Monthly summary of mortgage activities, Apr. 2004

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 2004
SUMMARY OF ACTIVITIES - MORTGAGE DIVISION
WEBSITE: www.state.ga.us/dbf
----------------------------------------------------------------------------------------------------------------------------------------
2004 HOUSEKEEPING BILL - MORTGAGE PROVISIONS
The Department's housekeeping bill was passed by the General Assembly on April 22, 2004. 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, 2004, pending signature of the Governor. A copy of the complete provisions of the bill pertaining to the mortgage industry can be found in the last section on the following web page: www.state.ga.us/dbf/mortgage_forms.html
Financial Requirements Brokers/Processors
Section 7-1-1003.2 (a), relating to financial requirements for licensing and registration, was amended as follows:
"(a) Each licensed mortgage broker must provide the department with a bond. The bond for a mortgage broker shall be in the principal sum of $50,000.00 or such greater sum as the department may require and the bond shall meet the other requirements of subparagraph (c)(2)(B) of this Code section. In lieu of a bond, a mortgage broker may: provide the department with evidence from the United States Department of Housing and Urban Development that the broker is a loan correspondent under Title I, Title II, or Title I and Title II for each year the broker is licensed by the department. The bond and the United States Department of Housing and Urban Development requirements are continuous in nature. (1) Provide the department with an audited financial statement that discloses that the broker has a bona fide and verifiable tangible net worth of $100,000.00; or (2) Provide the department with evidence from the United States Department of Housing and Urban Development that the broker is a loan correspondent under Title I, Title II, or Title I and Title II for each year the broker is licensed by the department. Such requirement shall be continuous in nature."
The change has the following impact on licensing. It eliminates the previous provision allowing brokers/processors to provide a certified audited financial statement reflecting a net worth of $100,000 or greater to meet the financial requirements for licensing. After July 1, 2004, a broker/processor applicant/licensee must have either a $50,000 bond or must meet the HUD requirements for approved correspondent broker/lender status. Generally this requires that the broker/processor meet net worth requirements established by HUD. Applicants and licensees must provide evidence of their HUD approval status and provide a certified financial audit. The Department will also verify approval status with HUD.

So please note that, beginning July 1, 2004, brokers and processors may no longer provide the Department with a certified audit demonstrating net worth of $100,000 or more to qualify for licensing or license renewal if the broker is not also HUD approved. The only method by which net worth will allow a broker or processor to qualify for a license is if the broker/processor is HUD approved and meets or exceeds HUD's net worth requirements. Otherwise, a surety bond in the amount of $50,000 must be provided.
Note that this change does not affect the RENEWALS that are in process for the FY2005 annual licenses. New applications taken after July 1, 2004 and renewals beginning with the FY2006 renewal period (7/1//2005 to 6/30/2006) will be covered by the new requirements.
Registration Requirements
Section 7-1-1003.3, relating to applications for registration, was amended as follows:
"(a) An application to register as a mortgage lender or broker under this article shall be made annually in writing, under oath, on a form provided by the department, subject to requirements specified by rules and regulations of the department and shall be renewed each year by April 1. (b) The application shall include all of the items requested of applicants for licenses in Code Section 7-1-1003."
This provision allows the Department, by regulation, to specify the exact requirements for information to be provided in an application for registration. Because applicants who qualify for registration have already provided significant information to other regulators, this code section was changed to eliminate the duplication of supplied information to which the Department already has access.
Investigation of Applicants.....Other Requirements
Section 7-1-1004, relating to the investigation of applicants for mortgage lender or mortgage broker licenses, was amended as follows:
"(i) The department may not issue a license to and may revoke a license from an applicant or licensee if such
person employs any other person against whom a final cease and desist order has been issued within the preceding three years, if such order was based on a violation of Code Section 7-1-1013 or based on the conducting of a mortgage business without a required license, or whose license has been revoked within three years of the date such person was hired. Each applicant and licensee shall, before hiring an employee, examine the department's public records to determine that such employee is not subject to the type of cease and desist order described in this subsection."
The purpose of this added requirement is to ensure that, before hiring a new employee, applicants and licensees review the department's public records to make certain they do not hire individuals who are barred from working in the industry. Such public records are available on the Department's website http://www.ganet.org/dbf/mortgage.ht ml. A listing of outstanding Cease & Desist Orders, as well as revocations, withdrawals and other administrative actions is available from links from this page. (See image at left).

Annual Financial Statements
Code Section 7-1-1010, relating to annual financial statements of mortgage brokers and lenders, and was amended as follows:
"(a) Each mortgage broker licensed or registered under this article shall submit to the department initially an unaudited financial statement certified to be true and correct by the mortgage broker; provided, however, that if the mortgage broker is using its net worth and not a surety bond or letter of credit to meet the requirements for licensure in Code Section 7-1-1003.2, the mortgage broker shall submit to the department with the initial application for licensure and with any renewal applications an audited financial statement. If a mortgage broker is a United States Department of Housing and Urban Development loan correspondent, such broker must also submit to the department the audit that is required for the United States Department of Housing and Urban Development. The department may require the mortgage broker to have made an audit of the books and affairs of the licensed or registered business and submit to the department an audited financial statement if the department finds that such an audit is necessary to determine whether the mortgage broker is complying with the provisions of this article and the rules and regulations adopted in furtherance of this article.
(b) Each mortgage lender licensed or registered under this article shall at least once each year have made an audit
of the books and affairs of the licensed or registered business and submit to the department at renewal an audited financial statement, except that a mortgage lender licensed or registered under this article which is a subsidiary shall comply with this provision by annually providing a consolidated audited financial statement of its parent company and a financial statement, which may be unaudited, of the licensee or registrant which is prepared in accordance with generally accepted accounting principles. A lender who utilizes a bond in lieu of an audit need not supply such audit, unless specially required by the department. An audit must be less than 15 months old to be acceptable. The department may by regulation establish additional minimum standards for audits and reports under this Code section."
This change to Section 7-1-1010 (a), further clarifies the changes made to Section 7-1-1003.2 (a) as noted above, and specifies that the audit required for HUD must be submitted by those licensees using HUD approval to meet the financial requirements for licensing. In addition, the changes to Section 7-1-1010 (b) removes the requirement to supply a financial statement by those LENDER applicants who will be using a bond to meet the financial requirements for licensing, unless specifically required by the Department.
LICENSE RENEWALS - FY 2005
Renewal applications, whether completed on-line or in hard-copy format, were due by April 1, 2004. Failure to have properly filed the renewal application resulted in a $300 late fine. As in prior years, and for all licensees, whether renewing on-line or by mail, all outstanding issues such as any fines, fees, stale audits, complaint resolution, etc. must be resolved before your renewal license will be granted.
REMEMBER that licensees who do not complete the renewal process by June 30, 2004, will have their licenses expire, will have to cease operations, and will have to complete the license application/reinstatement process in full before being allowed to again operate a residential mortgage business.
Licenses will be mailed beginning approximately June 15, 2004. If you have not received your license by the first full week in July, please then contact the Department.
Going forward, the Department encourages licensees who qualify for the on-line renewal process used this year to take advantage of this process. It significantly reduced processing time, eliminated mailing concerns, ensured quality data entry, and has allowed the Department to offer more on-line services in the future (see $6.50 filing fee article below). We would like to again thank all of you who renewed on-line for your participation.

