Monthly summary of mortgage activities, Apr. 2006

Georgia Department of Banking & Finance

NON-DEPOSITORY FINANCIAL
INSTITUTIONS

Monthly Summary of Mortgage Activities For the Period Ending April 2006

NEWS ITEMS

Inside this issue:

2006 Legislation

1

Renewal Information

1

Wages-Fair Labor Standards Act

2

Website URLs-Fines

2

Branch Managers

3

Administrative Actions

4

Fines & Licenses Revoked, Expired...etc.

9

License Approvals

11

2990 Brandywine Rd. Suite 200
Atlanta, GA 30341 Phone: 770.986.1269
Fax: 770.986.1029

2006

FY 2007

Legislation

Renewal Review

The Department did not

Continues

FY 2007 LICENSE DISTRIBUTION
REMINDER

have a housekeeping bill The FY 2007 open license for the 2006 legislative renewal application period session. However, Sen- ended April 1, 2006. Appli-

NEW LICENSES FOR THE YEAR
WILL BE MAILED OUT BEGINNING
MID TO LATE JUNE 2006.

ate Bill 505 regarding cations are in the process of

changes to Code Section being reviewed, and this re-
7-1-1001 of the Official view will continue through Code of Georgia Anno- June, 2006.

IF YOU DO NOT RECEIVE YOUR
NEW LICENSE BY THE FIRST
WEEK OF JULY, PLEASE

tated, was introduced

CONTACT THE OFFICE.

and was passed by both Any licensee who failed to

houses of the legislature renew their license by the

and currently awaits the April 1 deadline may still

Governor's signature. renew their license on-line.

This bill, amending O.C.G.A Section 7-11001, better known as the "Exemptions.." Section of the Georgia Residential Mortgage Act,

However, the late fee of $300 will be assessed and must be paid, in addition to the appropriate license fee, in order to renew the li-
cense.

This is an option within the standard license application package. All required documentation noted in the application MUST be submitted,

contains

the

following The late

along with the reinstaterenewal period will ment fee of $250, the

provisions:

close June 30, 2006. If a li- license fee for the type

censee does not renew their of license held, and any

"Code of the

Section Official

7-1-1001 Code of

license by the close of busi- outstanding assessed ness on that day, the license fines. The Renewal Appliwill be considered to be ex- cation Form WILL NOT be

Georgia Annotated, re- pired. No new mortgage accepted to reinstate a

lating to exemptions for business may be conducted license.

certain persons from the under an expired license! In

requirement of obtaining a mortgage broker or

order to conduct GRMA business, an expired license will

The renewal website is:

mortgage lender license, have to be reinstated. To is amended by striking reinstate a license after the word "or" at the end June 30, 2006 applicants of paragraph (12); by must complete and submit a

https:// bkgfin.dbf.state.ga.us/
MortgageDocs/ FY2007Renewal.html

Reinstatement Application.

(Continued on page 3)

Continued on Page 2

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 2

Wages Fair Labor Standards Act
On March 31, 2006, the National Association of Mortgage Brokers obtained an opinion from the U. S. Department of Labor regarding the exemption of loan originators from the overtime and minimum wage provisions of the Fair Labor Standards Act.
According to the opinion, issued by Alfred B. Robinson Jr., the Acting Administrator for the U. S. Department of Labor's Wage and Hour Division, loan officers working mainly outside of call centers meet the "sales" requirement for the exemption from the pay rules, and that by meeting clients outside of the employer's place of business in order to initiate sales, such as the clients' homes, the "sales force" loan officers fulfill the "outside" requirement of the exemption.
However, there are two key points to bear in mind for Georgia licensees:
a) The letter opinion included a caveat-- that each sales force loan officer has to be evaluated individually to see if he or she qualifies for the exemption, and;
b) The opinion does not overrule the existing

requirement in Georgia that loan officers working for a licensee must be paid on a W-2 basis in order to maintain their exemption from the licensing requirements under the Georgia Residential Mortgage Act, which prevents licensees, the loan officer's employers, from dealing with "unlicensed" persons.
Licensees are encouraged to read the full text of the letter which is available on the National Mortgage Brokers Association's website at:
www.namb.org/Images/na mb/GovernmentAffairs/DO
LOpinionLetter.pdf

Website URLs & Fines
Remember, all licensees must register their web site domain names with the Department as a d/b/a name if it is different than the name(s) licensed/ registered with the Department.

