inc., The

Marietta

GA

6217 04-08-2003 $300.00 05-16-2003 Lenox Mortgage, Inc.

Roswell

GA

6287 04-08-2003 $300.00

Express Mortgage Services, Inc.

Gainesville

GA

6287 04-15-2003 $1,000.00

Express Mortgage Services, Inc.

Gainesville

GA

6320 04-08-2003 $300.00

Hilton Mortgage Corporation II

Columbus

GA

6334 04-08-2003 $300.00 04-15-2003 NGN Financial Services, Inc.

Roswell

GA

6388 04-15-2003 $1,000.00

Golden Dome Investment Co., Inc.

Warner Robins

GA

6443 04-15-2003 $1,000.00

Southern Financial Mortgage Corporation

Cumming

GA

6468 04-08-2003 $300.00

D & A, Inc.

Smyrna

GA

6476 04-08-2003 $300.00 04-21-2003 Metwest Mortgage Services, Inc.

Spokane

WA

6488 04-08-2003 $300.00 05-16-2003 EMC Mortgage Corporation

Irving

TX

6499 04-23-2003 $500.00

Ryland Mortgage Company

Woodland Hills

CA

6526 04-08-2003 $300.00

Brookwood Mortgage Funding Corp.

Atlanta

GA

6587 04-23-2003 $300.00 04-23-2003 Fifth Third Mortgage Company

Cincinnati

OH

6633 04-08-2003 $300.00 04-07-2003 Home Lending Corporation

Atlanta

GA

6635 04-08-2003 $300.00

Stewart Finance Company

Union Point

GA

6648 04-08-2003 $300.00 05-06-2003 Smith Enterprises, Inc.

Hogansville

GA

6648 04-30-2003

$25.00

Smith Enterprises, Inc.

Hogansville

GA

6743 04-08-2003 $300.00

The Mortgage Approvers Company, LLC

College Park

GA

6754 04-08-2003 $300.00

Walter Capital Corporation

Thomasville

GA

6754 04-15-2003 $1,000.00

Walter Capital Corporation

Thomasville

GA

6770 04-08-2003 $300.00 04-28-2003 First Greensboro Home Equity, Inc.

Greensboro

NC

6770 04-15-2003 $1,000.00 04-28-2003 First Greensboro Home Equity, Inc.

Greensboro

NC

6813 04-08-2003 $300.00

Ideal Mortgage Services

Senoia

GA

6836 04-15-2003 $1,000.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $1,000.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6836 04-24-2003 $500.00

Loans by Summerville, Inc.

Hephzibah

GA

6876 04-08-2003 $300.00

Leroy W. McKnight

Greenville

SC

6950 04-08-2003 $300.00 04-14-2003 Waterfield Mortgage Company, Inc.

Fort Wayne

IN

7006 04-08-2003 $300.00 04-17-2003 Chattahoochee Mortgage & Investments Corp. (CThaerr)ollton

GA

7033 04-08-2003 $300.00 04-18-2003 Mortgage Connection, LLC (The)

Smyrna

GA

7047 04-08-2003 $300.00

Compass Mortgage Inc.

Charleston

SC

7065 04-08-2003 $300.00

A-House Program Alliance, Inc.

Atlanta

GA

FINES ASSESSED IN APRIL 2003

Page: 2

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

7065 04-08-2003 $300.00

A-House Program Alliance, Inc.

Atlanta

GA

7134 04-08-2003 $300.00 05-12-2003 World Mortgage, Inc.

Chamblee

GA

7149 04-08-2003 $300.00 04-14-2003 Brookstone Mortgage Corporation

Buford

GA

7154 04-21-2003 $500.00 05-02-2003 Patio Enclosures, Inc.

Marietta

GA

7166 04-15-2003 $1,000.00 05-02-2003 Olympia Mortgage Corp.

Brooklyn

NY

7220 04-08-2003 $300.00 04-21-2003 Conseco Finance Servicing Corp.

ST. PAUL

MN

7220 04-15-2003 $1,000.00 04-28-2003 Conseco Finance Servicing Corp.

ST. PAUL

MN

7224 04-08-2003 $300.00 04-18-2003 Peachtree National Mortgage, Inc.

Fayetteville

GA

7244 04-08-2003 $300.00

Charles D. Hobbs

Blakely

GA

7244 04-15-2003 $500.00

Charles D. Hobbs

Blakely

GA

7257 04-08-2003 $300.00

LakeSide Mortgage, Inc.

Swanee

GA

7268 04-08-2003 $300.00 04-09-2003 Ameron Mortgage Corporation

Marietta

GA

7294 04-08-2003 $300.00

Randy Helton Housing Center, Inc.

Sandersville

GA

7332 04-08-2003 $300.00

Baron Homes of North GA, Inc.

Cumming

GA

7361 04-08-2003 $300.00

Siding Factory, Inc. (The)

Chattanooga

TN

7394 04-08-2003 $300.00

A & T Mortgage Credit Services, Inc.

Riverdale

GA

7398 04-08-2003 $300.00 04-22-2003 Bankers Homes of America, Inc.

Chatsworth

GA

7410 04-15-2003 $1,000.00 05-08-2003 Bann-Cor Mortgage

Mission Viejo

CA

7414 04-08-2003 $300.00

First Consumer Credit, LLC

Dallas

TX

7414 04-15-2003 $1,000.00

First Consumer Credit, LLC

Dallas

TX

7449 04-08-2003 $300.00

Tompkins Company (The)

Augusta

GA

7502 04-08-2003 $300.00 04-14-2003 Beazer Mortgage Corporation

Norcross

GA

7504 04-08-2003 $300.00 05-14-2003 Shabtay Varon

Atlanta

GA

7511 04-08-2003 $300.00 04-02-2003 Pool Depot, Inc. (The)

Atlanta

GA

7513 04-08-2003 $300.00

Money-Wise Financial Services

Columbus

GA

11341 04-08-2003 $300.00

Barron's Mortgage Services, Inc.

Lawrenceville

GA

11365 04-08-2003 $300.00

John J. Tabor

Chamblee

GA

11428 04-08-2003 $300.00

Mitchell Cosby Johnson

Jonesboro

GA

11430 04-08-2003 $300.00 04-14-2003 Sharpe Mortgage Lending Services, Inc.

Tampa

FL

11431 04-08-2003 $300.00

Taylor Mobile Homes, Inc.

Douglas

GA

11446 04-08-2003 $300.00

HomeGold, Inc.

Columbia

SC

11459 04-15-2003 $1,000.00 04-24-2003 Woodland Capital Corporation

Minneapolis

MN

11464 04-08-2003 $300.00

Joe's Pool and Concrete Service, Inc.

Macon

GA

11486 04-08-2003 $300.00

Home America Mortgage, Inc.

Lawrenceville

GA

11492 04-08-2003 $300.00

National Home Loan Corporation

Deerfield Beach

FL

11492 04-15-2003 $1,000.00

National Home Loan Corporation

Deerfield Beach

FL

11565 04-08-2003 $300.00

Atlanta Capital Mortgage, Inc.

Norcross

GA

11574 04-08-2003 $300.00

Woodbai, Inc.

Durham

NC

11574 04-15-2003 $1,000.00

Woodbai, Inc.

Durham

NC

11591 04-08-2003 $300.00

Jack R. Hobbs

Butler

GA

11597 04-08-2003 $300.00

Champion Window & Enclosure Co., Inc. of AtlaAntalanta

GA

11674 04-08-2003 $300.00

Sears Home Improvement Products, Inc.

Longwood

FL

11683 04-08-2003 $300.00

Crest Mortgage Lenders, LLC

Chattanooga

TN

11683 04-21-2003

$25.00

Crest Mortgage Lenders, LLC

Chattanooga

TN

11729 04-08-2003 $300.00 04-21-2003 Mortgage Maker, Inc. (The)

Marietta

GA

11945 04-08-2003 $300.00

Diversified Capital Corporation of Tennessee Memphis

TN

11945 04-15-2003 $1,000.00

Diversified Capital Corporation of Tennessee Memphis

TN

11968 04-08-2003 $300.00

William R. Coffeen

Roswell

GA

12027 04-08-2003 $300.00

Tyrone Geronimo Johnson

Atlanta

GA

12049 04-08-2003 $300.00

American Southern Financial Group, Inc.

Acworth

GA

12049 04-21-2003

$25.00

American Southern Financial Group, Inc.

Acworth

GA

12053 04-08-2003 $300.00

Leland Hubert Ward

Roswell

GA

12113 04-08-2003 $300.00 05-13-2003 Margaret M. Brown, Inc.

Riverdale

GA

FINES ASSESSED IN APRIL 2003

Page: 3

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

12132 04-15-2003 $1,000.00

Mid America Mortgage, Inc.

Plano

TX

12144 04-08-2003 $300.00

Eric M. Miller

Atlanta

GA

12158 04-08-2003 $300.00

Southern Exteriors, Inc.

Jacksonville

FL

12166 04-08-2003 $300.00

Tri State Funding Group, Inc.

Woodstock

GA

12191 04-08-2003 $300.00 04-17-2003 NovaStar Mortgage, Inc.

Kansas City

MO

12207 04-15-2003 $1,000.00

Macon Mortgage, Inc.

Macon

GA

12249 04-08-2003 $300.00

Gabriel Joseph Living, Jr.

Decatur

GA

12266 04-08-2003 $300.00 04-15-2003 Georgetown Mortgage, Inc.

Atlanta

GA

12282 04-08-2003 $300.00

Douglas James Alexander

Carrollton

GA

12316 04-08-2003 $300.00 04-16-2003 Consolidated Mortgage Co., Inc.

Hephzibah

GA

12341 04-08-2003 $300.00

Yancena Perry

Stone Mountain

GA

12350 04-08-2003 $300.00

Direct Lending, Inc.

Martinez

GA

12384 04-08-2003 $300.00

Care Free Home Center, Inc.

Chattanooga

GA

12423 04-08-2003 $300.00

Marilyn W. Hardy

McDonough

GA

12525 04-08-2003 $300.00

Daniel E. Greene, CPA

Charlotte

NC

12542 04-08-2003 $300.00 04-29-2003 All Mortgage, Inc.

Tallahassee

FL

12552 04-08-2003 $300.00

Emily Denise Strickland Winters

Atlanta

GA

12586 04-08-2003 $300.00

Mitchell Adam Austin

Sylvania

GA

12622 04-08-2003 $300.00

Kreative Capital Investments, Inc.

Douglasville

GA

12622 04-21-2003

$25.00

Kreative Capital Investments, Inc.

Douglasville

GA

12625 04-08-2003 $300.00 04-09-2003 New South Mortgage, Inc.

Carrollton

GA

12631 04-08-2003 $300.00

Brandon Garrett Sims

Marietta

GA

12635 04-08-2003 $300.00 05-13-2003 Quality Financial Management Services, Inc. Stone Mountain

GA

12638 04-08-2003 $300.00 04-07-2003 Town & Country Credit Corporation

Orange

CA

12662 04-08-2003 $300.00

Priscilla Anderson Rucker

Macon

GA

12684 04-08-2003 $300.00

ATM Funding, Inc.

Commerce

GA

12706 04-08-2003 $300.00

Baltic Mortgage, Inc.

Chattanooga

TN

12720 04-08-2003 $300.00

Racine Perkins

Lithonia

GA

12720 04-21-2003

$25.00

Racine Perkins

Lithonia

GA

12730 04-08-2003 $300.00 05-14-2003 Concorde Acceptance Corporation

Dallas

TX

12755 04-08-2003 $300.00

Reginald Johnson

Tucker

GA

12757 04-08-2003 $300.00 04-25-2003 Delphine M. Bartleson-Chenault

Atlanta

GA

12770 04-08-2003 $300.00 05-08-2003 Money Tree Mortgage Inc.

Woodstock

GA

12770 04-15-2003 $1,000.00 04-18-2003 Money Tree Mortgage Inc.

Woodstock

GA

12802 04-08-2003 $300.00

Your Mortgage Corporation, Inc.

Atlanta

GA

12807 04-08-2003 $300.00 04-22-2003 Sylvania Manufactured Homes, Inc.

Sylvania

GA

12905 04-08-2003 $300.00 04-15-2003 Nantucket Mortgage, Inc.