BACKGROUND CHECKS - REQUIREMENTS AND FREQUENCY
The Georgia Residential Mortgage Act (GRMA), O.C.G.A. Section 7-1-1004 (d), prohibits a licensee from employing convicted felons who have not previously sought and obtained the remedies provided for in the Code, such as a pardon or the successful completion and documentation of probation under a first offender statute. In addition, Code Section 7-1-1004 (f) requires all licensees to conduct background checks on their covered employees, as defined in that same code section, to adequately determine existing and potential employees' criminal histories.
Please note: Code Section 7-1-1004 (f) also requires that such background checks be handled by the Georgia Crime Information Center pursuant to Code Section 35-3-34 and the rules and regulations of the Georgia Crime Information Center. Several licensees have recently utilized private companies to perform background checks and have unnecessarily subjected their licenses to fines and revocation.
Many licensees have asked how often this background check needs to be performed, as neither the GRMA nor the Department's Rules addresses frequency or requires that a licensee run criminal background checks periodically after the initial employment check. The Department has consistently held that a licensee should do follow-up background checks no less frequently than every 24 months, unless the licensee has reason to believe there is a need to review an individual's criminal background record more frequently. In doing so a licensee would demonstrate "due diligence" on their part in that they do not have in their employ a felon who received their conviction after hiring.
In such a case, a licensee who periodically runs employment background checks and who subsequently discovers that they have a felon on staff, and the felony occurred after the initial hiring would, in most circumstances, be assessed a fine for the violation and issued a cease and desist order to preclude future violations of this law if they took immediate steps to correct the violation, but in most cases would not be subject to revocation of their license.
However, revocation could occur if an employer 1) knew, or 2) should have known (based on information received, prolonged absence from work, etc.), that an employee had a subsequent felony conviction but allowed the individual to remain on staff and did not take the appropriate and timely action to correct the violation.
APPOINTMENT - SUPERVISORY MANAGER
A reminder: With the retirement of Larry Moor in March, 2004, Rod Carnes, who previously served as the Senior Special Investigations Examiner for the Mortgage Division, has been appointed to the position of Supervisory Manager-Licensing, which had been held by Larry. Rod is a graduate of the University of Georgia and began his career with the Department in 1998 as the first full-time Mortgage Examiner. Please contact Rod at rodc@dbf.state.ga.us.
REAL ESTATE BROKERS AND UNLAWFUL RESIDENTIAL MORTGAGE ACTIVITIES
Although a real estate broker may refer consumers to a mortgage broker or mortgage lender, Georgia law prohibits a real estate broker from accepting any fee or compensation in any form whatsoever for directly or indirectly negotiating, placing, or finding a mortgage for a Georgia consumer. O.C.G.A. 7-1-1001 (4). In order for a real estate broker to receive compensation legally for such services, that real estate broker must first obtain a mortgage broker or mortgage lender license or demonstrate that he, she, or it is exempt form GRMA's licensing requirements. Compensating a real estate broker for such services will subject a Georgia licensed mortgage broker or mortgage lender to revocation procedures as such conduct constitutes engaging in residential mortgage activities with unlicensed person. O.C.G.A. 7-1-1002.
AUDITED FINANCIAL STATEMENTS
Lenders and some brokers have licenses that are dependent upon the filing of current audited financial statements with this office. Those 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.
PER LOAN FEES - July 1, 2003 to December 31, 2003
"Per loan" fees for the second half of 2003 were due by March 1, 2004. If you hold a Georgia Residential Mortgage Lender license, you should have received a Reporting Form in January 2004. Please use this form to remit your fees. Contact the Department or use the internet if you did not receive your form. 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 will be posted to the delinquent licensees. 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; however, you should still send in the form reflecting "0" loans closed if that is the case. Proper payment of these fees will be monitored by our examination team. Failure to pay the fees may result in non-renewal of your license.
PER LOAN FEES - January 1, 2004 to June 30, 2004
"Per loan" fees for the first half of 2004 will be due soon, and for this next reporting period those owing the fees will have the option of on-line payment.
Like this year's license renewal process, the Department is offering more on-line services to licensees. The Department has developed an on-line ACH payment system and beginning with the fees for January 1, 2004 to June 30, 2004, (which are due by September 1, 2004), it is requested that those owing the fee pay by this new method. Although credit card payments are not yet available, we hope to also have this option in the near future.
After the beginning of the billing period, which is July 1, 2004, licensees can submit fees on-line at the website https://bkgfin.dbf.state.ga.us/ach650fees.html and follow the on-screen instructions.
This website requires the use of either web browser Netscape Version 7.0 or greater or Internet Explorer Version 6.0 or greater. More information regarding the use of the website and access will be provided with the billing statements, but we hope that you will take advantage of this on-line system to pay these fees, and that you find the site easy to use. The department welcomes any comments about new processes, so please feel free to contact a member of the department with any comments or concerns.
E- MAIL WORMS
With the recent e-mail virus attacks, both the state's and the Department's Technology Departments have introduced stronger e-mail content filtering and blocking for incoming infected messages. As a result, many messages containing attachments have the attachments filtered, or often the entire message itself is deleted. If you are e-mailing the Department and you have not received a response in a day or two, please resend the message, being mindful of the SUBJECT line or other content that may be filtered by anti-virus programs.
VERIFYING LICENSED ENTITIES
Rule 80-11-4-.05 of the Mortgage Division Rules states, in part, that it is the licensee's responsibility to "know" that it is conducting business with a licensed entity.
You run the risk of conducting business with an unlicensed entity if you do not verify the license. The fine for "dealing with unlicensed persons" under Rule 80-11-3-.01 (4) is $1,000 per transaction and your license shall be

subject to suspension or revocation. Anyone who purchases, sells, places for processing or transfers a mortgage loan or loan application to or from a person who is required to be licensed but is not properly licensed will be fined.
You can check the license status of any licensee by going to the Department's web site at http://www.ganet.org/dbf/mortgage.html . From there you can check by entering the licensee's name, license number, or city, or leave the selection box blank and you will get a complete listing of licensees. There is also an option to download the entire list into an Excel spreadsheet.
CEASE AND DESIST ORDERS - Issued
A-1 Mortgage Broker, Tucker, GA (license no. 16393) - Cease and Desist Order issued March 18, 2004 and became final on April 16, 2004.
Abdo, Juan A., Suwanee, GA - Cease and Desist Order issued March 31, 2004 and became final on April 20, 2004.
American Discount Mortgage, Inc., Union City, GA (license no. 14138) - Cease and Desist Order issued April 7, 2004 and became final on April 27, 2004.
Davis, Mark G., Stone Mountain, GA - Cease and Desist Order issued March 16, 2004 and became final on April 16, 2004.
Dunlap, Laura Renee, Dublin, GA - Cease and Desist Order issued April 1, 2004 and became final on April 16, 2004.
Dunlap, Ryan, Dublin, GA - Cease and Desist Order issued April 1, 2004 and became final on April 21, 2004.
Eastside Mortgage Corporation, Snellville, GA (license no. 16791) - Cease and Desist Order issued March 18,and became final on April 16, 2004
Grimes, Bert Tillery, Columbus, GA - Cease and Desist Order issued March 31, 2004 and became final on April 20, 2004.
Hall, William, Atlanta, GA - Cease and Desist Order issued March 31, 2004 and became final on April 20, 2004.
Heart of Georgia Home Source, Byron, GA - Cease and Desist Order issued March 16, 2004 and became final on April 15, 2004.
Hillsman, Daniel A., Powder Springs, GA - Cease and Desist Order issued March 16, 2004 and became final on April 5, 2004.
International Realty Group, Inc., Marietta, GA (license no. 12719) - Cease and Desist Order issued March 16, 2004 and became final on April 5, 2004.
Kotz, Angelique A., Acworth, GA (license no. 15998) - Cease and Desist Order issued January 26, 2004 and became final April 18, 2004.
Level, Cecil, Fayetteville, GA - Cease and Desist Order issued March 23, 2004 and became final on April 12,
2004.
M&G Mortgage Co., Inc., Snellville, GA (license no. 14076) - Cease and Desist Order issued March 22, 2004 and became final on April 21, 2004.

McLarty, Bob, Byron, GA - Cease and Desist Order issued March 16, 2004 and became final on April 15, 2004.
Mitchell, Virgie, Stone Mountain, GA - Cease and Desist Order issued March 16, 2004 and became final on April 15, 2004.
Mortgage Solutions, Inc., Marietta, GA (license no. 5878) - Cease and Desist Order issued March 29, 2004 and became final on April 18, 2004.
NeSmith, Joni, Dublin, GA - Cease and Desist Order issued April 2, 2004 and became final on April 21, 2004.
Peach State Financial Group, Inc., Panama City, FL (license no. 11925) - Cease and Desist Order issued April 8, 2004 and became final on April 28, 2004.
Powerhouse Financial Consultants, LLC, Cartersville, GA (license no. 16365) - Cease and Desist Order issued March 18, 2004 and became final on April 16, 2004.
Rite Choice Homes of Georgia, Inc., Thomasville, GA - Cease and Desist Order issued March 17, 2004 and became final on April 16, 2004.
Roberts, Darrell, Smyrna, GA - Cease and Desist Order issued March 26, 2004 and became final on April 25, 2004.
Scruggs, Kenneth, Mableton, GA - Cease and Desist Order issued March 16, 2004 and became final on April 15, 2004.
Smith, Rodney a/k/a Gipsy Rodney Smith - Cease and Desist Order issued March 16, 2004 and became final on April 15, 2004.
South Central Mortgage & Home Loans, Inc., Douglas, GA (license no. 17327) - Cease and Desist Order issued March 15, 2004 and became final on April 5, 2004.
Source One Mortgage Services of Georgia, Inc., Kennesaw, GA (license no. 15285) - Cease and Desist Order issued on March 18, 2004 and became final on April 16, 2004.
Southern Housing Center, Inc., Byron, GA (license no. 16246) -Cease and Desist Order issued on March 15, 2004 and became final on April 10, 2004.
Washington, Robert A., Atlanta, GA - Cease and Desist Order issued on March 17, 2004 and became final on April 16, 2004.
Wilson, Malinda, Cordele, GA - Cease and Desist Order issued March 31, 2004 and became final on April 20, 2004.
Zapata Housing Center, LLC, Thomasville, GA - Cease and Desist Order issued March 17, 2004 and became final on April 16, 2004.
Zapata Luis, Thomasville, GA - Cease and Desist Order issued March 17, 2004 and became final on April 16, 2004.
Zapata, Ynez R., Thomasville, GA - Cease and Desist Order issued March 17, 2004 and became final on April 16, 2004.

CEASE AND DESIST ORDER - Lifted Genesis Lending, Inc., Fayetteville, GA - Cease and Desist Order issued January 27, 2003 was LIFTED on April 2, 2004.
Final Consent Order One March 1, 2004, the Department entered a Consent Oder with Universal Home Mortgage, Inc. in which Universal agreed to surrender its license and cease conducting business as of March 5, 2004.

LICENSEES/REGISTRANTS REVOKED, EXPIRED, SUSPENDED, WITHDRAWN OR DENIED

ID#
7076 7446 14076 15285 15998 16209 16246 16365 16393 16791 16939 17116

NAME
IRWIN HM EQUITY OAKWOOD MOBILE HMS M&G MTG CO INC SOURCE ONE MTG SVCS KOTZ, ANGELIQUE A CMD R FINL SVCS INC SOUTHERN HOUSING CTR POWERHOUSE FINL A-1 MTG BROKER EASTSIDE MTG CORP HEART GA FINL SVCS INC AFFILIATE LENDING CORP

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

IN APRIL 2004
REVOKED EXPIRED

SUSPENDED

04/07/2004
04/21/2004 04/21/2004

04/21/2004 04/16/2004 04/18/2004
04/10/2004 04/16/2004 04/16/2004 04/16/2004

WITHDRAWN
04/20/2004 04/13/2004

DENIED

TOTAL: 12

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2004

ID# COMPANY NAME

CITY

6385 12162 12243 12484 13485 14718 17010

Providence Mortgage, Inc. * 3RD Financial Svc Corp. * Ohio Mtg Company, Inc. + Capital City Mortgage Corp. * GBC Funding, Inc. # Hillcrest Mortgage + G Squared Financial, LLC *

TUCKER AKRON BROOKLYN ATLANTA ATLANTA ATLANTA ATLANTA

ST MB
CODE
GA L OH L OH B GA L GA R GA B GA L

ORIGINAL APPROVAL
06/23/1993 01/17/1997 03/28/1997 05/09/1997 05/01/1998 05/28/1999 12/28/2001

RENEWAL
04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004

REINSTATED

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2004

ID# COMPANY NAME

18067 18844 19050 19056 19060 19113 19134 19151 19153 19155 19203 19207 19221 19225 19226 19229 19232 19234 19237 19240 19241 19245 19247 19248 19249 19254 19255 19259 19261 19262 19266 19267 19269 19271 19227 18929 19158 19174 19246 19252 19260 19280 19283 19286 19296

Buckingham Mortgage Corp. * Genair P. Stephens First City Mortgage Corp. Jessica Grace Ogle Bridgeport Financial Mortgage, 1st Southeastern Mortgage, Inc. Financial Resources and MBS Mortgage Company, LLC Lakeside Lending, LLC 1st Commitment Mortgage The Mortgage Locator, LLC Emax Financial Group, LLC Mary Ellen Prather Sharon Eileen Brock Anderson Georgia Community Mortgage, Fieldstone Investment America's Best Mortgage, Inc. William T. Hurst, III Loan District, Inc. B.D. Nationwide Mortgage J & R Financial Group, LLC 1st USA Mortgage Corp. Georgia Prime Mortgage, Inc. TMC Lending, Inc. Total Mortgage Solutions, LLC Leonard McReynolds FederalGuaranty Mortgage Co. Virginia D. Norton All American Financial Services, Accelerated Mortgage Old Merchants Mortgage, Inc. John Randolph McGarvey Yong Rae Park Signet Home Mortgage, LLC Sheva Kharazmi NLC of Georgia, Inc. Amerifirst Financial Corporation Samuel Antonio Higgins First United Lending, LLC Franklin Morgan, Inc. Assurance Mortgage, LLC Frederick Mortgage Group, LLC Wayne Moore Lisa S. Morrell Shiv Mortgage Corporation

CITY
VIENNA CHAMBLEE WILWAUKEE CALHOUN NORCROSS ROSWELL MEREDITH GRAND RAPIDS DAWSONVILLE LITHONIA STONE CHRISTIANSTED STOCKBRIDGE PLANT CITY ROSWELL COLUMBIA POWDER NEWNAN ALPHARETTA ENCINTAS ATLANTA ALPHARETTA STATESBORO GUYTON WOODSTOCK CHAMBLEE MIRAMAR TRION NORCROSS ATLANTA LAKE SUCCESS FLOWERY TUCKER PEACHTREE CITY GAINESVILLE HOUSTON PORTAGE NORCROSS CARTERSVILLE CUMMING SALT LAKE CITY ROSWELL ATLANTA STOCKBRIDGE LILBURN

ST MB
CODE
VA L GA B WI B GA B GA B GA B NH B MI B GA L GA B GA B VI L GA B FL B GA B MD L GA B GA B GA B CA B GA B GA B GA B GA B GA B GA B FL L GA B GA L GA B NY L GA B GA B GA B GA B TX B MI L GA B GA B GA B UT B GA B GA B GA B GA B

ORIGINAL APPROVAL
02/28/2003 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004

RENEWAL
04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/02/2004 04/05/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004

REINSTATED

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2004

ID# COMPANY NAME

19297 19303 19306 19329 19332 19369 19003 19211 19236 19300 19307 19308 19317 19327 19150 19172 19216 19228 19238 19239 19256 19282 19312 19330 14592 19287 19314 19345 19346 19355 19357 19361 19364 19365 19367

Global Properties and Financial Impact Mortgage, Inc. Derrick Anthony Knox First Class Mortgage Services, SouthFirst Mortgage, Inc. Nesbitt Financial Services, LLC James Clifford Gant New Logic Mortgage, LLC Homeloan Advisors.Com (Inc.) New State Mortgage, LLC Regency Mortgage, LLC Platinum Home Mortgage Imperial Mortgage, LLC Alpha Funding Solution, Inc. RFA, LLC a LLC of Wisconsin Holly Bea Quinney Comprehensive Mortgage Co., Affiliated Mortgage Services, New Threshold Mortgage, Inc. Lender Support Center, LLC Continental Mortgage Services, Corey Torez Lindsey Lindstrom Financial Group, Inc. Advanced Mortgage & Wilshire Credit Corp. # David Kilpatrick, Inc. First Community Mortgage, Inc. Citizen Mortgage Finance Elante' Mortgage Services Keel Mortgage Company, LLC First United Mortgage Corp. (fl) Spirit Mortgage, LLC Carolyn Yvonne Andreassen John Michael Patterson Amy Lea Hitch

CITY

ST MB

CODE

MABLETON

GA B

NEWNAN

GA B

DECATUR

GA B

DECATUR

GA B

STOCKBRIDGE

GA B

KENNESAW

GA B

COLUMBUS

GA B

BALTIMORE

MD B

COSTA MESA

CA L

MERRILLVILLE

IN L

ATLANTA

GA B

LAWRENCEVILLE GA B

LAWRENCEVILLE GA B

CHAMBLEE

GA B

NEWPORT BEACH CA B

TIFTON

GA B

WOBURN

MA B

JASPER

GA P

ATLANTA

GA B

LAWRENCEVILLE GA P

PLANTATION

FL B

COLUMBUS

GA B

HUNTINGTON

CA L

GROVETOWN

GA L

BEAVERTON

OR R

CUMMING

GA B

RIVERDALE

GA B

DECATUR

GA B

CONYERS

GA B

WOODSTOCK

GA B

ORLANDO

FL L

AUGUSTA

GA B

LAWRENCEVILLE GA B

JACKSON

GA B

SUWANEE

GA B

ORIGINAL RENEWAL APPROVAL

04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 05/21/1999 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004

04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/09/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/16/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/23/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004 04/30/2004

REINSTATED

TOTAL: 88 B = BROKER L = LENDER R = REGISTRANT

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

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

5608

04/20/2004

$1000.

Sun America Mortgage Corporation,

Atlanta

GA

5725

04/13/2004

$300.

Mortgage Underwriters, Inc

Marietta

GA

5738

04/13/2004

$300. 04/28/2004 McCaughan Mortgage Company, Inc.

Coral Gables

FL

5741

04/13/2004

$300.

Stone Mountain Mortgage, Inc.

Tucker

GA

5783

04/13/2004

$300. 04/23/2004 Greater Atlanta Mortgage Company

Atlanta

GA

5849

04/13/2004

$300.

Goff/Coley Enterprises, Inc.

Atlanta

GA

5849

04/20/2004

$1000.

Goff/Coley Enterprises, Inc.

Atlanta

GA

5862

04/13/2004

$300. 04/20/2004 First American Mortgage Corp

Alpharetta

GA

5884

04/13/2004

$300. 05/03/2004 21st Century Financial Center, Inc.

Atlanta

GA

5892

04/13/2004

$300. 05/06/2004 Metro Brokers Financial, Inc.

Atlanta

GA

5919

04/13/2004

$300.

Infinity Mortgage Corporation

Atlanta

GA

5919

04/20/2004

$1000.

Infinity Mortgage Corporation

Atlanta

GA

5933

04/02/2004

$1000.

Unity Mortgage Corp.

Atlanta

GA

5933

04/02/2004

$7000.

Unity Mortgage Corp.

Atlanta

GA

6057

04/13/2004

$300.

Lakeside Mortgage Brokers, Inc.

Greensboro

GA

6160

04/13/2004

$300. 04/23/2004 Donnie Lyons

Fort Valley

GA

6178

04/13/2004

$300. 04/23/2004 Marion Thomas Porter

Fort Valley

GA

6215

04/15/2004

$1000. 05/10/2004 CTX Mortgage Company, LLC

Dallas

TX

6267

04/13/2004

$300. 04/16/2004 Residential Funding Corporation

Atlanta

GA

6286

04/13/2004

$300.

General Mortgage Corporation of America

Ft. Myers

FL

6313

04/01/2004

$750. 04/28/2004 Prestige Mortgage Services, Inc.

Woodstock

GA

6334

04/13/2004

$300.

NGN Financial Services, Inc.

Roswell

GA

6476

04/13/2004

$300.

Metwest Mortgage Services, Inc.

Spokane

WA

6507

04/20/2004

$1000.

Coats & Co., Inc.,

Birmingham

AL

6529

04/13/2004

$300. 04/13/2004 Homeowners Mortgage Enterprises, Inc.

Columbia

SC

6648

04/01/2004

$25. 04/29/2004 Smith Enterprises, Inc.

Hogansville

GA

6754

04/13/2004

$300.

Walter Capital Corporation

Thomasville

GA

6754

04/20/2004

$1000.

Walter Capital Corporation

Thomasville

GA

6867

04/13/2004

$300.

HomeQUEST, Inc.

Duluth

GA

6933

04/13/2004

$300. 05/10/2004 Phoenix Global Mortgage Corporation

Atlanta

GA

7006

04/13/2004

$300. 04/21/2004 The Chattahoochee Mortgage & Investments Carrollton

GA

7022

04/20/2004

$1000.

Express Funding, Inc.

Dallas

TX

7024

04/13/2004

$300.

Mortgage Investments, Inc.

Chattanooga

TN

7033

04/13/2004

$300.

The Mortgage Connection, LLC

Smyrna

GA

7134

04/13/2004

$300.

World Mortgage, Inc.

Chamblee

GA

7165

04/13/2004

$300.

The Savings Group, L.P.

Delray Beach

FL

7166

04/20/2004

$1000. 05/04/2004 Olympia Mortgage Corp.

Brooklyn

NY

7195

04/13/2004

$300. 04/23/2004 James Henry Maxwell

Fort Valley

GA

7224

04/13/2004

$300.

Peachtree National Mortgage, Inc.

Fayetteville

GA

7240

04/13/2004

$300.

Oakwood Acceptance Corporation, LLC

Greensboro

NC

7264

04/13/2004

$300. 05/05/2004 Chapel Mortgage Corporation

Rancocas

NJ

7264

04/20/2004

$1000. 04/30/2004 Chapel Mortgage Corporation

Rancocas

NJ

7294

04/13/2004

$300. 04/14/2004 Randy Helton Housing Center, Inc.

Sandersville

GA

7310

04/13/2004

$300.

National Guaranty Mortgage Corporation

Atlanta

GA

7310

04/20/2004

$1000.

National Guaranty Mortgage Corporation

Atlanta

GA

7352

04/02/2004

$2000. 04/16/2004 Perimeter Mortgage Funding Corporation

Norcross

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

7352

04/02/2004

$500. 04/16/2004 Perimeter Mortgage Funding Corporation

Norcross

GA

7352

04/02/2004

$1000. 04/16/2004 Perimeter Mortgage Funding Corporation

Norcross

GA

7352

04/02/2004

$3000. 04/16/2004 Perimeter Mortgage Funding Corporation

Norcross

GA

7383

04/13/2004

$300.

Sunset Carson Housing Inc.

Statesboro

GA

7398

04/13/2004

$300. 05/12/2004 Bankers Homes of America, Inc.

Chatsworth

GA

7409

04/13/2004

$300.

AMC Mortgage & Credit Services, Inc.

Jonesboro

GA

7431

04/13/2004

$300. 04/19/2004 Georgia Porch and Patio Rooms, Inc.

Norcross

GA

7449

04/13/2004

$300.

The Tompkins Company

Augusta

GA

7462

04/13/2004

$300.

DC Enclosures, Inc.

Kennesaw

GA

7504

04/13/2004

$300.

Shabtay Varon

Atlanta

GA

7511

04/13/2004

$300.

The Pool Depot, Inc.

Atlanta

GA

7524

04/13/2004

$300. 04/30/2004 Susan Elaine Loggins

Gainesville

GA

11314

04/13/2004

$300. 05/07/2004 Jason P. Witt

Smynra

GA

11430

04/13/2004

$300. 05/07/2004 Sharpe Mortgage Lending Services of

Atlanta

GA

11430

04/22/2004

$1000. 05/05/2004 Sharpe Mortgage Lending Services of

Atlanta

GA

11430

04/22/2004

$500. 05/05/2004 Sharpe Mortgage Lending Services of

Atlanta

GA

11459

04/13/2004

$300.

Woodland Capital Corporation

Minneapolis

MN

11459

04/20/2004

$1000.

Woodland Capital Corporation

Minneapolis

MN

11544

04/13/2004

$300. 05/07/2004 First Equity Mortgage Services, Inc.

Atlanta

GA

11674

04/13/2004

$300. 04/13/2004 Sears Home Improvement Products, Inc.

Longwood

FL

11770

04/13/2004

$300.

Omega Homes, Inc.

Thomson

GA

11925

04/02/2004

$7000.

Peach State Financial Group, Inc.

Panama City

FL

11925

04/02/2004

$7000.

Peach State Financial Group, Inc.

Panama City

FL

11925

04/02/2004

$1000.

Peach State Financial Group, Inc.

Panama City

FL

11925

04/02/2004

$1000.

Peach State Financial Group, Inc.

Panama City

FL

11925

04/02/2004

$300.

Peach State Financial Group, Inc.

Panama City

FL

12024

04/20/2004

$1000.

eHomeCredit Corporation

Mineola

NY

12057

04/20/2004

$1000. 04/27/2004 Fidelity Residential Mortgage Corporation

Tucker

GA

12159

04/13/2004

$300.

George Frye and Company, Inc.

Atlanta

GA

12166

04/13/2004

$300.

Tri State Funding Group, Inc.

Woodstock

GA

12191

04/20/2004

$1000. 04/30/2004 NovaStar Mortgage, Inc.

Kansas City

MO

12201

04/13/2004

$300.

Oconee Financial Services

Bishop

GA

12310

04/13/2004

$300. 04/15/2004 Dream House Mortgage Corporation

Providence

RI

12310

04/20/2004

$1000. 04/30/2004 Dream House Mortgage Corporation

Providence

RI

12314

04/20/2004

$1000.

Hamilton Insurance Services

Duluth

GA

12320

04/13/2004

$300.

AmQuest Mortgage, Inc

Flowery Branch

GA

12320

04/20/2004

$1000.

AmQuest Mortgage, Inc

Flowery Branch

GA

12347

04/20/2004

$1000.

Leahy and Walker Financial Services, Ltd.

Costa Mesa

CA

12375

04/13/2004

$300.

21st Mortgage Corporation

Knoxville

TN

12423

04/13/2004

$300.

Marilyn W. Hardy

McDonough

GA

12470

04/13/2004

$300.

Monalisa A Godeffroy-Rodgers

Augusta

GA

12541

04/20/2004

$1000.

Pioneer Mortgage Corporation

Decatur

GA

12575

04/20/2004

$1000.

Grand Finance, Inc.

Tucker

GA

12595

04/08/2004

$2000.

Nexus Financial Group, Inc.

West Palm Beach

FL

12595

04/08/2004

$1000.

Nexus Financial Group, Inc.

West Palm Beach

FL

12602

04/13/2004

$300.

Kevin David Price

Ringgold

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

12625

04/13/2004

$300. 05/13/2004 New South Mortgage, Inc.

Carrollton

GA

12635

04/13/2004

$300. 04/19/2004 Quality Financial Management Services, Inc. Stone Mountain

GA

12638

04/20/2004

$1000.

Town & Country Credit Corporation

Irvine

CA

12711

04/20/2004

$1000. 04/27/2004 Chadwick Mortgage, Inc.

Huntington Beach

CA

12716

04/13/2004

$300. 04/20/2004 Big Bend Mortgage, Inc.

Thomasville

GA

12719

04/13/2004

$300.

International Realty Group, Inc.

Marietta

GA

12751

04/20/2004

$1000.

Platinum Capital Group

Irvine

CA

12752

04/13/2004

$300.

World Wide Credit Corporation

San Diego

CA

12752

04/20/2004

$1000.

World Wide Credit Corporation

San Diego

CA

12757

04/13/2004

$300.

Delphine M. Bartleson-Chenault

Atlanta

GA

12770

04/13/2004

$300.

Money Tree Mortgage Inc.

Woodstock

GA

12770

04/20/2004

$1000.

Money Tree Mortgage Inc.

Woodstock

GA

12807

04/13/2004

$300.

Sylvania Manufactured Homes, Inc.

Sylvania

GA

12905

04/13/2004

$300. 04/30/2004 Nantucket Mortgage, Inc.

Buford

GA

12942

04/13/2004

$300.

Leola Anthony Dubone

Decatur

GA

12956

04/13/2004

$300.

QuestStar Mortgage, Inc.

Hoschton

GA

12960

04/13/2004

$300.

The Strategic Capital Group, LLC

Atlanta

GA

12963

04/13/2004

$300.

Patricia S. Tatom

Savannah

GA

13083

04/13/2004

$300.

Cynthia Lynn Webb

Duluth

GA

13119

04/13/2004

$300.

Debra Davis

Snellville

GA

13150

04/13/2004

$300. 04/20/2004 American Siding & Window Factory, Inc.

Savannah

GA

13204

04/13/2004

$300.

Southern Heritage Homes, Inc.

Warner Robins

GA

13215

04/13/2004

$300. 04/23/2004 Home Loan Mortgage Corporation

Hesperia

CA

13215

04/20/2004

$1000.

Home Loan Mortgage Corporation

Hesperia

CA

13242

04/20/2004

$1000.

Hunter Mortgage Company

Atlanta

GA

13275

04/13/2004

$300.

Kelkris Financial Group, Inc.

Tucker

GA

13286

04/13/2004

$300.

Cheryl B. Mathis

Lithonia

GA

13326

04/13/2004

$300.

American Mortgage Investors, Corporation

Mableton

GA

13326

04/20/2004

$1000.

American Mortgage Investors, Corporation

Mableton

GA

13356

04/13/2004

$300.

Burton & Burton Mortgage, Inc.

Tallahassee

FL

13356

04/20/2004

$1000.

Burton & Burton Mortgage, Inc.

Tallahassee

FL

13398

04/13/2004

$300.

PSB Lending Corp.

Plano

TX

13398

04/20/2004

$1000.

PSB Lending Corp.

Plano

TX

13412

04/13/2004

$300.

Kenneth Sherrard

Lithonia

GA

13434

04/13/2004

$300.

Southern Mortgage Investment Corp.

Marietta

GA

13483

04/13/2004

$300.

Arteria D. Stevens

Lithonia

GA

13498

04/13/2004

$300.

