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<font style="font-weight: normal; font-style: normal">As
filed with the Securities and Exchange Commission on April 5,
2005</font>
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333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p>
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<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: center; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">UNITED
STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C.
20549</p>
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<p style="font-family:serif;font-weight:bold;color:#000000;font-size:12pt;  width: 456pt; text-align: center; font-style: normal; line-height: 14pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">REGISTRATION
STATEMENT<br> UNDER THE SECURITIES ACT OF 1933</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:18pt;  width: 456pt; text-align: center; font-style: normal; line-height: 20pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">MortgageIT Holdings, Inc.</p>
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<font style="font-weight: normal; font-style: normal">(exact name of registrant as specified in its
charter)</font>
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<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="center" valign="bottom" colspan="3">20-0947002</td>
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other jurisdiction of<br>incorporation or
organization)</td>
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<td style="font-family: serif; font-size: 8pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="center" valign="top" colspan="3">(IRS
Employer Identification No.)</td>
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<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: center; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">33 Maiden Lane<br>
New York, New York 10038<br> (212) 651-7700</p>
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<font style="font-weight: normal; font-style: normal">(Address, including zip code, and telephone
number,<br> including area code, of registrant's principal
executive offices)</font>
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PLAN<br>
<font style="font-weight: normal; font-style: normal">(Full Title of the Plan)</font>
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<td><img src="spacer.gif" height="1" width="8"></td>
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<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="center" valign="top" colspan="3"><b>Doug
W. Naidus<br> Chairman of the Board and<br> Chief Executive
Officer<br> MortgageIT Holdings, Inc.<br> 33 Maiden Lane<br> New
York, New York 10038<br> (212) 651-7700</b>
<br>
<font style="font-weight: normal; font-style: normal"><font style="font-size: 8pt;">(Address, including zip code, and telephone number,
including area code, of registrant's agent for
service)</font></font></td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="center" valign="t" colspan="3">Copies to:<br>
<b>Norman B. Antin,
Esq.<br> Jeffrey D. Haas, Esq.<br> Lloyd H. Spencer, Esq.<br> Patton
Boggs LLP<br> 2550 M Street, N.W.<br> Washington, DC 20037<br> (202)
457-6000</b></td>
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<td style="font-family: serif; font-size: NaNpt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="center" valign="bottom" colspan="3">Title
of each Class of<br> Securities to be Registered</td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: NaNpt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="center" valign="bottom" colspan="3">Amount to
be<br> Registered <sup>(1)</sup></td>
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<td style="font-family: serif; font-size: NaNpt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="center" valign="bottom" colspan="3">Proposed<br> Maximum
Offering<br> Price Per Share <sup>(2)</sup></td>
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<td style="font-family: serif; font-size: NaNpt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="center" valign="bottom" colspan="3">Proposed<br>
Maximum Aggregate<br> Offering Price <sup>(3)</sup></td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: NaNpt; color: #000000; font-weight: bold; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="center" valign="bottom" colspan="3">Amount
of<br> Registration Fee</td>
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<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-left: 10pt; text-indent: -10pt;padding-top: 0pt" align="left" valign="bottom" colspan="3">Common Stock, $.01 par
value per
share</td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="right" valign="bottom" colspan="1">&nbsp;</td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal;  font-style: normal;  border-bottom: 1px solid #000000 ; padding-left: 0pt; text-indent: 0pt;  padding-top: 0pt" align="right" valign="bottom" colspan="1" nowrap="nowrap"><font style="background-color: #ffffff;">150,000</font></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal;     border-bottom: 1px solid #000000; padding-top: 0pt " align="left" valign="bottom" nowrap="nowrap">&nbsp;</td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="right" valign="bottom" colspan="1">$</td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal;  font-style: normal;  border-bottom: 1px solid #000000 ; padding-left: 0pt; text-indent: 0pt;  padding-top: 0pt" align="right" valign="bottom" colspan="1" nowrap="nowrap"><font style="background-color: #ffffff;">15.88</font></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal;     border-bottom: 1px solid #000000; padding-top: 0pt " align="left" valign="bottom" nowrap="nowrap">&nbsp;</td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="right" valign="bottom" colspan="1">$</td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal;  font-style: normal;  border-bottom: 1px solid #000000 ; padding-left: 0pt; text-indent: 0pt;  padding-top: 0pt" align="right" valign="bottom" colspan="1" nowrap="nowrap"><font style="background-color: #ffffff;">2,382,000</font></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal;     border-bottom: 1px solid #000000; padding-top: 0pt " align="left" valign="bottom" nowrap="nowrap">&nbsp;</td>