Buford

GA

12908 04-08-2003 $300.00

Equity Direct Mortgage Corp.

Laguna Hills

CA

12908 04-15-2003 $1,000.00

Equity Direct Mortgage Corp.

Laguna Hills

CA

12980 04-08-2003 $300.00 04-22-2003 Universal Financial Services, Inc.

Atlanta

GA

13077 04-08-2003 $300.00 04-23-2003 Old World Financial Services, Inc.

Adel

GA

13120 04-08-2003 $300.00 05-14-2003 Crosspoint Mortgage Corporation

Atlanta

GA

13128 04-08-2003 $300.00

Wayne Frier Home Center of Tifton, Inc.

Tifton

GA

13167 04-08-2003 $300.00 04-02-2003 EEWC, Inc.

Tucker

GA

13177 04-16-2003 $16,000.00 05-01-2003 Carteret Mortgage Corporation

Centreville

VA

13177 04-16-2003 $2,000.00 05-01-2003 Carteret Mortgage Corporation

Centreville

VA

13177 04-16-2003 $3,500.00 05-01-2003 Carteret Mortgage Corporation

Centreville

VA

13177 04-16-2003 $8,500.00 05-01-2003 Carteret Mortgage Corporation

Centreville

VA

13177 04-16-2003 $9,000.00 05-01-2003 Carteret Mortgage Corporation

Centreville

VA

13183 04-25-2003 $500.00

ACH Mortgage Company, Inc.

Valdosta

GA

13195 04-08-2003 $300.00

Roy L. Quinn

Atlanta

GA

13220 04-08-2003 $300.00

Tommy L. Ross, Sr.

Macon

GA

13232 04-15-2003 $1,000.00 05-02-2003 Fairbanks Capital Corp.

Salt Lake City

UT

FINES ASSESSED IN APRIL 2003

Page: 4

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

13247 04-08-2003 $300.00

Verna Alfreda Drake

Atlanta

GA

13252 04-08-2003 $300.00 04-18-2003 Enfinger Enterprises, Inc.

Columbus

GA

13289 04-08-2003 $300.00

Compass Financial Group, LLC

Dunwoody

GA

13326 04-08-2003 $300.00

American Mortgage Investors, Corporation Smyrna

GA

13351 04-15-2003 $1,000.00 04-29-2003 Tribeca Lending Corp.

New York

NY

13357 04-08-2003 $300.00

Mortgage Team of Georgia, Inc. (The)

Jeffersonville

GA

13365 04-08-2003 $300.00

Patricia June Miolen

Calhoun

GA

13381 04-08-2003 $300.00

Vanessa R. Jackson

Lithonia

GA

13394 04-15-2003 $1,000.00 05-09-2003 Wilshire Funding Corporation

Beaverton

OR

13397 04-08-2003 $300.00 04-22-2003 Regional Financial Mortgage Brokers, Inc. Conyers

GA

13398 04-15-2003 $1,000.00 05-05-2003 PSB Lending Corp.

Plano

TX

13410 04-08-2003 $300.00

Community Home Mortgage Corporation

Melville

NY

13410 04-15-2003 $1,000.00

Community Home Mortgage Corporation

Melville

NY

13412 04-08-2003 $300.00

Kenneth Sherrard

Lithonia

GA

13412 04-30-2003

$25.00

Kenneth Sherrard

Lithonia

GA

13413 04-08-2003 $300.00

Valette Marie Johnson

Morrow

GA

13427 04-08-2003 $300.00

A-One Home Loans, Inc.

Augusta

GA

13450 04-08-2003 $300.00

Phillip B. Nason

Stockbridge

GA

13483 04-08-2003 $300.00

Arteria D. Stevens

Lithonia

GA

13504 04-08-2003 $300.00

Marvin Cummings

Lithonia

GA

13513 04-08-2003 $300.00 05-09-2003 Family Tree Mortgage Corp.

Columbus

GA

13513 04-14-2003

$25.00 05-09-2003 Family Tree Mortgage Corp.

Columbus

GA

13522 04-25-2003 $2,000.00

Fidelity Financial Mortgage Corporation

Norcross

GA

13532 04-15-2003 $1,000.00

USA Financial Services, Inc.

Chantilly

VA

13553 04-08-2003 $300.00 04-11-2003 Countryside Home Loans, Inc.

Marietta

GA

13559 04-08-2003 $300.00

Thomas Joseph McGrane

Snellville

GA

13569 04-15-2003 $1,000.00

Geneva Mortgage corp.

Rockville Centre NY

13571 04-08-2003 $300.00 04-09-2003 Reliable Mortgage Funding Corporation

Atlanta

GA

13582 04-08-2003 $300.00

Marlin Construction, Inc.

Talking Rock

GA

13590 04-08-2003 $300.00

Progressive Home Mortgage

COLLEGE PARK GA

13595 04-15-2003 $1,000.00 05-02-2003 U.S. Mortgage Corp.

Pine Brook

NJ

13626 04-08-2003 $300.00

Elizabeth G. Johnson

Statesboro

GA

13629 04-15-2003 $1,000.00 05-06-2003 Genisys Financial Corp.

San Diego

CA

13645 04-15-2003 $1,000.00

Mortgage Amenities Corp.

Lincoln

RI

13687 04-08-2003 $300.00

Potts Financial Services, Inc.

Tallahassee

FL

13693 04-08-2003 $300.00

L. Jonathan Kirkpatrick

Atlanta

GA

13695 04-08-2003 $300.00 04-28-2003 Southern Highlands Mortgage, LLC

Blairsville

GA

13697 04-15-2003 $1,000.00 05-15-2003 Money Source, Inc.

Atlanta

GA

13710 04-08-2003 $300.00

Benard Walsh

Lawrenceville

GA

13726 04-08-2003 $300.00

Edith Blackburn

Griffin

GA

13743 04-08-2003 $300.00

Richard Andrew Olds

Lithonia

GA

13769 04-08-2003 $300.00 04-14-2003 Lillie P. Jordan

Macon

GA

13786 04-08-2003 $300.00

Oscar T. Ragin

Marietta

GA

13795 04-08-2003 $300.00

Golden First Mortgage Corp.

Melville

NY

13810 04-08-2003 $300.00

Money Mortgage, Inc.