A website name is a d/b/a

name and as such must be

registered with the

Department pursuant to

the requirements of

O.C.G.A Section 7-1-1006

(d) which states that "No

licensee may conduct

business under any name

other than that designated

in the license." Further,

"advertisement"

as

defined in Department Regulation 80-11-1-.02 (f), means material used or intended to be used to induce the public to apply for a mortgage loan. Web sites are considered advertisements, and as such must contain the following:
1. Company name(s);
2. License number;
3. An office address which conforms with the name, license number, and office address on record with the Department.
4. Contain the words "Georgia Residential Mortgage Licensee" or list Georgia as a state in which the licensee is licensed to do business if the licensee is licensed in more than one state.

Any unregistered d/b/a

name, including a URL,

which comes to the

attention

of

the

Department will subject

the licensee to a minimum

$500 fine. It has also been

noted that many licensees

do not list their Georgia

license number on their

website, or note Georgia as

a state in which they are

licensed or state "Georgia

Residential

Mortgage

Licensee". Each exception

carries a $500 fine.

Understand that fines will

be assessed for failure to

register the name and for

failure to properly

advertise your licensing

status (GRMA) and number.

UPCOMING SPEAKING ENGAGEMENTS
Deputy Commissioner for NDFI Rod Carnes will be speaking to the following organizations:
Savannah Mortgage
Bankers Association, Tuesday May 16, 2006, Savannah, GA.
Georgia Financial
Services Association, Monday, May 22, 2006, Savannah, GA.
Useful Links
MORTGAGE FORMS: CODE, REGULATIONS & APPLICATIONS HTTP://WWW.STATE.GA.U S/MORTGAGE_FORMS.HTML
UPDATING LICENSE INFORMATION HTTP://WWW.STATE.GA. US/DBF/MORTGAGE_FOR MS.HTML#ONLINE
LEGISLATIVE INFORMATION: HTTP:// WWW.LEGIS.GA.GOV/ LEGIS/2005_06/LEG/ LEGISLATION.HTM

Continued on Page 3

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 3

(Continued from page 1)

license, consistent with the pro- SECTION 3.

visions of this article and re- All laws and parts of laws in

striking the symbol "." and in- newable annually; and serting in lieu thereof the symbol and word "; or" at the end of

conflict with this Act are repealed

paragraph (13); and by adding a (iii) The subsidiary has paid ap-

new paragraph (14) to read as plicable fees for this license, This bill can be found on the

follows:

which license fees shall be the lesser of one-half of the sum of

internet at:

the cost of the individual li"(14)(A) A natural person other- censes or $100,000.00.

http://www.legis.ga.gov/ legis/2005_06//versions/
sb505_AP_8.htm

wise required to be licensed,

who is under an exclusive written independent contractor (B) To maintain the exemption, agreement with any person that a natural person must:
is a wholly owned subsidiary of

Branch Managers

a financial holding company or bank holding company, savings bank holding company, or thrift holding company, which subsidiary also meets the following re-

(i) Solicit, process, place, or negotiate a mortgage loan to be made only by the licensed subsidiary or its affiliate; and

There seems to be some misunderstanding regarding what information is required to have proposed branch managers consid-
ered for approval.

quirements, subject to the re-

view and approval of the de- (ii) Be at all times in compliance Each proposed branch or office

partment:

with the provisions and prohibi- manager should submit:

tions of Code Section 7-1-1013 Pages II-1 to II-4 of the Bio-

(i) The subsidiary has provided an undertaking of accountability supported by a surety bond

and the provisions and prohibitions applicable to employees under Code Section 7-1-1004.



graphical Information Section of the Financial Report;
A background check authorization form; and

equal to the lesser of $1 million

A current credit report show-

or $50,000.00 per exempt per- (C) For purposes of this para- ing a satisfactory credit his-

son, to cover all of its persons graph, 'financial holding com- tory.

exempted by this paragraph, pany' shall mean a financial

that includes full and direct financial responsibility for the

holding company as defined in the Bank Holding Company Act

A credit report filed unresolved tax liens,

containing judgments,

mortgage broker activities of of 1956, as amended.

bankruptcies, collection items, or

each such exempted person, and

charged-off credit will cause the

also provides for the education

return of the application for reso-

of the exempt persons, the han- (D) The commissioner shall pro- lution. Slow credit or bankrupt-

dling of consumer complaints vide by rule or regulation for c i e s , w h i c h h a v e n o t

related to the exempt persons, the implementation of this been dismissed, will require satis-

and the supervision of the mort- paragraph."

factory explanation. Tax liens,

gage broker activities of the ex-

judgments, & bankruptcies must

empt persons;

SECTION 2.

be paid/resolved before an application can be accepted for filing.

This Act shall become effective

(ii) for

The and

subsidiary has applied been granted a mort-

on July 1, 2006.

gage broker or mortgage lender

Continued on Page 4

Administrative Actions

For the Period Ending April 2006 Page 4

CEASE AND DESIST ORDERS--ISSUED
Abrams, Eugene, Fort Valley, GA (license no. 20128) Cease and Desist Order issued March 10, 2006 became final on April 9, 2006.
Accent Mortgage Services, Inc, Alpharetta, GA (license no. 6063) Cease and Desist Order issued March 20, 2006 became final on April 16, 2006.
American Multi Financial Services, Inc., Atlanta, GA Cease and Desist Order issued March 14, 2006 became April 14, 2006.
Baker, Wilburt, Lithonia, GA (license no. 6108) Cease and Desist Order issued March 10, 2006 became final on April 9, 2006.
Bell, Hyman Jay, Decatur, GA (license no. 12725) Cease and Desist Order issued March 10, 2006 became final on April 9, 2006.
Certion, Lillie Marie, Lithonia, GA (license no. 20471) Cease and Desist Order issued March 10, 2006 became final on April 9, 2006.
Cherry, Jessie Pearl, Macon, GA (license no. 13620) Cease and Desist Order issued March 20, 2006 became final on April 19, 2006.
Coast 2 Coast Realty Group, Sacramento, CA Cease and Desist Order issued March 30, 2006 became final April 30, 2006.
Cobb, Barry M., Lithonia, GA (license no. 20728) Cease and Desist Order issued March 6, 2006 became final on April 5, 2006.
Danielly, Thomas III, Stone Mountain, GA (license no. 13441) Cease and Desist Order issued March 20, 2006 became final on April 19, 2006.
Davis, Johnny A., Stone Mountain, GA (license no. 20027) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.
Davis, Tremese Calandra, Lithionia, GA (license no. 17067) Cease and Desist Order issued March 10, 2006 became final on April 9, 2006.
Continued on Page 5

Administrative Actions

For the Period Ending April 2006 Page 5

CEASE AND DESIST ORDERS--ISSUED (Continued)
Easy Loan Solutions, Garden Grove, CA Cease and Desist Order issued March 14, 2006 became final April 14, 2006.

Es-Sudan, Jennah, Atlanta, GA (license no. 18053) Cease and Desist Order issued March 20, 2006 became final on April 19, 2006.

Financial Resources & Assistant of the Lakes Region, Inc., Meredith, NH (license no. 19134) Cease and Desist Order issued March 9, 2006 became final April 7, 2006.

Franklin, Leonard Jr., Stone Mountain, GA (license no. 15469) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006

Gamel, William Brian, Alpharetta, GA (license no. 6133) Cease and Desist Order issued March 13, 2006 became final April 12, 2006.

Greber, Joseph, Snellville, GA (license no. 17869) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Haggray, Calvin L., Lithonia, GA (license 11852) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Hardaway, Connie, Alpharetta GA, (license no. 17758) Cease and Desist Order issued March 9, 2006 became final on April 8, 2006.

Irvin, Gail, Lithonia, GA (license no. 15767) Cease and Desist Order issued March 27, 2006 became final on April 26, 2006.

Johnson, Charles, Conyers, GA Cease and Desist Order issued March 21, 2006 became final on April 21, 2006.

Keys, Sheila Tyian, Stone Mountain (license no. 13443) Cease and Desist Order issued March 22, 2006 became final on April 21, 2006.

Lanier, David C., Marietta, GA (license no. 18134) Cease and Desist Order issued March 9, 2006 became final on April 8, 2006.