Frank David McCloud, II

Stone Mountain

GA

13538

04/02/2004

$500.

Alternative Mortgage, LLC

Atlanta

GA

13548

04/13/2004

$300.

Marc Matthew Fordham

McDonough

GA

13551

04/13/2004

$300.

Kathy L. Moody

Atlanta

GA

13590

04/13/2004

$300.

Progressive Home Mortgage

COLLEGE PARK

GA

13595

04/13/2004

$300. 04/23/2004 U.S. Mortgage Corp.

Pine Brook

NJ

13599

04/13/2004

$300.

Patricia A. Turner

Atlanta

GA

13628

04/13/2004

$300. 04/12/2004 Christopher E. Hobson, Inc.

Corona Del Mar

CA

13629

04/13/2004

$300. 04/07/2004 Genisys Financial Corp.

San Diego

CA

13634

04/13/2004

$300.

Kenneth Dewayne Lovelace

Douglasville

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

13637

04/13/2004

$300.

Bob Turley Enterprises, LP

Duluth

GA

13678

04/13/2004

$300.

BLS Funding Georgia Corp.

Garden City

NY

13708

04/13/2004

$300.

James Willie Smith

Augusta

GA

13726

04/13/2004

$300.

Edith Blackburn

Griffin

GA

13769

04/13/2004

$300.

Lillie P. Jordan

Macon

GA

13774

04/20/2004

$1000. 05/03/2004 American Fidelity, Inc.

Baton Rouge

LA

13783

04/13/2004

$300.

Andy Lanier Dowell

Lithonia

GA

13786

04/13/2004

$300.

Oscar T. Ragin

Marietta

GA

13795

04/13/2004

$300.

Golden First Mortgage Corp.

Melville

NY

13817

04/13/2004

$300.

United California Systems International, Inc. Atlanta

GA

13817

04/20/2004

$1000.

United California Systems International, Inc. Atlanta

GA

13820

04/13/2004

$300.

Uni-Financial Corporation

Atlanta

GA

13825

04/13/2004

$300.

Community Home Lenders, Inc.

Atlanta

GA

13845

04/13/2004

$300.

The Money Source, Inc.

Augusta

GA

13906

04/13/2004

$300.

Bottomline Mortgage, Inc.

Monrovia

CA

13969

04/20/2004

$1000. 05/07/2004 American Benefit Mortgage, Inc.

Aliso Viejo

CA

14062

04/13/2004

$300.

John L. Davis

Atlanta

GA

14076

04/13/2004

$300.

M&G Mortgage Co., Inc.

Snellville

GA

14083

04/13/2004

$300. 04/29/2004 Georgia Home Mortgage Network, Inc.

Kennesaw

GA

14118

04/13/2004

$300.

Emerald Residential Mortgage, Inc.

Woodstock

GA

14138

04/02/2004

$5000. 04/24/2004 American Discount Mortgage, Inc.

Union City

GA

14138

04/02/2004

$1000. 04/24/2004 American Discount Mortgage, Inc.

Union City

GA

14138

04/02/2004

$500. 04/24/2004 American Discount Mortgage, Inc.

Union City

GA

14156

04/13/2004

$300. 05/11/2004 Morris Capital Management, Inc.

Alpharetta

GA

14213

04/13/2004

$300. 05/03/2004 Melvin McWhorter, Sr.

Lithonia

GA

14237

04/13/2004

$300.

1st Continental Mortgage, Inc.

Fort Lauderdale

FL

14321

04/13/2004

$300. 04/16/2004 Piedmont Funding Group, LLC

Atlanta

GA

14377

04/13/2004

$300.

Charles Lee McKenzie

Macon

GA

14380

04/13/2004

$300.

Elmon Benton, Jr.

Atlanta

GA

14401

04/13/2004

$300.

Allen Barnes Corp.

Grantville

GA

14456

04/13/2004

$300.

Todd Williams

Marietta

GA

14468

04/13/2004

$300.

New Millenium Mortgage, Inc.

Cumming

GA

14536

04/13/2004

$300. 04/23/2004 Ira Thomas

Ft. Valley

GA

14551

04/13/2004

$300.

Dream Homes USA, Inc.

Americus

GA

14573

04/13/2004

$300.

Wall Street Mortgage Corporation

Marietta

GA

14592

04/20/2004

$1000.

Wilshire Credit Corporation

Beaverton

OR

14618

04/13/2004

$300.

Susan M. McGahee

Augusta

GA

14622

04/13/2004

$300.

Marilyn Y. Jackson

Griffin

GA

14669

04/13/2004

$300.

Brenda Sue Collins

Atlanta

GA

14697

04/20/2004

$1000.

Stohr Capital Group, Inc.

Bellevue

WA

14707

04/20/2004

$1000.

Service First Mortgage, L.C.

Coral Springs

FL

14723

04/13/2004

$300.

Keith M. Benton

Stone Mountain

GA

14744

04/20/2004

$1000.

Bridge Capital Corporation

Lake Forest

CA

14779

04/13/2004

$300.

Evergreen Mortgage Corporation

Atlanta

GA

14797

04/13/2004

$300.

Alpha Homes, Inc.

Rayle

GA

14817

04/13/2004

$300.

Nationwide Funding Group, Ltd.

Escondido

CA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

14817

04/20/2004

$1000.

Nationwide Funding Group, Ltd.

Escondido

CA

14851

04/13/2004

$300.

John R. Bryant

Lawrenceville

GA

14857

04/13/2004

$300. 04/28/2004 Marietta Mortgage Brokers, LLC

Marietta

GA

14869

04/13/2004

$300. 04/23/2004 Nathaniel Davis

Ft. Valley

GA

14874

04/13/2004

$300. 05/05/2004 Right Solutions Mortgages, Inc.

Norcross

GA

14878

04/13/2004

$300. 04/23/2004 MAG Mutual Financial Services, Inc.

Atlanta

GA

14885

04/13/2004

$300.

Accessible Home Equity Loans, Inc.

Chattanooga

TN

14923

04/13/2004

$300.

Clarence Johnson, Jr.

Ft. Valley

GA

14946

04/13/2004

$300.

Kevin Arthur Phillips

Conyers

GA

14947

04/13/2004

$300.

John R. Howe

Marietta

GA

14979

04/13/2004

$300.

Franklin First Financial Ltd

West Hempstead

NY

14979

04/20/2004

$1000.

Franklin First Financial Ltd

West Hempstead

NY

15031

04/20/2004

$1000.

Streamline Holding, LLC

Naples

FL

15055

04/13/2004

$300. 04/28/2004 HomeTown Mortgage Services, Inc.

Birmingham

AL

15055

04/20/2004

$1000. 05/03/2004 HomeTown Mortgage Services, Inc.

Birmingham

AL

15114

04/13/2004

$300.

Best Rate Mortgage, Inc.

Buford

GA

15128

04/20/2004

$1000. 04/29/2004 AIG Centre Capital Group, Inc

Walnut Creek

CA

15167

04/13/2004

$300.

Terry Turley

Duluth

GA

15169

04/13/2004

$300.

Harbour Point Funding, Inc.

Atlanta

GA

15183

04/20/2004

$1000.

Advanced Call Center Technologies, LLC

Harlingen

TX

15251

04/13/2004

$300. 05/06/2004 Joseph Corey Quintons, Sr.

Atlanta

GA

15300

04/20/2004

$1000.

Alta Financial Corporation

Atlanta

GA

15310

04/13/2004

$300.

21st Century Mortgage Investments

Marietta

GA

15314

04/13/2004

$300.

Angela R. Panter

Atlanta

GA

15327

04/13/2004

$300.

Tremelia L. Donaldson

Lithonia

GA

15334

04/20/2004

$1000.

First American Equity Corp.

Dalton

GA

15355

04/13/2004

$300.

James E. Webb

Roswell

GA

15369

04/13/2004

$300.

Investors of America, Inc.

Oakland Park

FL

15369

04/20/2004

$1000.

Investors of America, Inc.

Oakland Park

FL

15417

04/13/2004

$300. 04/28/2004 Veronica Stephens-Echols

Lithonia

GA

15433

04/13/2004

$300.

Advantage Plus Mortgage Corp.

Augusta

GA

15440

04/13/2004

$300.

Yale Mortgage Corporation

Miami Beach

FL

15440

04/20/2004

$1000.

Yale Mortgage Corporation

Miami Beach

FL

15454

04/13/2004

$300.

Denise J. Cunningham

Snellville

GA

15458

04/13/2004

$300.

A&J Mortgage Corporation

Greensboro

NC

15465

04/13/2004

$300.

American Financial Network, Inc.

Boca Raton

FL

15465

04/20/2004

$1000.

American Financial Network, Inc.

Boca Raton

FL

15469

04/13/2004

$300. 04/23/2004 Leonard Franklin, Jr.

Stone Mountain

GA

15481

04/13/2004

$300.

Dixie HomeCrafters of Columbus, Inc.

Columbus

GA

15485

04/13/2004

$300. 04/15/2004 The Peoples Home Mortgage Corporation,

Roswell

GA

15541

04/13/2004

$300.

Jeanne M. Figdore

Smyrna

GA

15557

04/13/2004

$300.

Mortgage Resource Services, Inc.

Fayetteville

GA

15586

04/13/2004

$300.

Charles F. Johnson

Atlanta

GA

15641

04/13/2004

$300.

Universal Home Mortgage, Inc.

Stone Mountain

GA

15643

04/13/2004

$300. 05/11/2004 Capital One Lending, Inc.

Roswell

GA

15645

04/20/2004

$1000.

Nassau Mortgage, LLC

Newtown

PA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

15652

04/13/2004

$300.