Lawrenceville

GA

13810 04-15-2003 $1,000.00

Money Mortgage, Inc.

Lawrenceville

GA

13811 04-08-2003 $300.00

American Homeowners Union, Inc.

Duluth

GA

13813 04-08-2003 $300.00

Steven Claude Maddox

Stockbridge

GA

13815 04-08-2003 $300.00

Mystikal Mortgage Group, Inc.

Lawrenceville

GA

13817 04-15-2003 $1,000.00

United California Systems International, Inc. Atlanta

GA

13826 04-08-2003 $300.00

SWJ Enterprises Inc.

Covington

GA

13872 04-15-2003 $1,000.00

American Mortgage Express Financial

San Diego

CA

13879 04-08-2003 $300.00

Marie Richardson Hall

Lithonia

GA

FINES ASSESSED IN APRIL 2003

LIC# ISSUE DATE

13883 13898 13898 13929 13937 13938 13969 14006 14015 14025 14083 14104 14106 14118 14130 14145 14187 14218 14247 14276 14277 14292 14316 14321 14324 14368 14459 14461 14464 14484 14489 14513 14516 14516 14516 14517 14517 14517 14522 14534 14571 14573 14650 14697 14697 14709 14709 14734 14747 14747 14770 14770 14779

04-08-2003 04-08-2003 04-21-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-30-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-03-2003 04-08-2003 04-15-2003 04-08-2003 04-21-2003 04-21-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003

FINE PAID DATE COMPANY NAME

$300.00 $300.00
$25.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $500.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $500.00 $300.00 $1,000.00 $300.00
$25.00 $25.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $1,000.00 $300.00 $300.00 $1,000.00 $300.00 $1,000.00 $300.00

04-14-2003
05-09-2003 04-10-2003 05-09-2003 04-22-2003 04-01-2003 04-18-2003
04-11-2003 04-14-2003 04-15-2003 04-11-2003 04-07-2003 04-04-2003
05-09-2003 04-04-2003 04-09-2003 04-21-2003 05-12-2003

Nationwide Lending Corporation International Mortgage Network, Inc. International Mortgage Network, Inc. Simplifi Mortgage, Inc. Kenneth Douglas Dunagan Annie L. Bishop American Benefit Mortgage, Inc. Diem Mortgage Corporation Central Mortgage & Investments, LLC Ronnie L. Barrett Georgia Home Mortgage Network, Inc. City Finance of Columbus, Inc. Howe Group, Inc. (The) Emerald Residential Mortgage, Inc. Joseph E. Marchiney James E. Faire Preferred Lending Group, Inc. Marcus Lamont Wilkins James Bryson Thomas H. Johnson MEW Enterprises, Inc. Thescott, Inc. Atlantic Housing Group, Inc. Piedmont Funding Group, LLC Gelin & Associates, Inc. Russell Max Samples James R. Rose Enterprises, Inc. Ponder & Associates Mortgage, Inc. Harrison Anderson, Jr. First Trust Bank for Savings Alliance of Savings Klub, Inc. Discover Mortgage Company Americorp Credit Corporation Americorp Credit Corporation Americorp Credit Corporation Remodel Atlanta, Inc. Remodel Atlanta, Inc. Remodel Atlanta, Inc. Cheryl Louise Crawford Teresa N. Atkins Competitive Mortgage Services, Inc. Wall Street Mortgage Corporation American Home Mortgage Corp. Stohr Capital Group, Inc. Stohr Capital Group, Inc. Productive Mortgage Corporation Productive Mortgage Corporation Hattie Mae Mays BJD Mortgage Company, Inc. BJD Mortgage Company, Inc. Business Mortgage, Inc. Business Mortgage, Inc. Evergreen Mortgage Corporation

Page: 5

CITY

ST

Irvine

CA

Alpharetta

GA

Alpharetta

GA

Stone Mountain

GA

Duluth

GA

Macon

GA

Aliso Viejo

CA

Chamblee

GA

Atlanta

GA

Lithonia

GA

Atlanta

GA

Columbus

GA

Dacula

GA

Cumming

GA

Stockbridge

GA

Atlanta

GA

Loganville

GA

Stone Mountain

GA

Macon

GA

Atlanta

GA

Mableton

GA

Atlanta

GA

Suwanee

GA

Atlanta

GA

Marietta

GA

Duluth

GA

Columbus

GA

East Ridge

TN

Snellville

GA

Memphis

TN

San Francisco

CA

Tucker

GA

Temecula

CA

Temecula

CA

Temecula

CA

Marietta

GA

Marietta

GA

Marietta

GA

Lithonia

GA

Carrollton

GA

Duluth

GA

Marietta

GA

Melville

NY

Bellevue

WA

Bellevue

WA

College Park

GA

College Park

GA

Macon

GA

Jacksonville

FL

Jacksonville

FL

Clearwater

FL

Clearwater

FL

Decatur

GA

FINES ASSESSED IN APRIL 2003

Page: 6

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

14817 04-15-2003 $1,000.00

Nationwide Funding Group, Ltd.

Escondido

CA

14823 04-08-2003 $300.00 05-09-2003 Reserve Funding Mortgage Corporation

Tucker

GA

14840 04-15-2003 $1,000.00 05-02-2003 Apex Lending, Inc.

St. Petersburg

FL

14847 04-08-2003 $300.00

Tri Dimensional Services, Inc.

Decatur

GA

14851 04-08-2003 $300.00

John R. Bryant

Lawrenceville

GA

14875 04-08-2003 $300.00

Crossfire Financial Network (The)

Miami

FL

14885 04-08-2003 $300.00

Accessible Home Equity Loans, Inc.

Chattanooga

TN

14887 04-15-2003 $1,000.00 04-25-2003 Primary Capital Advisors, LC

Atlanta

GA

14895 04-08-2003 $300.00

Keyes-Penn Mortgage Company

Lawrenceville

GA

14915 04-08-2003 $300.00

Charles Dean Sutton

Calhoun

GA

14916 04-08-2003 $300.00

Alvin Lewis, Jr.

Macon

GA

14946 04-08-2003 $300.00

Kevin Arthur Phillips

Conyers

GA

14952 04-08-2003 $300.00

Gwendolyn F. Carter

Lithonia

GA

14960 04-08-2003 $300.00 04-25-2003 HomePride Finance Corp.