Living Water Lending, Inc., Garden Grove, CA Cease and Desist Order issued March 7, 2006 became final on April 7, 2006.
Continued on Page 6

Administrative Actions

For the Period Ending April 2006 Page 6

CEASE AND DESIST ORDERS--ISSUED (Continued)
MNA Finance, LLC, Dunwoody, GA Cease and Desist Order issued March 30, 2006 became final on April 30, 2006.

McBain, Patrick O'Brien, Stone Mountain, GA (license no. 15837) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

McClary, Shawn, Atlanta, GA Cease and Desist Order issued December 20, 2004 became final on April 6, 2006.

McDorman, Dewayne P., Snellville, GA (license no. 17000) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Martinez, Manuel Eugenio, Duluth, GA (license no. 19713) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Melvin, Kawana, Atlanta, GA Cease and Desist Order issued December 22, 2004 became final on April 17, 2006.

Moore, Gary Wayne, Marietta, GA (license no. 12029) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

MortgageRates4Less.com, Greenwood Village, CO Cease and Desist Order issued March 14, 2006 became final on April 14, 2006.

NLC of Florida, Inc., Orlando, FL Cease and Desist Order issued March 2, 2006 became final on April 2, 2006.

Norton, Virginia D., Rome, GA (license no. 19259) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Oyedotun, Rebecca (also Fashakis, Rebecca), Alpharetta, GA Cease and Desist Order issued March 22, 2006 became final on April 12, 2006.

Pardue, Israel Leroy, Jr., Lithonia, GA (license no. 7136) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Continued on Page 7

Administrative Actions

For the Period Ending April 2006 Page 7

CEASE AND DESIST ORDERS--ISSUED (Continued)
Peoples-Wisneski, Michele F., Atlanta, GA (license no. 15999) Cease and Desist Order issued March 24, 2006 became final on April 23, 2006.

Polk, Jon J., Moultrie, GA, (license 14350) Cease and Desist Order issued March 13, 2006 became final on April 12, 2006.

Rogers, Yvonne Manning, (license no. 17309) Cease and Desist Order issued March 14, 2006 became final on April 13, 2006.

Roquemore, Sandra, Lithonia, GA - Cease and Desist Order issued July 20, 2005 became final on April 26, 2006.

Ruddock, Margaret, Stone Mountain, GA (license no. 16617) Cease and Desist Order issued March 24, 2006 became final on April 23, 2006.

Santiago, Rafael Jose, Atlanta, GA (license no. 20734) Cease and Desist Order issued March 27, 2006 became final on April 26, 2006.

Scarlett, Elaine A., Kennesaw, GA (license no. 17197) Cease and Desist Order issued March 14, 2006 became final on April 13, 2006.

Shumate, Carolyn, Lithonia, GA (license no. 7270) Cease and Desist Order issued March 14, 2006 became final on April 13, 2006.

Thompson, Edward, Decatur, GA (license 19105) Cease and Desist Order issued March 14, 2006 became final on April 13, 2006.

Timms, Ladonna, Kennesaw, GA (license no. 17476) Cease and Desist Order issued March 27, 2006 became final on April 26, 2006.

Turman, Angela Marie, Thomson, GA (license no. 20341) Cease and Desist Order issued March 14, 2006 became final on April 13, 2006.

Wayne Frier Home Center of Moultrie, Inc., Moultrie, GA (license no. 14737) Cease and Desist Order issued March 3, 2006 became final on April 3, 2006.

Continued on Page 8

Administrative Actions

For the Period Ending March 2006 Page 8

CEASE AND DESIST ORDERS--LIFTED

Fogarty, Pathoumphone Nicole, Kennesaw, GA Cease and Desist Order issued March 22, 2006 was lifted on April 27, 2006.
Martin, Derrick, Grayson, GA -- Cease and Desist Order issued March 22, 2006 was lifted on April 27, 2006.
FINAL CONSENT ORDERS--ISSUED

Fogarty, Pathoumphone Nicole, Kennesaw, GA Consent Order issued April 27, 2006 became final April 27, 2006.
Loan America, Inc., Norcross, GA (license no. 18881) - Consent Order issued April 27, 2006 became final on April 27, 2006.
Martin, Derrick, Grayson, GA -- Consent Order issued April 27, 2006 became final on April 27, 2006.
Roquemore, Sandra, Lithonia, GA -- Consent Order issued April 26, 2006 became final on April 26, 2006.
SUPERIOR COURT INJUNCTIONS
Tibbs, Cheryl, Stone Mountain, GA -- Superior Court Order issued April 19, 2006 became final on April 19, 2006.