People's Choice Home Loan, Inc.

Irvine

CA

15652

04/20/2004

$1000.

People's Choice Home Loan, Inc.

Irvine

CA

15685

04/13/2004

$300.

Amenity Mortgage, Inc.

Atlanta

GA

15692

04/13/2004

$300. 05/07/2004 Vertical Lend, Inc.

Melville

NY

15698

04/20/2004

$1000.

Park West Mortgage, Inc.

Marietta

GA

15702

04/13/2004

$300.

Douglas Irons

Marietta

GA

15709

04/20/2004

$1000. 05/07/2004 Equistar Financial Corporation

St. Petersburg

FL

15724

04/13/2004

$300.

Marcia Thomas Smith

Albany

GA

15774

04/13/2004

$300.

Jawahn Elise Ware

Albany

GA

15777

04/13/2004

$300.

Charlie L. Florence

Lithonia

GA

15802

04/13/2004

$300.

Lincoln Mortgage Corporation

ACWORTH

GA

15830

04/13/2004

$300.

Bobby Kim Powers

Carrollton

GA

15833

04/13/2004

$300.

DeAnn Lyle Duren

Carrollton

GA

15862

04/13/2004

$300.

Ron Emeneker

Snellville

GA

15868

04/13/2004

$300.

Tidewater Mortgage Services, Inc.

St. Simons Island

GA

15880

04/13/2004

$300.

Derek Tyrone Valentine

Decatur

GA

15891

04/13/2004

$300.

Moses Lee Bright, Jr.

Stone Mountain

GA

15896

04/13/2004

$300.

Tull Mortgage, LLC

Charlotte

NC

15912

04/13/2004

$300.

Stacy Guerrero

Duluth

GA

15919

04/13/2004

$300.

Douglas K. Walker

Alpharetta

GA

15921

04/13/2004

$300.

Ernest Stuart VanHoozer

Carrollton

GA

15934

04/13/2004

$300. 04/23/2004 Ira Presley, Jr.

Fort Valley

GA

15944

04/13/2004

$300.

Humphrey Chukwunyere Mbadugha

Stone Mountain

GA

15964

04/13/2004

$300.

LaLisa Leary

Lithonia

GA

15966

04/13/2004

$300.

Donald J. Grace

Atlanta

GA

15998

04/13/2004

$300.

Angelique A. Kotz

Acworth

GA

16007

04/13/2004

$300.

Diversified Financial Group, LLC

Kennesaw

GA

16032

04/13/2004

$300.

Joey Jarrell Taylor

Tampa

FL

16035

04/13/2004

$300.

1st Republic Mortgage, Inc. (New York)

Floral Park

NY

16035

04/20/2004

$1000.

1st Republic Mortgage, Inc. (New York)

Floral Park

NY

16054

04/13/2004

$300. 04/20/2004 ComUnity Lending, Incorporated

Morgan Hill

CA

16064

04/20/2004

$1000.

PGNF Home Lending Corp.

Westmont

IL

16068

04/13/2004

$300.

Mohansingh Gurmukhsingh Udhwani

Martinez

GA

16101

04/13/2004

$300.

Cloverleaf Housing, Inc.

Cartersville

GA

16113

04/13/2004

$300. 04/02/2004 Bayview Financial Trading Group, LP

Coral Gables

FL

16139

04/13/2004

$300. 04/14/2004 D & B Investments, Inc

Macon

GA

16141

04/13/2004

$300.

Exclusive Metro Mortgage, LLC

Smyrna

GA

16141

04/20/2004

$1000.

Exclusive Metro Mortgage, LLC

Smyrna

GA

16175

04/13/2004

$300.

Lexie Mortgage, Inc.

Winder

GA

16175

04/20/2004

$1000.

Lexie Mortgage, Inc.

Winder

GA

16182

04/20/2004

$1000. 05/03/2004 Popular Financial Services, LLC

Marlton

NJ

16183

04/13/2004

$300. 04/23/2004 Mortgage Lenders of America, LLC

Overland Park

KS

16183

04/20/2004

$1000.

Mortgage Lenders of America, LLC

Overland Park

KS

16200

04/13/2004

$300.

FirstSource Mortgage Corporation, Inc.

Jonesboro

GA

16256

04/13/2004

$300.

Main Line Mortgage of South Florida, Inc.

Coral Springs

FL

16256

04/20/2004

$1000.

Main Line Mortgage of South Florida, Inc.

Coral Springs

FL

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

16258

04/20/2004

$1000. 04/30/2004 Home Mortgage, Inc

Burr Ridge

IL

16285

04/13/2004

$300.

Cedar Ridge Mortgage, Inc

Greenville

SC

16302

04/13/2004

$300.

Boston Financial, Inc.

Marietta

GA

16334

04/13/2004

$300.

HomePlace Mortgage Services, LLC

Kennesaw

GA

16337

04/13/2004

$300. 04/16/2004 American Home Equity Loan Corporation

Atlanta

GA

16349

04/20/2004

$1000.

HomeSource Capital Mortgage Co., LP

Jupiter

FL

16361

04/13/2004

$300. 04/19/2004 Olympia Funding, Inc.

Pleasanton

CA

16361

04/20/2004

$1000.

Olympia Funding, Inc.

Pleasanton

CA

16364

04/13/2004

$300.

1stPalm Financial Services, LLC

Jacksonville

FL

16364

04/20/2004

$1000.

1stPalm Financial Services, LLC

Jacksonville

FL

16370

04/13/2004

$300.

Optimum Mortgage Group, LLC

Charlotte

NC

16387

04/13/2004

$300.

Team One Mortgage, Inc.

White

GA

16393

04/13/2004

$300.

A-1 Mortgage Broker

Tucker

GA

16442

04/20/2004

$1000. 05/10/2004 Thornburg Mortgage Home Loans, Inc.

Santa Fe

NM

16515

04/13/2004

$300. 04/22/2004 Infinity Financial Network

Bellevue

WA

16515

04/20/2004

$1000.

Infinity Financial Network

Bellevue

WA

16552

04/13/2004

$300. 04/30/2004 ARK-LA-TEX Financial Services, LLC

Atlanta

GA

16563

04/13/2004

$300. 04/16/2004 Custom Mortgage Services, Inc.

Alpharetta

GA

16566

04/13/2004

$300.

Jeff L. Hughes

Monroe

GA

16572

04/13/2004

$300.

Butler Consolidated Mortgage, Inc.

Mableton

GA

16586

04/13/2004

$300.

Coastal Lending Corporation

Norcross

GA

16609

04/20/2004

$1000.

Equity Services, Inc.

Raleigh

NC

16620

04/20/2004

$1000. 04/30/2004 Credit Suisse First Boston Financial

Princeton

NJ

16630

04/13/2004

$300.

Homesouth Mortgage Services, Inc.

Birmingham

AL

16630

04/19/2004

$25.

Homesouth Mortgage Services, Inc.

Birmingham

AL

16630

04/20/2004

$1000.

Homesouth Mortgage Services, Inc.

Birmingham

AL

16643

04/13/2004

$300.

Source One Mortgage Solutions, LLC

Stone Mountain

GA

16648

04/13/2004

$300. 05/03/2004 Cando Funds, Inc.

Stone Mountain

GA

16656

04/13/2004

$300. 04/19/2004 Kingdom Financial, LLC

Marietta

GA

16667

04/13/2004

$300. 05/10/2004 Jane E. Brown Inc.

Decatur

GA

16669

04/13/2004

$300.

Carter & Carter Services, Inc.

Clarkesville

GA

16691

04/13/2004

$300.

Brenner Mortgage Corp.

Edmond

OK

16691

04/20/2004

$1000.

Brenner Mortgage Corp.

Edmond

OK

16707

04/20/2004

$1000. 05/05/2004 Alegis Group Loan Servicing, LLC

Greenville

SC

16712

04/13/2004

$300.

Derek Staden

Snellville

GA

16715

04/13/2004

$300.

Classic Lending, LLC

Marietta

GA

16740

04/13/2004

$300.

Wilfred Holmes

Marietta

GA

16744

04/13/2004

$300. 05/07/2004 C R Mortgage Solutions, Inc.

Atlanta

GA

16764

04/13/2004

$300. 04/20/2004 Harvestyme Mortgage Company, Inc.

Austell

GA

16770

04/13/2004

$300. 05/07/2004 Lion's Share Mortgage Services, Inc.

Atlanta

GA

16785

04/20/2004

$1000.

Calusa Investments, LLC

Chantilly

VA

16796

04/13/2004

$300.

Kevin Maurice Edwards

Stone Mountain

GA

16799

04/13/2004

$300.

Mortgage Resources of America, LLC

Cumming

GA

16800

04/13/2004

$300.

Richard Arthur Farnham

Lawrenceville

GA

16805

04/13/2004

$300.

Home Capital Plus, Inc.

Tampa

FL

16819

04/13/2004

$300.

James L. Gunby

Augusta

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

16830

04/13/2004

$300.

The JohnAlan Group, Mortgage Associates, Pineville

NC

16855

04/13/2004

$300.

Cynthia Anne Farnham

Lawrenceville

GA

16889

04/13/2004

$300.

Christine Benton

Valdosta

GA

16890

04/13/2004

$300.

Loan Correspondents, Inc.

Costa Mesa

CA

16907

04/20/2004

$1000.

Madison Mortgage Corporation

Smyrna

GA

16926

04/13/2004

$300.

Hil Smith

Marietta

GA

16939

04/13/2004

$300.

Heart of Georgia Financial Services, Inc.

Dublin

GA

16941

04/13/2004

$300.