Overland Park

KS

14960 04-15-2003 $1,000.00 04-25-2003 HomePride Finance Corp.

Overland Park

KS

14979 04-08-2003 $300.00

Franklin First Financial Ltd

West Hempstead NY

14983 04-08-2003 $300.00

Sheldon M. Brown

Decatur

GA

14985 04-08-2003 $300.00 04-07-2003 American Mortgage & Financial Consultants, IncM. auldin

SC

15005 04-08-2003 $300.00 04-23-2003 Patsy C. Skipper

Douglas

GA

15048 04-08-2003 $300.00

Leo Tucker

Atlanta

GA

15049 04-08-2003 $300.00

IGWT Mortgage Co.

Roswell

GA

15053 04-15-2003 $1,000.00

Mega Capital Funding, Inc.

Northridge

CA

15054 04-15-2003 $1,000.00 05-13-2003 Home Finance America, Inc.

Plymouth Meeting PA

15057 04-15-2003 $1,000.00

Loancity.com

San Jose

CA

15057 04-25-2003 $300.00

Loancity.com

San Jose

CA

15065 04-08-2003 $300.00

Southern Mortgage & Realty, LLC

Madison

GA

15079 04-08-2003 $300.00

NFI, Inc.

Woodstock

GA

15081 04-15-2003 $1,000.00 04-28-2003 MortgageIT, Inc.

New York

NY

15098 04-08-2003 $300.00 04-29-2003 Wall Street Brokers, Inc.

Fayetteville

GA

15107 04-08-2003 $300.00

Ty L. Alvarez

Alpharetta

GA

15108 04-08-2003 $300.00

Mark N. Sobel-Sorrell

Alpharetta

GA

15109 04-08-2003 $300.00 04-15-2003 Just Seconds, Inc.

Irvine

CA

15110 04-08-2003 $300.00

Liberty Mortgage Corporation

Birmingham

AL

15111 04-08-2003 $300.00

Danny Howell

Jonesboro

GA

15128 04-15-2003 $1,000.00 04-28-2003 Centre Capital Group, Inc.

Walnut Creek

CA

15144 04-08-2003 $300.00 05-12-2003 Myarb Realty Corp.

Ozone Park

NY

15153 04-08-2003 $300.00

River Mortgage Company

Chattanooga

TN

15169 04-08-2003 $300.00

Harbour Point Funding, Inc.

Atlanta

GA

15189 04-08-2003 $300.00

Johnnie Prater, Sr.

Macon

GA

15197 04-08-2003 $300.00

Paul M. Aasen

Smyrna

GA

15200 04-08-2003 $300.00

Infinity Mortgage Company, Inc.

Norfolk

MA

15200 04-15-2003 $1,000.00

Infinity Mortgage Company, Inc.

Norfolk

MA

15207 04-15-2003 $1,000.00 05-06-2003 Birmingham Bancorp Mortgage Corporation West Bloomfield MI

15222 04-08-2003 $300.00

Bryan Musa

Smyrna

GA

15228 04-08-2003 $300.00

Barbara Jean Johnson

Atlanta

GA

15230 04-08-2003 $300.00

Keith A. Jones

Stockbridge

GA

15247 04-08-2003 $300.00

Mortgage Lending Advisors, Inc.

Jacksonville

FL

15262 04-08-2003 $300.00 04-04-2003 Morgan Toms Mortgage Consultants, Inc

Kennesaw

GA

15271 04-08-2003 $300.00 05-15-2003 Action Enterprises, Inc.

Douglasville

GA

15283 04-15-2003 $1,000.00 05-12-2003 State Mutual Insurance Company

Rome

GA

15304 04-08-2003 $300.00

Patricia M. Harris

Lithonia

GA

15305 04-08-2003 $300.00

Belinda B. Reaves

Lithonia

GA

15307 04-08-2003 $300.00 04-23-2003 BMTLoans.com, Inc.

Sunrise

FL

FINES ASSESSED IN APRIL 2003

LIC# ISSUE DATE

15307 15334 15345 15345 15349 15369 15378 15393 15435 15469 15479 15503 15529 15546 15557 15577 15579 15581 15584 15586 15587 15600 15600 15616 15641 15643 15652 15661 15683 15685 15694 15698 15698 15701 15702 15704 15722 15761 15766 15770 15780 15785 15787 15788 15789 15807 15808 15824 15840 15843 15849 15853 15868

04-15-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-28-2003 04-28-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003

FINE PAID DATE COMPANY NAME

$1,000.00 $1,000.00
$300.00 $1,000.00
$300.00 $1,000.00
$300.00 $1,000.00
$300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $250.00 $250.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00

05-05-2003 04-17-2003
04-14-2003
04-16-2003 05-06-2003 04-08-2003 04-07-2003 04-14-2003 04-17-2003 05-07-2003 04-28-2003
04-18-2003 04-23-2003 05-06-2003

BMTLoans.com, Inc. First American Equity Corp. Sovereign Financial Corporation Sovereign Financial Corporation NovaStar Home Mortgage, Inc. Investors of America, Inc. Martha W. Gilley Yates Insurance & Real Estate, Inc. Leslie C. Anderson Leonard Franklin, Jr. Erez J. Chanin Patricia Erin Hall Bill King's Mobile America, Inc. Arthur A. George Mortgage Resource Services, Inc. Robert B. Moody, III Beverly A. Lucas Bond Street Mortgage, LLC Affordable Mobile Homes, LLP Charles F. Johnson Cathy D. Blackburn America's Mortgage Broker, LLC America's Mortgage Broker, LLC DBSA Holdings, Inc. Universal Home Mortgage, Inc. Capital One Lending, Inc. People's Choice Home Loan, Inc. TCD Mortgage Corporation Alliance Capital Corp. Amenity Mortgage, Inc. Donald Johnson, Sr. Park West Mortgage, Inc. Park West Mortgage, Inc. Annie Lester Douglas Irons Irma Head Blake Susan Ellison Aabsolute Mortgage Professionals, Inc. Jon A. Scaman Demond Anton Kennedy Hubert Edmond Wilson Joe C. West Annette Wilkinson James David Russo Equity Financial Mortgage, Inc. Dorothy L. Epps Lane Thomas Sanders Robert Scott Smith Lavina Louise Shields Terry Stephen Lawson Sylvester Jones Northpoint Home Loans, Inc. Tidewater Mortgage Services, Inc.