Continued on Page 9

Monthly Summary of Mortgage Activities For the Period Ending April 2006
FINE PUBLICATION

Page 9

Information regarding fines assessed against a specific licensee, and against whom there are no pending administrative actions, is available on an individual licensee basis by submitting a written request to the following e-mail address: dbfmort@dbf.state.ga.us

1 Licensee fined for Advertising Violations 1 Licensee fined for Prohibited Acts 1 Licensee fined for Background Check 1 Licensee fined for Books & Records

FINE REASON
1 Licensee fined for Loan files not properly maintained 445 Licensees fined for Renewal filed late
1 Licensee Unapproved Branch Manager 1 Licensee fined Unapproved Branch

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

IN APRIL 2006

ID#

NAME

CODE

REVOKED

EXPIRED

SURRENDERED

WITHDRAWN

DENIED

5657 SE MTG & FINL SVCS

BD

6063 ACCENT MTG SVCS INC

LD

6108 BAKER, WILBURT

BD

6133 GAMEL, WILLIAM BRIAN

BD

7136 PARDUE, LEROY ISRAEL JR

BD

7270 SHUMATE, CAROLYN

BD

11852 HAGGRAY, CALVIN

BD

11963 HOMELINK MTG

BD

12029 MOORE, GARY WAYNE

BD

12725 BELL, HYMAN JAY

BD

13441 DANIELLY, THOMAS III

BD

13443 KEYS, SHELIA T

BD

13620 CHERRY, JESSIE P

BD

13669 First Choice Mortgage Financial Corp.

BD

14015 CENTRAL MTG & INV LLC

BD

14350 POLK, JON J

BD

04-16-2006 04-09-2006 04-12-2006 04-12-2006 04-13-2006
04-12-2006

04-13-2006 04-06-2006

04-12-2006 04-09-2006 04-19-2006 04-21-2006 04-19-2006
04-12-2006

04-19-2006 04-25-2006

Continued on Page 10

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 10

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

IN APRIL 2006

ID#

NAME

CODE REVOKED

EXPIRED

SURRENDERED

WITHDRAWN DENIED

14683 1ST CITY MTG INC

LD

14737 WAYNE FRIER HM CTR MOULTR

BD

15469 FRANKLIN, LEONARD JR

BD

04-03-2006 04-12-2006

15767 IRVIN, GAIL

BD

04-26-2006

15837 MCBAIN, PATRICK OBRIEN

BD

04-12-2006

15999 PEOPLES-WISNESKI, M.

BD

04-23-2006

16617 RUDDOCK, MARGARET

BD

04-23-2006

17000 MCDORMAN, DWAYNE P

BD

04-12-2006

17067 DAVIS, TREMESE CALANDRA

BD

17197 SCARLETT, ELAINE A

BD

04-09-2006 04-13-2006

17299 MILLENNIUM GRP INC

BD 04-06-2006

17309 ROGERS, YVONNE MANNING

BD

17312 FENNER, CARL M

BD

04-13-2006

17476 TIMMS LADONNA

BD

04-26-2006

17758 HARDAWAY, CONNIE

BD

04-08-2006

17869 GREBER, JOSEPH

BD

04-12-2006

17997 HOMETOWN EQUITY MTG ST LO

BD

18053 ES-SUDAN, JENNAH

BD

04-19-2006

18134 LANIER, DAVID C

BD

04-08-2006

19105 THOMPSON, EDWARD

BD

04-13-2006

19134 FINL RESOURCES & ASST INC

BD

19259 NORTON, VIRGINIA D

BD

04-07-2006 04-12-2006

19713 MARTINEZ, MANUEL E

BD

04-12-2006

20027 DAVIS, JOHNNY ALBERT

BD

04-12-2006

20096 QUOTEMEARATE COM INC

LD

20128 ABRAMS, EUGENE

BD

04-09-2006

04-04-2006
04-20-2006 04-07-2006 04-19-2006

Continued on Page 11

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 11

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

IN APRIL 2006

ID#

NAME

CODE REVOKED

EXPIRED

SURRENDERED

WITHDRAWN DENIED

20280 ALLISON INS & MTG LLC

BD

