EXHIBIT 10.37


                               AMENDMENT NO. 8 TO
           EARLY PURCHASE PROGRAM ADDENDUM TO LOAN PURCHASE AGREEMENT

This  Amendment  No. 8 TO  EARLY  PURCHASE  PROGRAM  ADDENDUM  TO LOAN  PURCHASE
AGREEMENT (the  "Amendment") is made and entered into as of November 22, 2004 by
and between  Countrywide Home Loans, Inc.  ("Countrywide")  and United Financial
Mortgage,  Corp.  ("Seller").  This Amendment amends that certain Early Purchase
Program  Addendum to Loan  Purchase  Agreement  by and between  Countrywide  and
Seller dated as of April 23, 2003 (the "EPP Addendum"),  which such EPP Addendum
supplements that certain Loan Purchase Agreement by and between  Countrywide and
Seller dated as of February 7, 2001 (including all the Commitments,  Amendments,
Addenda, Assignments of Trade and Assignments thereto,  collectively,  the "Loan
Purchase Agreement").

                                 R E C I T A L S

      Countrywide  and Seller  have  previously  entered  into the EPP  Addendum
      pursuant to which Seller may sell certain  loans to  Countrywide  prior to
      delivery of certain mortgage loan documents. Countrywide and Seller hereby
      agree that the EPP Addendum shall be amended as provided herein.

In consideration of the mutual promises contained herein, and for other good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, Countrywide and Seller hereby agree as follows:

1.    Exhibit A - EPP Loans.  Countrywide  and Seller agree that SRP Enhancement
      for Loan Product or Type  Conventional  Conforming  (1st  mortgages  only)
      located in Exhibit A of the EPP Addendum shall be amended to be 1.00%.

2.    No Other Amendments.  Other than as expressly modified and amended herein,
      the EPP Addendum and Loan  Purchase  Agreement  shall remain in full force
      and effect and  nothing  herein  shall  affect the rights and  remedies of
      Countrywide   as  provided  under  the  EPP  Addendum  and  Loan  Purchase
      Agreement.

3.    Capitalized  Terms.  Any  capitalized  term used herein and not  otherwise
      defined  herein  shall have the  meaning  ascribed to such term in the EPP
      Addendum or Loan Purchase Agreement, as applicable.

4.    Facsimiles.  Facsimile signatures shall be deemed valid and binding to the
      same extent as the original.

IN WITNESS WHEREOF,  Countrywide and Seller have caused their names to be signed
hereto by their  respective  officers  thereunto duly  authorized as of the date
first written above.

COUNTRYWIDE HOME LOANS, INC.                   UNITED FINANCIAL MORTGAGE, CORP.

By:   _________________________                By:   __________________________
      Signature                                      Signature

Name:                                          Name:

Title:                                         Title: