Letter Agreement dated November 27, 2023, amending the Amended and Restated Master Repurchase Agreement between HomeAmerican Mortgage Corporation and U.S. Bank National Association, as a Buyer and Administrative Agent, to replace the Termination Date reference of May 16, 2024 with May 15, 2024

November 27, 2023

HomeAmerican Mortgage Corporation

4350 S. Monaco Street

Suite 200

Denver, CO 80237

Ladies and Gentlemen:

We refer to the Amended and Restated Master Repurchase Agreement dated as of September 16, 2016 (as amended by that certain First Amendment to Amended and Restated Master Repurchase Agreement dated as of August 10, 2017, that certain Second Amendment to Amended and Restated Master Repurchase Agreement dated as of August 9, 2018, that certain Third Amendment to Amended and Restated Master Repurchase Agreement dated as of May 23, 2019, that certain Fourth Amendment to Amended and Restated Master Repurchase Agreement dated as of May 21, 2020, that certain Fifth Amendment to Amended and Restated Master Repurchase Agreement dated as of September 24, 2020, that certain Sixth Amendment to Amended and Restated Master Repurchase Agreement dated as of March 25, 2021, that certain Seventh Amendment to Amended and Restated Master Repurchase Agreement dated as of May 20, 2021, that certain Eighth Amendment to Amended and Restated Master Repurchase Agreement dated as of December 21, 2021, that certain Ninth Amendment to Amended and Restated Master Repurchase Agreement dated as of May 19, 2022, that certain Tenth Amendment to Amended and Restated Master Repurchase Agreement dated as of May 18, 2023 and as further amended, restated, or otherwise modified from time to time, the “Repurchase Agreement”), by and between HomeAmerican Mortgage Corporation (the “Company”), the Buyers party thereto, and U.S. Bank National Association (“U.S. Bank”), as a Buyer and administrative agent for the Buyers. Unless otherwise defined herein, capitalized terms used herein shall have the meanings given thereto in the Amendment.

The Termination Date is amended by replacing the reference to “May 16, 2024” with “May 15, 2024”.

This Agreement is governed by, and construed under the laws of, the State of New York and shall become immediately effective upon the execution hereof by both parties hereto. The parties agree that the Repurchase Agreement between the parties hereto remains in full force and effect and shall not be affected by this Agreement except as specifically provided herein.

This Agreement may be executed in counterparts, each of which when so executed shall be deemed to be an original, and all of which when taken together shall constitute one and the same agreement.

Very truly yours,

                            U.S. BANK NATIONAL ASSOCIATION

By:     /s/ Rodney S. Davis         
Name: Rodney S. Davis
Title: Senior Vice President

ACCEPTED AND AGREED TO AS OF

THE DATE FIRST WRITTEN ABOVE

HOMEAMERICAN MORTGAGE CORPORATION,

By:     /s/ Clare E. Wilson         
Name: Clare Wilson    
Title: Vice President, Treasurer