UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) December 16, 2003 UNITED FINANCIAL MORTGAGE CORP. ------------------------------------------------------ (Exact name of registrant as specified in its charter) ILLINOIS 001-14127 36-3440533 ------------------------------- ----------- ------------------- (State or other jurisdiction of (Commission (IRS Employer incorporation) File Number) Identification No.) 815 Commerce Drive, Suite 100, Oak Brook, Illinois 60523 --------------------------------------------------------- (Address of principal executive offices) Registrant's telephone number, including area code: (630) 571-7222 Not Applicable -------------------------------------------------------------- (Former name or former address, if changed since last report.) Item 12. Results of Operation and Financial Condition. On December 16, 2003, United Financial Mortgage Corp. (the "Company") issued a press release regarding the Company's earnings for the quarter and six months ended October 31, 2003. A copy of the press release is attached hereto as Exhibit 99.1. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereto duly authorized. United Financial Mortgage Corp. December 16, 2003 /s/ Steve Y. Khoshabe ------------------------------------- Steve Y. Khoshabe President and Chief Executive Officer