<td style="border-bottom: 1px solid #000000"><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-top: 0pt" align="right" valign="bottom" colspan="1">$</td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal;  font-style: normal;  border-bottom: 1px solid #000000 ; padding-left: 0pt; text-indent: 0pt;  padding-top: 0pt" align="right" valign="bottom" colspan="1" nowrap="nowrap"><font style="background-color: #ffffff;">280.37</font></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal;     border-bottom: 1px solid #000000; padding-top: 0pt " align="left" valign="bottom" nowrap="nowrap">&nbsp;</td>
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<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-left: 0pt; text-align: left">(1)</td>
<td align="left" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-bottom: 6pt;">Estimated
maximum aggregate number of shares of MortgageIT Holdings, Inc. common
stock purchasable with employee and employer contributions under the
MortgageIT, Inc. 401(k) Plan during the next 36 months. In addition,
pursuant to Rule 416 of the Securities Act of 1933 (the
"Securities Act"), this Registration
Statement shall also cover an indeterminate amount of interests to be
offered or sold pursuant to the employee benefit plan described above
as well as an indeterminate number of additional shares of MortgageIT
Holdings, Inc. common stock that become issuable under the plan by
reason of any stock splits, stock dividends or similar
transactions.</td>
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<td><img src="spacer.gif" height="1" width="23"></td>
<td><img src="spacer.gif" height="1" width="602"></td>
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<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-left: 0pt; text-align: left">(2)</td>
<td align="left" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-bottom: 6pt;">Calculated pursuant
to Rule  457(h)(1) and (c) under the Securities Act on the basis
of $15.88 per share, which was the average of the high and low prices
of the MortgageIT Holdings, Inc. common stock as quoted on the New York
Stock Exchange on March 31, 2005.</td>
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<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-left: 0pt; text-align: left">(3)</td>
<td align="left" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-bottom: 6pt;">Estimated solely for the purpose of
calculating the registration
fee.</td>
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<td align="left" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-bottom: 6pt;">&nbsp;&nbsp;&nbsp;</td>
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<br>






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<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">PART
I.&nbsp;&nbsp;&nbsp;&nbsp;INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 0pt; background-color: #ffffff">
<b>ITEMS 1 &amp; 2.</b>&nbsp;&nbsp;&nbsp;&nbsp;The documents containing the
information for the MortgageIT, Inc. 401(k) Plan (the
"Plan") required by Part I of the
Registration Statement will be sent or given to the participants in the
Plan as specified by Rule 428(b)(1). Such documents constitute,
together with the documents incorporated by reference into the
Registration Statement pursuant to Item 3 of Part II of the
Registration Statement, a prospectus that meets the requirements of
Section 10(a) of the Securities Act.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">PART II.&nbsp;&nbsp;&nbsp;&nbsp;INFORMATION
REQUIRED IN THE REGISTRATION STATEMENT</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM
3.&nbsp;&nbsp;&nbsp;&nbsp;INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The
following documents filed or to be filed with the Securities and
Exchange Commission (the "Commission") are
incorporated by reference in this Registration Statement:</p>
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<td><img src="spacer.gif" height="1" width="543"></td>
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<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(a)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">The Registrant's Form 10-K for the
fiscal year ended on December 31, 2004 filed with the Commission on
March 31, 2005.</td>
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<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
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<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(b)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">The Registrant's
Forms 8-K filed with the Commission on February 15, 2005 and March 25,
2005.</td>
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<tr>
<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(c)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">All documents filed by the
Registrant and the Plan pursuant to Section 13(a), 13(c), 14, or 15(d)
of the Securities Exchange Act of 1934, as amended (the
"Exchange Act") after the date hereof and
prior to the filing of a post-effective amendment which deregisters all
securities then remaining unsold.</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(d)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">The
description of Registrant's Common Stock contained in
Registrant's Registration Statement on Form S-11 (File No.
333-113825), as originally filed on March 22, 2004, pursuant to Section
5 of the Securities Act.</td>
</tr>
</table>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">ANY STATEMENT CONTAINED IN THIS
REGISTRATION STATEMENT, OR IN A DOCUMENT INCORPORATED OR DEEMED TO BE
INCORPORATED BY REFERENCE HEREIN, SHALL BE DEEMED TO BE MODIFIED OR
SUPERSEDED FOR PURPOSES OF THIS REGISTRATION STATEMENT TO THE EXTENT
THAT A STATEMENT CONTAINED HEREIN, OR IN ANY OTHER SUBSEQUENTLY FILED
DOCUMENT WHICH ALSO IS INCORPORATED OR DEEMED TO BE INCORPORATED BY
REFERENCE HEREIN, MODIFIES OR SUPERSEDES SUCH STATEMENT. ANY SUCH
STATEMENT SO MODIFIED OR SUPERSEDED SHALL NOT BE DEEMED, EXCEPT AS SO
MODIFIED OR SUPERSEDED, TO CONSTITUTE A PART OF THIS REGISTRATION
STATEMENT.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM 4.&nbsp;&nbsp;&nbsp;&nbsp;DESCRIPTION OF SECURITIES</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">A
description of Registrant's Common Stock is contained in
Registrant's Registration Statement on Form S-11 (File No.