20330 STONEQUEST MTG INC

BD

20341 TURMAN, ANGELA MARIE

BD

20471 CERTION, LILLIE MARIE

BD

20728 COBB, BARRY M

BD

20734 SANTIAGO, RAFAEL JOSE

BD

21244 Home Solutions Lending Cor-

poration

BD

TOTAL: 49

04-13-2006 04-09-2006 04-05-2006 04-26-2006

04-04-2006 04-25-2006
04-14-2006

ID# 21035 21077 21084 21092 21100 21118 21155 21177 21198 21199 21203 21206 21219 21230 21231 21240 21249 21253

LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2006

COMPANY NAME Rhonda Sharlene Hunter

CITY KENNESAW

MB

ST CODE

GA

B

ORIGINAL
APPROVAL 04-07-2006

RENEWAL 04-07-2006

R&J Capital Group, LLD

FOREST HILLS

NY

B

04-07-2006 04-07-2006

Dynamic Mortgage, Ltd.

WESTBURY

NY

L

04-07-2006 04-07-2006

Atlantic Mortgage Loans, inc.

PACIFIC

MO B

04-07-2006 04-07-2006

Vision One Finance Corporation

BROOKLYN PARK MN

B

04-07-2006 04-07-2006

Infinity Mortgage Solutions, Inc.

RIVERDALE

GA

B

04-07-2006 04-07-2006

Pamela Lenore Stephen-Williams COLUMBUS

GA

B

04-07-2006 04-07-2006

Atlantic Home Loans, Inc.

PARSIPPANY

NJ

L

04-07-2006 04-07-2006

UMTH Lending Company, LP

RICHARDSON

TX

L

04-07-2006 04-07-2006

CSI, Century Services, Inc.

DECATUR

GA

B

04-07-2006 04-07-2006

Omni Home Financial, Inc.

SAN CLEMENTE

CA

B

04-07-2006 04-07-2006

Danita Gibson-Lloyd

COLUMBUS

GA

B

04-07-2006 04-07-2006

The Oasis Group, LLC (FL)

CLEARWATER

FL

B

04-07-2006 04-07-2006

Paul Garrett Harden, Jr.

ATLANTA

GA

B

04-07-2006 04-07-2006

Sidney James Waller

COLUMBUS

GA

B

04-07-2006 04-07-2006

Winston Albert Brown

COLUMBUS

GA

B

04-07-2006 04-07-2006

Blue Chip Mg Wholesale, LLC

LANTANA

FL

L

04-07-2006 04-07-2006

West Coast Servicing, Inc.

HUNTINGTON BEA CA

L

04-07-2006 04-07-2006

REINSTATED

Continued on Page 12

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 12

ID#

COMPANY NAME

CITY

ST

21258 Sound Mortgage Solutions, Inc.

JACKSONVILLE

FL

21260 Randall B. Neal

SUMMERVILLE

GA

21264 Inman Park Mortgage

ATLANTA

GA

21265 Patricia Thornton Binion

DECATUR

GA

21271 Tarnaz Lee Greene

LITHONIA

GA

21275 Residential Mortgage Svcs, Inc.

DULUTH

GA

21276 Lonnie Ray Litton

DULUTH

GA

21279 Capital Mortgage Group, Inc.

DACULA

GA

21281 Mortgage Source of Georgia, Inc. DACULA

GA

21300 HomeQuest Financial, Inc.

NEWNAN

GA

21306 First Rate Financial, Inc.

MAPLE GROVE

MN

21307 Coral Mortgage Corp.

ENGLEWOOD

NJ

21321 Bridgewater Funding, LLC

ISLIP

NY

21322 Alfonso Jose Acune

WARNER ROBINS GA

21324 Sunset Intl Mtg, Incorporated

ORLANDO

FL

21355 Hollander Financial Holding, Inc. UPLAND

CA

15317 Heathrow Funding, Inc. *

ALPHARETTA

GA

18294 Landon Mortgage, Inc. *

NORCROSS

GA

20214 Schneider, Zoe & Assoc, Inc. *

MACON

GA

21061 Smartloanlender.com, Inc. *

DECATUR

GA

20924 Mason McDuffie Mtg Corporation SAN RAMON

CA

20973 Guaranteed Rate, Inc.

CHICAGO

IL

21078 United Pacific Mtg Co., Inc.

WOODLAND HILLS CA

21187 Gulfshore Capital, LLC

FORT MYERS

FL

21250 L & H Management Grp, Inc.

HIALEAH

FL

21251 Greater United Home Funding,

ORLANDO

FL

Inc.