Page: 7

CITY

ST

Sunrise

FL

Dalton

GA

Alpharetta

GA

Alpharetta

GA

Kanas City

MO

Oakland Park

FL

Stockbridge

GA

Dublin

GA

Stone Mountain

GA

Stone Mountain

GA

Alpharetta

GA

Lawrenceville

GA

Thomasville

GA

Macon

GA

Fayetteville

GA

Warner Robins

GA

Lithonia

GA

Tucker

GA

Toccoa

GA

Atlanta

GA

Lithonia

GA

Tampa

FL

Tampa

FL

San Diego

CA

Stone Mountain

GA

Roswell

GA

Irvine

CA

Worth

IL

Levittown

NY

Acworth

GA

Statesboro

GA

Atlanta

GA

Atlanta

GA

Bonaire

GA

Marietta

GA

Snellville

GA

Carrollton

GA

Tallahassee

FL

Atlanta

GA

Lithonia

GA

Lithonia

GA

Morrow

GA

Atlanta

GA

Duluth

GA

Tucker

GA

Carrollton

GA

Carrollton

GA

Carrollton

GA

Columbus

GA

Stone Mountain

GA

Columbus

GA

Atlanta

GA

St. Simons Island GA

FINES ASSESSED IN APRIL 2003

Page: 8

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

15881 04-08-2003 $300.00

John David Ennis

Lawrenceville

GA

15883 04-08-2003 $300.00

Fred T. Hanzelik

Chattanooga

TN

15888 04-08-2003 $300.00

Donna Marie Conyers

Union City

GA

15932 04-08-2003 $300.00

Lawanda F. McCollum

Statesboro

GA

15979 04-08-2003 $300.00

Teresa Karen Bright

Stone Mountain

GA

15981 04-08-2003 $300.00

Jane Massey

Bowdon

GA

15984 04-08-2003 $300.00

Judy Rose Tye

Warner Robins

GA

15985 04-08-2003 $300.00

Cullen J. Reid

Smyrna

GA

16001 04-08-2003 $300.00

Glenn Arnold Craven

Stockbridge

GA

16007 04-08-2003 $300.00

Diversified Financial Group, LLC

Cumming

GA

16008 04-08-2003 $300.00

Victor Group, Inc, (The)

Alpharetta

GA

16020 04-08-2003 $300.00 04-22-2003 Cardinal Financial Company, Limited PartnershiTprevose

PA

16026 04-08-2003 $300.00

Stephanie L. Wells

College Park

GA

16035 04-08-2003 $300.00 05-06-2003 1st Republic Mortgage, Inc. (New York)

Floral Park

NY

16035 04-15-2003 $1,000.00 04-22-2003 1st Republic Mortgage, Inc. (New York)

Floral Park

NY

16043 04-08-2003 $300.00

Standefer-Leonard Financial, LLC

Chattanooga

TN

16047 04-08-2003 $300.00

H&H Mortgage, LLC

Doraville

GA

16064 04-15-2003 $1,000.00

B.E.M.C. Mortgage Corp.

Westmont

IL

16068 04-08-2003 $300.00 04-04-2003 Mohansingh Gurmukhsingh Udhwani

Martinez

GA

16072 04-08-2003 $300.00 04-18-2003 Dream House Funding, Inc.

College Park

GA

16092 04-08-2003 $300.00 04-17-2003 Premier Mortgage Funding, Inc.

Norcross

GA

16095 04-08-2003 $300.00

Available Mortgage Funding, LLC

Dallas

TX

16095 04-15-2003 $1,000.00

Available Mortgage Funding, LLC

Dallas

TX

16101 04-08-2003 $300.00

Cloverleaf Housing, Inc.

Cartersville

GA

16115 04-08-2003 $300.00

Heritage Mortgage Corp.

Bainbridge

GA

16131 04-08-2003 $300.00 04-02-2003 Interland Associates, Inc.

Savannah

GA

16138 04-08-2003 $300.00

Aable Mortgage Services, Inc.

Brandon

FL

16162 04-08-2003 $300.00

Capital Home Loan, Inc.

Norcross

GA

16180 04-08-2003 $300.00

First Consumers Mortgage & Financial Corp. Riverdale

GA

16182 04-08-2003 $300.00 04-02-2003 Popular Financial Services, LLC

Marlton

NJ

16191 04-08-2003 $300.00 04-18-2003 First Magnus Financial Corporation

Tucson

AZ

16198 04-08-2003 $300.00

Mortgage Makers

Marietta

GA

16201 04-08-2003 $300.00

Security Mortgage Funding, Inc.

Canton

GA

16201 04-15-2003 $1,000.00

Security Mortgage Funding, Inc.

Canton

GA

16213 04-08-2003 $300.00

True Lending, Inc.

Marietta

GA

16244 04-08-2003 $300.00

Nation's Standard Mortgage Corp.

Tarrytown

NY

16246 04-08-2003 $300.00 04-16-2003 Southern Housing Center, Inc.

Byron

GA

16247 04-08-2003 $300.00 04-17-2003 Greenfield Mortgage Inc.

Morristown

NJ

16247 04-15-2003 $1,000.00 05-06-2003 Greenfield Mortgage Inc.

Morristown

NJ

16258 04-15-2003 $1,000.00 04-25-2003 Home Mortgage, Inc

Burr Ridge

IL

16286 04-08-2003 $300.00

Anointed Services, Inc.

Covington

GA

16312 04-08-2003 $300.00 04-30-2003 Georgia Mortgage Group, Inc.

Dunwoody

GA

16361 04-08-2003 $300.00 05-05-2003 Hogarty Funding Group, Inc.

Pleasanton

CA

16361 04-15-2003 $1,000.00 05-06-2003 Hogarty Funding Group, Inc.

Pleasanton

CA

16364 04-08-2003 $300.00 04-14-2003 1stPalm Financial Services, LLC

Jacksonville

FL

16400 04-08-2003 $300.00 04-15-2003 Sunrise Financial, Inc.