Chris L. Collins

Dublin

GA

16978

04/13/2004

$300.

Melinda Drew

Cartersville

GA

16987

04/13/2004

$300.

Paul Mark Wood

Dallas

GA

16988

04/13/2004

$300.

First Decision Mortgage, Inc

Charlotte

NC

16991

04/13/2004

$300.

Patricia L. McDorman

Snellville

GA

16996

04/13/2004

$300.

Cynthia Hogan Dent

Augusta

GA

16997

04/13/2004

$300.

Ronald William Pilgrim

Augusta

GA

16999

04/13/2004

$300. 04/13/2004 Intell Mortgage Services, Inc.

Doraville

GA

17000

04/13/2004

$300.

Dwayne P. McDorman

Snellville

GA

17006

04/13/2004

$300. 04/29/2004 First American Financial Mortgage, Corp.

Tucker

GA

17006

04/20/2004

$1000. 04/29/2004 First American Financial Mortgage, Corp.

Tucker

GA

17019

04/13/2004

$300.

CVJ Services, Inc.

Stone Mountain

GA

17035

04/13/2004

$300. 04/23/2004 Endeavor Capital, LLC

Atlanta

GA

17035

04/20/2004

$1000.

Endeavor Capital, LLC

Atlanta

GA

17039

04/13/2004

$300.

Jupiter Mortgage Corporation

Jupiter

FL

17039

04/20/2004

$1000.

Jupiter Mortgage Corporation

Jupiter

FL

17111

04/13/2004

$300.

Willie Lamar Turner

Morrow

GA

17113

04/13/2004

$300.

Designer Mortgage Services, Inc.

Cumming

GA

17116

04/13/2004

$300.

Affiliate Lending Corporation

Atlanta

GA

17131

04/13/2004

$300.

Anquanita Jones

Stone Mountain

GA

17180

04/13/2004

$300.

Sheryl L. Button

Cartersville

GA

17183

04/13/2004

$300.

Optima Enterprise, Inc.

Duluth

GA

17187

04/13/2004

$300.

Freedom Equity, LLC

Columbus

GA

17191

04/13/2004

$300.

Randy L. McSkulin

Lawrenceville

GA

17202

04/28/2004

$500.

Loan Warehouse Corp.

Marietta

GA

17210

04/13/2004

$300. 05/06/2004 Advantage Mortgage Service, LLC

Stone Mountain

GA

17211

04/20/2004

$1000. 05/05/2004 The Lending Group, Inc.

Jacksonville

FL

17225

04/13/2004

$300.

Warren Rodney Morrison

Smyrna

GA

17229

04/20/2004

$1000. 04/30/2004 America's Discount Lenders, Inc.

Cape Coral

FL

17242

04/13/2004

$300.

Flick Mortgage Investors, Inc.

Miami

FL

17242

04/20/2004

$1000.

Flick Mortgage Investors, Inc.

Miami

FL

17265

04/13/2004

$300.

Western Capital Finance, LLC

Atlanta

GA

17280

04/13/2004

$300.

Lemuel F. Rich

Duluth

GA

17282

04/13/2004

$300.

Ryan N. Hodges

Duluth

GA

17304

04/13/2004

$300.

Stanley Emil Carson

Lithonia

GA

17314

04/20/2004

$1000. 05/06/2004 United Capital, Inc.

Alcoa

TN

17329

04/13/2004

$300.

A Mortgage Solution Incorporated

Columbus

GA

17350

04/13/2004

$300.

Star Mark Mortgage and Investments

Athens

GA

17362

04/13/2004

$300.

Donald G. Turnbull

Augusta

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

17368

04/13/2004

$300. 05/04/2004 Homestar Financial Corporation

Gainesville

GA

17370

04/07/2004

$2500.

Common Cents Mortgage, Inc.

Austell

GA

17370

04/07/2004

$1000.

Common Cents Mortgage, Inc.

Austell

GA

17370

04/07/2004

$16000.

Common Cents Mortgage, Inc.

Austell

GA

17370

04/07/2004

$13000.

Common Cents Mortgage, Inc.

Austell

GA

17370

04/07/2004

$9000.

Common Cents Mortgage, Inc.

Austell

GA

17371

04/20/2004

$1000.

Arencibia Financial Services, Inc.

Chicago

IL

17375

04/13/2004

$300.

Angela Willis

Roswell

GA

17382

04/13/2004

$300.

Sherry Yvonne Trahan

Duluth

GA

17384

04/13/2004

$300.

PrimeStar Mortgage Company, Inc.

Stockbridge

GA

17393

04/13/2004

$300.

Virgil W. Knox, Sr.

Decatur

GA

17394

04/13/2004

$300.

American Integrity Loan, LLC

Alpharetta

GA

17395

04/13/2004

$300.

Platinum Financial Group, LLC

Atlanta

GA

17416

04/13/2004

$300.

Kimberly Boggs

Smyrna

GA

17454

04/13/2004

$300.

South County Financial Services, LLC

Kennesaw

GA

17464

04/13/2004

$300.

Steward Financial, Inc.

Carlsbad

CA

17464

04/20/2004

$1000.

Steward Financial, Inc.

Carlsbad

CA

17466

04/13/2004

$300.

Brian Keith Holcombe

Snellville

GA

17470

04/13/2004

$300. 04/22/2004 Financial Solutions of Chattanooga, LLC

Chattanooga

TN

17477

04/13/2004

$300.

David C. Aaron

Cartersville

GA

17494

04/13/2004

$300.

Willie Roberts

Morrow

GA

17495

04/13/2004

$300.

Diversified Mortgage, Inc.

Clearwater

FL

17495

04/20/2004

$1000.

Diversified Mortgage, Inc.

Clearwater

FL

17504

04/13/2004

$300.

Dawn R. Harmon

Columbus

GA

17516

04/13/2004

$300.

Home Advantage Mortgages, LLC

Cumming

GA

17537

04/13/2004

$300.

Complete Mortgage Funding, LLC

Canton

GA

17549

04/13/2004

$300. 04/30/2004 HomeState Mortgage, Inc.

Marietta

GA

17563

04/13/2004

$300.

Simone H. Ford

Calhoun

GA

17565

04/13/2004

$300.

Cory Orsen Hester

College Park

GA

17619

04/13/2004

$300.

H.I.T.S. Financials, Inc.

Eastman

GA

17693

04/20/2004

$1000. 05/06/2004 Credit Suisse First Boston Mortgage Capital, New York

NY

17694

04/20/2004

$1000. 05/06/2004 DLJ Mortgage Capital, Inc.

New York

NY

17728

04/13/2004

$300.

Travis W. Taylor

Kingsland

GA

17776

04/20/2004

$1000. 05/06/2004 Pensacola Guarantee Mortgage Inc.

Pensacola

FL

17781

04/13/2004

$300.

Founders Mortgage USA, LLC

Sewell

NJ

17785

04/13/2004

$300.

Melinda Kay Griggs

Calhoun

GA

17787

04/13/2004

$300.

Michael A. Curry

Atlanta

GA

17787

04/28/2004

$25.

Michael A. Curry

Atlanta

GA

17790

04/13/2004

$300.

Nations Investment, Inc.

Florissant

MO

17792

04/20/2004

$1000. 05/10/2004 MortgageTree Lending

Modesto

CA

17802

04/13/2004

$300.

Donald W. Robinson, Jr.

Augusta

GA

17805

04/13/2004

$300.

William Douglas Timms

Calhoun

GA

17806

04/13/2004

$300.

David F. Griggs

Calhoun

GA

17807

04/13/2004

$300. 05/05/2004 American Allied Enterprises, Inc.

Atlanta

GA

17808

04/13/2004

$300. 04/22/2004 Morningside Financial, Inc.

Atlanta

GA

17810

04/13/2004

$300.

Delaza Professional Services, Inc.

Suwanee

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

17818

04/20/2004

$1000.

Mortgageclose.com, Inc.

Orange

CA

17846

04/13/2004

$300.

Paulette B. DeHart

Duluth

GA

17847

04/13/2004

$300.

Taurus Mortgage Group, Inc.

Tampa

FL

17849

04/13/2004

$300.

Kenneth Lee Holcomb

Calhoun

GA

17879

04/13/2004

$300.

Churchill Financial, Inc.

Fort Lauderdale

FL

17892

04/20/2004

$1000. 05/07/2004 Home Source Mortgage Corporation

Spartanburg

SC

17897

04/20/2004

$1000.

The Mortgage Store Financial, Inc.

Los Angeles

CA

17899

04/13/2004

$300.

Carsandra Jean Favors

Jonesboro

GA

17941

04/20/2004

$1000.

SLM Financial Corporation

Atlanta

GA

17948

04/13/2004

$300.

Enreal Lending, Inc.

Woodstock

GA

17950

04/13/2004

$300. 04/19/2004 Financial Planning Partners, Inc.

Atlanta

GA

17965

04/13/2004

$300.

Giovanni Murillo

Duluth

GA

17967

04/13/2004

$300.

Leigh Anne Michelle Miller

Calhoun

GA

17972

04/13/2004

$300.

CU Consultants, Inc.

Marietta

GA

17974

04/13/2004

$300. 04/19/2004 Best Group Mortgage, Inc.

Norcross

GA

18010

04/13/2004

$300.

Blue Star Home Inc.

Statesboro

GA

18013

04/13/2004

$300. 05/12/2004 F & T Mortgage, Inc.

Addison

TX

18014

04/13/2004

$300.

Mitchell Brinkley, III

Macon

GA

18023

04/13/2004

$300.

Franher Joseph

McDonough

GA

18029

04/13/2004

$300.

Specialty Mortgage Opportunities, Inc.

