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