Chicago

IL

16419 04-08-2003 $300.00

Michael Curtis Nuckolls

Calhoun

GA

16420 04-08-2003 $300.00

Gregory Pressley

Atlanta

GA

16434 04-08-2003 $300.00

25 Hours A Day, Inc

Omaha

NE

16515 04-15-2003 $1,000.00 05-06-2003 Infinity Financial Network

Bellevue

WA

16516 04-08-2003 $300.00 04-21-2003 Consumer Disclosure, Inc

Fishers

IN

16516 04-15-2003 $1,000.00

Consumer Disclosure, Inc

Fishers

IN

16520 04-08-2003 $300.00 04-25-2003 Superior Lending, LLC

Roswell

GA

FINES ASSESSED IN APRIL 2003

Page: 9

LIC# ISSUE DATE

16528 16530 16531 16552 16562 16565 16586 16590 16592 16624 16627 16627 16630 16630 16648 16655 16680 16703 16707 16712 16733 16757 16768 16801 16802 16803 16810 16817 16825 16827 16829 16830 16854 16860 16867 16872 16873 16890 16894 16896 16916 16929 16930 16930 16930 16930 16933 16959 16985 16989 16998 17014 17020

04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-17-2003 04-17-2003 04-17-2003 04-17-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003

FINE PAID DATE COMPANY NAME

CITY

ST

$300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $1,000.00 $1,000.00 $300.00 $1,000.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $1,000.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $2,000.00 $500.00 $750.00 $750.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00

05-13-2003 04-17-2003 05-09-2003 04-18-2003 05-06-2003 05-12-2003 05-09-2003 04-23-2003 05-09-2003
04-21-2003
05-12-2003
05-12-2003 04-15-2003

William Curtis Stanley

Calhoun

GA

Faye Wildes-Todd

College Park

GA

Dorothy E. Smart

Lithonia

GA

ARK-LA-TEX Financial Services, LLC

Atlanta

GA

Greater Potomac Mortgage Company

Virginia Beach

VA

Tracey Lavelle Whaley, Sr.

Atlanta

GA

Coastal Lending Corporation

Suwanee

GA

Donald Ray Davis

Stone Mountain

GA

American Summit Lending Corporation

Golden Valley

MN

Crossroads Mortgage, Inc.

Memphis

TN

Liberty Funding Services, Inc.

Parsippany

NJ

Liberty Funding Services, Inc.

Parsippany

NJ

Homesouth Mortgage Services, Inc.

Birmingham

AL

Homesouth Mortgage Services, Inc.

Birmingham

AL

Cando Funds, Inc.

Stone Mountain

GA

Sandra Chestnut Carter

Warner Robins

GA

HomeSense Financial, Inc

Douglas

GA

First Rate Mortgage Group, Inc.

Hollywood

FL

Alegis Group Loan Servicing, LLC

Greenville

SC

Derek Staden

Snellville

GA

Partner Financing Solutions, Inc.

Atlanta

GA

Barvia Lee Harris

Atlanta

GA

Addie Sullivan

Hazlehurst

GA

Gordon Todd Phillips

Stockbridge

GA

Brian Vincent Lane

McDonough

GA

Evan Albert Welting

Lawrenceville

GA

Danielle Lula Robinson

Lawrenceville

GA

Greenpoint Investment Funding, LLC

Alpharetta

GA

Mortgage Zone, Inc. (The)

Warrensville Heights OH

Se'Ra Jordan

Elko

GA

Savannah Mortgage Company, Inc. (The)

Savannah

GA

JohnAlan Group, Mortgage Associates, LLC (ThCe)harlotte

NC

Tiffany M. Christian

Lithonia

GA

David Isom Coile

McDonough

GA

Danielle M. M. Smith

Lithonia

GA

Pamela K. Lucas

Lithonia

GA

Larry Chris Hutchinson

Chattanooga

TN

Loan Correspondents, Inc.

Costa Mesa

CA

Impact Lending, Inc.

NEW PORT RICHEY FL

LoanCents Financial Services, Inc.

North Charleston SC

MasterLink US & International, LLC

Lithonia

GA

Patricia Wilson

Decatur

GA

R37G, LLC

Thomson

GA

R37G, LLC

Thomson

GA

R37G, LLC

Thomson

GA

R37G, LLC

Thomson

GA

VM Mortgage, Inc.

Ellenwood

GA

Peggy Rowe Hosey

Carroll

GA

TCIF, LLC

Armonk

NY

Tall Oaks Home Calhoun, LLC

Calhoun

GA

Jason Royce Chandler

Carrollton

GA

Total Mortgage Services, LLC

Milford

CT

MMBI, Inc.

Silver Spring

MD

FINES ASSESSED IN APRIL 2003

Page: 10

LIC# ISSUE DATE FINE PAID DATE COMPANY NAME

CITY

ST

17022 04-08-2003 $300.00

Angela Nile Yu

McDonough

GA

17027 04-08-2003 $300.00

John Chung Sheng Yu

McDonough

GA

17035 04-15-2003 $1,000.00 05-09-2003 Endeavor Capital, LLC

Atlanta

GA

17039 04-15-2003 $1,000.00 04-28-2003 Jupiter Mortgage Corporation

Jupiter

FL

17059 04-08-2003 $300.00

Jacquelyn Woodhouse

Lithonia

GA

17069 04-08-2003 $300.00

Leonard Willis

Macon

GA

17079 04-08-2003 $300.00 04-04-2003 Fidelity Home Mortgage Corporation

Baltimore

MD

17089 04-08-2003 $300.00

Command Mortgage, LLC

Bainbridge

GA

17097 04-08-2003 $300.00

Victor James Tuszynski

Warner Robins

GA

17100 04-08-2003 $300.00

Blayne Algee

Stone Mountain

GA

17116 04-08-2003 $300.00 05-16-2003 Affiliate Lending Corporation

Atlanta

GA

17129 04-08-2003 $300.00

Prospect Financial Services, LLC

Hartford

CT

17154 04-08-2003 $300.00

Donald G. Landry

Gainesville

GA

17169 04-08-2003 $300.00

Leon A. Hurley

Tifton

GA

17184 04-08-2003 $300.00

John R. Peterson

Smyrna

GA

17188 04-08-2003 $300.00 04-07-2003 One Source Mortgage, LLC

Dallas

TX

17208 04-08-2003 $300.00 05-05-2003 Bulanda A. Presley

Atlanta

GA

17226 04-08-2003 $300.00

Emmanuel Mortgage and Financial Services, IncM. oultrie

GA

17228 04-08-2003 $300.00

Woodstock General Contractors, Inc.