21280 RTL Financial, Inc.

BELLEVUE

WA

21318 Mar Ray Financial Group, Inc.

LOCUST GROVE

GA

21325 Fountain Bridge Mtg Corporation SMYRNA

GA

21337 Ultimate Financial Investment, LLC POWDER

GA

SPRINGS

21358 Financial Vue, Inc.

ATLANTA

GA

21362 Horizon Financial Group, Inc.

LITHONIA

GA

21363 Home Loan Consultants, Inc. (CA) DEL MAR

CA

21366 Lanier Lending, LLC

WOODSTOCK

GA

21373 Union Capital Mortgage (Co.)

BRAINTREE

MA

21374 Matthew Cyle Gulley

DULUTH

GA

21221 Financial Solutions, Inc. (Maryland)
21266 Zandra Tahanna Bell

SUGAR HILL

GA

COVINGTON

GA

21335 Investment Capital Solutions, LLC ATLANTA

GA

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

ORIGINAL APPROVAL
04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 06-09-2000 04-18-2003 04-012005 01-20-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006
04-14-2006 04-14-2006 04-14-2006 04-14-2006
04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-21-2006
04-21-2006 04-21-2006

RENEWAL
04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-07-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006
04-14-2006 04-14-2006 04-14-2006 04-14-2006
04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-14-2006 04-21-2006
04-21-2006 04-21-2006

REIN-

Continued on Page 13

Monthly Summary of Mortgage Activities For the Period Ending April 2006

Page 13

ID#

COMPANY NAME

CITY

21353 American Heritage Mtg Grp, LLC 21364 Georgia Integrity Mtg Group, LLC 21368 Interfirst Financial Services, Inc. 21369 FirstMac Corporation 21370 East Coast Capital Corp. 16614 Universal Mortgage Corporation 21242 Linden Residential Credit Corp. 21308 Proquest Mortgage, LLC 21351 Wayne Frederick Hill, Jr. 21352 Creekside Mortgage, LLC 21361 APMB Mortgage, Inc. 21372 Custom Mortgage Corp. (MD) 21376 Christopher Michael Keene 21379 Bryan D. Walker 21395 Loanstars, LLC (Colorado) 21396 Eagle Eye Mortgage, Inc. 21399 Ascent Home Loans, Inc. 21417 Gateway Residential Finance, LLC 21430 Bradford Mortgage Company, LLC 21442 Dennis Francis Eckie 21448 The Mortgage Advisory Grp, LLC 14705 Service 1st Mortgage, Inc.
TOTAL: 79

TAMPA MARIETTA SUWANEE CORDOVA SYOSSET MEQUON MELVILLE SWANSEA MACON BALL GROUND ORLANDO BALTIMORE OLGETHORPE DECATUR BOULDER JONESBORO ENGLEWOOD ADAIRSVILLE WINSTON SALEM KENNESAW MARIETTA GLEN BURNIE

MB ST CODE

FL

L

GA

B

GA

L

TN

L

NY

L

WI

L

Y

B

IL

L

GA

B

GA

B

FL

B

MD

L

GA

B

GA

B

CO

B

GA

B

CO

L

GA

B

NC

L

GA

B

GA

B

MD

B

ORIGINAL APPROVAL
04-21-2006 04-21-2006 04-21-2006 04-21-2006 04-21-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 05-28-1999

RENEWAL
04-21-2006 04-21-2006 04-21-2006 04-21-2006 04-21-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-28-2006 04-21-2006

REIN04-21-2006

MB CODES B = BROKER L = LENDER R = REGISTRANT

*

Upgrade Broker to Lender

+

Downgrade Lender to Broker

#

Upgrade Lender to Registrant



Downgrade Registrant to Lender

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