Atlanta

GA

18044

04/13/2004

$300.

GHS Homes, Inc.

Millen

GA

18069

04/13/2004

$300.

Lillie K. McDougal

Tucker

GA

18085

04/13/2004

$300.

Phayly Chong

Roswell

GA

18086

04/13/2004

$300. 04/21/2004 Storehouse Mortgage, LLC

Tucker

GA

18087

04/13/2004

$300.

MortgageLoanz.com, Inc.

Chamblee

GA

18095

04/13/2004

$300.

ARGO Mortgage and Investment, Inc.

Daytona Beach

FL

18118

04/13/2004

$300. 04/23/2004 Gold Key Mortgage, Inc.

Jefferson

GA

18124

04/13/2004

$300.

Glenda June Carver Drennon

Rome

GA

18135

04/13/2004

$300.

Pinnacle Funding, LLC

Atlanta

GA

18136

04/13/2004

$300.

Ridley Insuranace and Financial Services,

Smyrna

GA

18148

04/13/2004

$300.

New Equity Financial Corporation

Louisville

KY

18150

04/20/2004

$1000. 05/04/2004 Network Funding, L.P.

Houston

TX

18160

04/13/2004

$300.

Janice W. Barefoot

Macon

GA

18180

04/13/2004

$300.

Ronald Eugene Forkey, Jr.

Toccoa

GA

18181

04/13/2004

$300.

Peach One Mortgage, Inc.

Lawrenceville

GA

18246

04/13/2004

$300. 04/23/2004 Cherry Tree Capital, LLC

Kathleen

GA

18260

04/13/2004

$300.

Great Lakes Capital Acceptance, LLC

Chicago

IL

18260

04/20/2004

$1000.

Great Lakes Capital Acceptance, LLC

Chicago

IL

18274

04/20/2004

$1000.

Royal Mortgage Corp.

Princeton

NJ

18285

04/20/2004

$1000.

Kevin B. Stewart

Alpharetta

GA

18291

04/13/2004

$300. 04/15/2004 Cornerstone Mortgage & Finance, Inc.

Atlanta

GA

18351

04/13/2004

$300.

MoveToday Mortgage Services, LLC

Atlanta

GA

18353

04/13/2004

$300.

Hubert Daniely, Jr.

Stone Mountain

GA

18373

04/13/2004

$300.

Beverly Jeanne Smith

Atlanta

GA

18406

04/13/2004

$300.

Homecore Mortgage Corporation, Inc.

Duluth

GA

18410

04/13/2004

$300. 04/23/2004 Middle GA Mortgage, Inc.

Macon

GA

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

18417

04/13/2004

$300.

Paul W. Cheatham

Smyrna

GA

18432

04/13/2004

$300.

Linda A. Pallatto

Gainesville

GA

18438

04/20/2004

$1000.

Sensible Mortgage Solutions, Inc.

Jacksonville

FL

18449

04/13/2004

$300.

Robert M. Zsembery

Smyrna

GA

18452

04/13/2004

$300.

1st Choice Mortgage Equity Corporation

Charlotte

NC

18452

04/20/2004

$1000.

1st Choice Mortgage Equity Corporation

Charlotte

NC

18453

04/13/2004

$300.

Hal Franklin Smith

Calhoun

GA

18467

04/20/2004

$1000.

First Capital Mortgage of Central Florida, Inc Norcross

GA

18482

04/13/2004

$300.

SunCoast Mortgage Group, LLC

Atlanta

GA

18482

04/20/2004

$1000.

SunCoast Mortgage Group, LLC

Atlanta

GA

18484

04/13/2004

$300. 05/11/2004 Fast Lane Loan, Inc.

Duluth

GA

18490

04/13/2004

$300. 04/19/2004 Liberty Mortgage & Assistance, Corp.

Conyers

GA

18551

04/13/2004

$300. 04/16/2004 Classic Home Mortgage Co., Inc.

Macon

GA

18557

04/20/2004

$1000.

Columbus Housing Initiative, Inc.

Columbus

GA

18601

04/13/2004

$300. 04/23/2004 North American Real Estate Services, Inc.

Westlake Village

CA

18601

04/20/2004

$1000. 04/27/2004 North American Real Estate Services, Inc.

Westlake Village

CA

18606

04/13/2004

$300.

Elaine Anne Niederquell

Gainesville

GA

18634

04/20/2004

$1000.

A-1 Financial Services, Inc.

Stuart

FL

18653

04/13/2004

$300.

GHA-NI Mortgage Brokers, LLC

Lilburn

GA

18654

04/13/2004

$300.

Golden Age Advisors, LLC

Atlanta

GA

18671

04/13/2004

$300. 04/12/2004 Georgia's Southern Mortgage, Inc.

Atlanta

GA

18691

04/13/2004

$300.

Paul E. Shelton, Jr.

McDonough

GA

18692

04/13/2004

$300. 05/13/2004 Mortgage Lending Solutions, Inc.

Lawrenceville

GA

18695

04/20/2004

$1000.

Bach Consulting, Inc.

Destin

FL

18696

04/09/2004 $ 5,000

Top Choice Mortgage, LLC

Roswell

GA

18696

04/09/2004 $ 5,000

Top Choice Mortgage, LLC

Roswell

GA

18696

04/09/2004

$39000.

Top Choice Mortgage, LLC

Roswell

GA

18696

04/09/2004

$500.

Top Choice Mortgage, LLC

Roswell

GA

18696

04/09/2004

$1000. 05/04/2004 Top Choice Mortgage, LLC

Roswell

GA

18696

04/09/2004

$500.

Top Choice Mortgage, LLC

Roswell

GA

18697

04/13/2004

$300. 05/03/2004 LoanApp, Inc.

San Jose

CA

18698

04/13/2004

$300.

Overflow Mortgage Processing, Inc.

Kennesaw

GA

18703

04/13/2004

$300.

Gary Lorenza Wiggins

Atlanta

GA

18740

04/13/2004

$300. 04/22/2004 Direct Funding, Incorporated

Lilburn

GA

18750

04/13/2004

$300.

Mortgage Land, Inc.

Norcross

GA

18766

04/13/2004

$300. 04/13/2004 Abbynel Rojas

Lilburn

GA

18782

04/13/2004

$300. 04/27/2004 Skyline Capital Mortgage, Inc.

Norcross

GA

18800

04/13/2004

$300.

Tracy Jo Hartness

Cartersville

GA

18801

04/13/2004

$300.

Marie Carr Banerjee

Smyrna

GA

18803

04/13/2004

$300.

Anthony L. Quinn

Duluth

GA

18814

04/13/2004

$300.

Angelyne Collins

Lilburn

GA

18820

04/13/2004

$300.

Monica Mary Strigle

Dawsonville

GA

18872

04/13/2004

$300.

Sharron S. Smith

Tucker

GA

18899

04/13/2004

$300.

Karen Lynn Davis

Tucker

GA

18902

04/13/2004

$300.

Tashan Parks Twyman

Cartersville

GA

18909

04/13/2004

$300. 04/30/2004 Julian Mortgage Corp.

Orlando

FL

FINES ASSESSED IN APRIL 2004

ID#

ISSUE

DATE

FINE

PAID DATE

COMPANY NAME

CITY

ST

18918

04/13/2004

$300.

McCalep & Associates, LLC

Decatur

GA

18951

04/13/2004

$300. 05/05/2004 The Mortgage Depot Center For

East Point

GA

18990

04/13/2004

$300.

Collateral One Mortgage Corporation

Boca Raton

FL

18990

04/20/2004

$1000.

Collateral One Mortgage Corporation

Boca Raton

FL

19016

04/13/2004

$300.

Family Dreams Mortgage, Inc.

Woodstock

GA

19030

04/13/2004

$300. 04/06/2004 Home First Mortgage

Alpharetta

GA

19036

04/13/2004

$300. 05/11/2004 PayRite Mortgage, LLC

Ringgold

GA

19049

04/13/2004

$300.

Ameristate Bancorp, Inc.

Youngstown

OH

19049

04/20/2004

$1000.

Ameristate Bancorp, Inc.

Youngstown

OH

19057

04/13/2004

$300. 04/14/2004 American Dream Mortgage Solutions, Inc.

Stone Mountain

GA

19095

04/13/2004

$300. 05/03/2004 Leroy A. Lester

Lithonia

GA

19097

04/13/2004

$300. 05/11/2004 Structured Mortgage Services, Inc.

MARIETTA

GA

19099

04/13/2004

$300. 04/27/2004 Guaranteed Mortgage Brokers, Inc.

Deerfield

FL

19109

04/13/2004

$300.

Travis Muriel Ragsdale

Carrollton

GA

19116

04/13/2004

$300.

Tyden Mortgage, LLC

Cumming

GA

19134

04/20/2004

$1000.

Financial Resources and Assistance of the

Meredith

NH

19156

04/13/2004

$300. 04/20/2004 PainLess Processing, Inc.

Norcross

GA

FINE REASON

2 Licensees fined for prohibited acts 3 Licensee fined for 1099 employees 5 Licensees fined for books & records 1 Licensee fined for Acq. of 25% ownership without approval 1 Licensee fined for employment of a felon 3 Licensees fined for files not properly maintained 1 Licensee fined for unapproved bran ch manager 1 Licensee fined for failure to notify of an
address change

3 Licensees fined for insufficient funds 385 Licensee fined for renewal filed late 104 Licensee fined for Audit filed late 7 Licensees fine for advertising violation 1 Licensee fined for GAFLA violation 6 Licensees fined for background check
violation 1 Licensee fined for failure to discharge an
employee/dishonest acts