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 14, 2004
UNITED FINANCIAL MORTGAGE CORP.
(Exact Name of Registrant as Specified in Charter)
Illinois 1-14127 36-43440533
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(State or Other Jurisdiction (Commission File Number) (IRS Employer
of Incorporation) Identification No)
815 Commerce Drive, Suite 100
Oak Brook, Illinois 60523
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(Address of principal executive offices)
Registrant's telephone number, including area code: (630) 571-7222
Item 7.01. Regulation FD Disclosure.
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United Financial Mortgage Corp. (the "Company") signed a definitive
agreement on Tuesday, December 14, 2004 to acquire Plus Funding based in
Carlsbad, California. A copy of the Company's press release is attached to
this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein
solely for purposes of this Item 7.01.
The information under Item 7.01 of this Current Report on Form 8-K,
including Exhibit 99.1, is furnished pursuant to Item 7.01 and shall not be
deemed "filed" for the purposes of Section 18 of the Securities Exchange Act
of 1934, as amended (the "Exchange Act"), or otherwise subject to the
liabilities under that Section. Further, the information furnished pursuant
to Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1,
shall not be deemed to be incorporated by reference into the filings of the
Company under the Securities Act of 1933, as amended ,or the Exchange Act.
Forward-Looking Information
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This Current Report on Form 8-K contains, and future oral and written
statements may contain, forward-looking statements within the meaning of
such term in the Private Securities Litigation Reform Act of 1995 with
respect to the Company's business, financial condition, results of
operations, plans, objectives and future performance. Forward-looking
statements, which may be based upon beliefs, expectations and assumptions
of management and on information currently available to management, are
generally identifiable by the use of words such as "believe," "expect,"
"anticipate," "plan," "intend," "estimate," "may," "will," "would," "could,"
"should" or other similar expressions. Additionally, all statements in this
document, including forward-looking statements, speak only as of the date
they are made, and the Company undertakes no obligation to update any
statement in light of new information or future events. A number of
factors, many of which are beyond the ability of the Company to control or
predict, could cause actual results to differ materially from those in its
forward-looking statements, including, among others, changes in demand for
mortgage loans, the Company's access to funding sources and the terms upon
which it can obtain financing, assumptions underlying the value of the
Company's retained mortgage loan-servicing rights, the impact of economic
slowdowns or recessions, management's ability to manage the Company's growth
and planned expansion, difficulties in integrating or operating newly
acquired businesses, competition in the Company's market, changes in
government regulations, the Company's ability to expand origination volume
while reducing overhead, the impact of new legislation or court decisions
restricting the activities of lenders or suppliers of credit in the
Company's market, other risk factors disclosed from time to time in the
Company's filings with the Securities and Exchange Commission and the
inability of the Company to manage the risks associated with the foregoing
as well as anticipated.
These risks and uncertainties should be considered in evaluating
forward-looking statements and undue reliance should not be placed on such
statements. Additional information concerning the Company and its business,
including additional factors that could materially affect the Company's
financial results, is included in the Company's filings with the Securities
and Exchange Commission.
Item 9.01. Financial Statements and Exhibits.
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(c) Exhibits.
Exhibit 99.1 Press release to announce definitive agreement with
Plus Funding.
Signature
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 hereunto duly authorized.
UNITED FINANCIAL MORTGAGE CORP.
By: /s/ Steve Khoshabe
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President and Chief Executive Officer
Date: December 15, 2004
INDEX TO EXHIBITS
Exhibits
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Exhibit 99.1 Press release to announce definitive agreement with
Plus Funding.