Woodstock

GA

17244 04-08-2003 $300.00 04-29-2003 Reliant Mortgage Company, LLC

Wakefield

MA

17244 04-15-2003 $1,000.00

Reliant Mortgage Company, LLC

Wakefield

MA

17267 04-08-2003 $300.00

Jefferson Capital Lending, LLC

Atlanta

GA

17272 04-08-2003 $300.00 04-11-2003 Omni Mortgage, Inc

Norcross

GA

17281 04-08-2003 $300.00

Kathleen E. Bergevin

Duluth

GA

17301 04-08-2003 $300.00 04-07-2003 United Capital Mortgage Corporation

aurora

CO

17302 04-08-2003 $300.00 04-07-2003 Home Loan Center, Inc. (California)

Irvine

CA

17303 04-08-2003 $300.00

Karl J. Crawford

Calhoun

GA

17311 04-08-2003 $300.00

Jason D. Gann

Calhoun

GA

17312 04-08-2003 $300.00 04-24-2003 Carl M. Fenner

Snellville

GA

17324 04-08-2003 $300.00

Benton Adam Wood

Duluth

GA

17331 04-08-2003 $300.00

Tony M. Steele

Atlanta

GA

17336 04-08-2003 $300.00

Ayana Jawaun Thomas

Tucker

GA

17337 04-08-2003 $300.00 04-28-2003 Homeland Capital Group, LLC

Columbia

MD

17347 04-08-2003 $300.00

Ho Mortgage Corporation

Alpharetta

GA

17350 04-08-2003 $300.00 04-11-2003 Star Mark Mortgage and Investments

Athens

GA

17363 04-08-2003 $300.00

Jonas M. Courey

Calhoun

GA

17364 04-08-2003 $300.00

Vera Jane Andrews

Atlanta

GA

17384 04-08-2003 $300.00

PrimeStar Mortgage Company, Inc.

Stockbridge

GA

17391 04-08-2003 $300.00

Judith Olshefski Finger

Atlanta

GA

17392 04-08-2003 $300.00

AAA Financial Associates, Inc.

Dallas

TX

17399 04-08-2003 $300.00

George Casey, Sr.

Lithonia

GA

17401 04-08-2003 $300.00

Dennie Rae Thomas

Calhoun

GA

17404 04-08-2003 $300.00

B & B Mortgage, Inc.

Roswell

GA

17417 04-08-2003 $300.00

Alvydas Sapranauskas

Atlanta

GA

17429 04-08-2003 $300.00

RCI Mortgage, Inc.

Stone Mountain

GA

17431 04-08-2003 $300.00

Rowe Group Corporation (The)

Lithonia

GA

17436 04-08-2003 $300.00

Andrea Camille Neuhart

Kennesaw

GA

17437 04-08-2003 $300.00 05-12-2003 Your Approved Funding Corporation

New City

NY

17438 04-08-2003 $300.00

Jimmy A. Driggans

Calhoun

GA

17448 04-08-2003 $300.00

Cabdiladiff M. Cabdi

Alpharetta

GA

17468 04-08-2003 $300.00

Mortgage 9-1-1, Inc.

Jacksonville

FL

17470 04-08-2003 $300.00 05-05-2003 Financial Solutions of Chattanooga, LLC

Chattanooga

TN

17511 04-08-2003 $300.00

The Mortgage Academy, LLC

Detroit

MI

FINES ASSESSED IN APRIL 2003

LIC# ISSUE DATE

17524 17539 17552 17576 17691 17701 17719 17729 17783 17788 17792 17861 17892 17900 17904 17922 17941 17969 17999 18044 18054 18060 18067 18084 18160

04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-15-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003 04-08-2003

FINE PAID DATE COMPANY NAME

$300.00 $300.00 $1,000.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $1,000.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00 $300.00

04-14-2003
05-09-2003 05-14-2003 04-23-2003
04-28-2003
04-18-2003 05-09-2003
04-16-2003 04-24-2003 04-29-2003 04-11-2003

Smart Guy Mortgage, Inc. George Emami, Inc. Sterling Equity, LLC Tim Barron Betsy A. Hinson Down's Financial, Inc. Vista Lending, Inc. Peach State Residential Mortgage, Inc. Janet L. Harris Robert L. Paschall MoneyTree Lending Bradbury Financial Services, Inc. HSMC Acquisition Corp. Carlos J. Torres Easy Mortgage Brokers, LLC ColComm, Inc. SLM Financial Corporation Sapienza Mortgage, Inc. Total Mortgage Processing, Inc. GHS Homes, Inc. Virginia R. Smith First American Mortgage Group, Inc. Buckingham Mortgage Corporation Capital Services Group, Inc. Janice W. Barefoot

Number of Fines:

554

Page: 11

CITY

ST

Decatur

GA

Watkinsville

GA

Overland Park

KS

McDonough

GA

Augusta

GA

Denver

CO

Atlanta

GA

Lilburn

GA

Calhoun

GA

Atlanta

GA

Modesto

CA

Macon

GA

Spartanburg

SC

Smyrna

GA

Columbus

GA

Norcross

GA

Atlanta

GA

Atlanta

GA

Marietta

GA

Millen

GA

Cartersville

GA

Midland

GA

Rockville

MD

Roswell

GA

Macon

GA

FINE REASONS
1099 Employees 6.50 fees not paid 2 Acq. of 25% ownership without approval 88 Audit filed late 10 Books & records 10 Check returned for insufficient funds 2 Doing business with unlicensed entity Employee under C&D or revocation 2 Employment of a felon

Late filing Written Annual Report 5 Loan files not properly maintained
Prohibited Acts Relocation of office without notice 429 Renewal filed late 2 Unapproved branch 3 Unapproved branch manager Violation of Cease & Desist Order 1 Miscellaneous other