333-113825), as originally filed on March 22, 2004, pursuant to Section
5 of the Securities Act.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM 5.&nbsp;&nbsp;&nbsp;&nbsp;INTERESTS OF NAMED
EXPERTS AND COUNSEL</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">Certain legal matters with respect to
legality of the common stock registered hereby will be passed upon for
the Registrant by Patton Boggs LLP. As of the date of this Registration
Statement, certain partners of Patton Boggs LLP owned approximately
23,300 shares of the Registrant's common stock.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM
6.&nbsp;&nbsp;&nbsp;&nbsp; INDEMNIFICATION OF DIRECTORS AND OFFICERS</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">In
accordance with Section 2-405.2 and Section 2-408 of the Maryland
General Corporation Law, Article VIII of the Articles of Amendment and
Restatement of the Registrant provides as follows:</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The
Corporation shall indemnify, in the manner and to the fullest extent
permitted by law, any person (or the estate of any person) who is or
was a party to, or is threatened to be made a party to, </p>
<br>
<hr width="760" style="padding-left: 0pt;" align="left">
<br>
<page>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: pt; background-color: #ffffff">
any threatened, pending or completed action,
suit or proceeding, whether or not by or in the right of the
Corporation, and whether civil, criminal, administrative, investigative
or otherwise, by reason of the fact that such person is or was a
director or officer of the Corporation, or such director or officer is
or was serving at the request of the Corporation as a director,
officer, agent, trustee, partner or employee of another corporation,
partnership, joint venture, limited liability company, trust, real
estate investment trust, employee benefit plan or other enterprise. To
the fullest extent permitted by law, the indemnification provided
herein shall include expenses (including attorneys' fees),
judgments, fines and amounts paid in settlement and any such expenses
may be paid by the Corporation in advance of the final disposition of
such action, suit or proceeding. The Corporation shall indemnify other
employees and agents to such extent as shall be authorized by the Board
of Directors or the Corporation's Bylaws and be permitted by law.
Any repeal or modification of this Section by the stockholders of the
Corporation shall be prospective only, and shall not adversely affect
any right to indemnification or advancement of expenses hereunder
existing at the time of such repeal or modification.</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The
Corporation may, to the fullest extent permitted by law, purchase and
maintain insurance on behalf of any person described in the preceding
paragraph against any liability which may be asserted against such
person.</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The indemnification provided herein shall not be deemed
to limit the right of the Corporation to indemnify any other person for
any such expenses to the fullest extent permitted by law, nor shall it
be deemed exclusive of any other rights to which any person seeking
indemnification from the Corporation may be entitled under any
agreement, vote of stockholders or disinterested directors, or
otherwise, both as to action in such persons official capacity and as
to action in another capacity while holding such office.</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">To the
fullest extent permitted by statutory or decisional law of the State of
Maryland, as amended or interpreted from time to time, no director or
officer of the Corporation shall be personally liable to the
Corporation or its stockholders, or any of them, for money damages. No
amendment of the Articles of Incorporation of the Corporation or repeal
of any of its provisions shall limit or eliminate the benefits provided
to directors and officers under this provision with respect to any act
or omission which occurred prior to such amendment or repeal.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM 7.&nbsp;&nbsp;&nbsp;&nbsp;EXEMPTION FROM REGISTRATION CLAIMED</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">Not
applicable.</p>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM 8.&nbsp;&nbsp;&nbsp;&nbsp;EXHIBITS</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The following
exhibits are filed with or incorporated by reference into this
Registration Statement on Form S-8 (numbering corresponds generally to
Exhibit Table in Item 601 of Regulation S-K):</p>
<img src="spacer.gif" height="10" width="1"><br>
<div style="border: 1px; width: 602px; padding-top: 12px" align="center">
<table cellpadding="0" cellspacing="0" border="0" width="602" bgcolor="#ffffff">
<tr>
<!--col #: 1 / width: 48 / data-type: text-->
<td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="48"></td>
<td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="8"></td>
<!--col #: 2 / width: 544 / data-type: text--><td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="544"></td>
<td><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">4.1</td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Stock
Certificate of MortgageIT Holdings, Inc.<sup>(1)</sup></td>
</tr>
<tr>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">5.1</td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Opinion of Patton Boggs LLP, Washington D.C., as
to the legality of Common Stock registered hereby</td>
</tr>
<tr>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">23.1</td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Consent of Patton Boggs LLP (included in Exhibit
5.1)</td>
</tr>
<tr>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">23.2</td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Consent of BDO Seidman,
LLP</td>
</tr>
<tr>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">24</td>
<td style="padding-top: 0pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 10pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Power of Attorney is located on the
signature
pages</td>
</tr>
<tr>
<td><img src="spacer.gif" height="10" width="1"></td>
</tr>
</table>
</div>
<!--0-->
<table border="0" cellpadding="0" cellspacing="0" width="602">
<tr>
<td><img src="spacer.gif" width="1" height="8"></td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1"><img src="spacer.gif" height="1" width="78"></td>
<td><img src="spacer.gif" height="1" width="524"></td>
</tr>
<tr>
<td><img src="spacer.gif" height="8" width="1"></td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="23"></td>
<td><img src="spacer.gif" height="1" width="602"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-left: 0pt; text-align: left"><sup>(1)</sup></td>
<td align="left" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt;  padding-bottom: 6pt;">Incorporated
herein by reference from Exhibit 4.1 contained in the Registration
Statement on Form S-11 (File No. 333-113825), as originally filed with
the Commission on March 22, 2004.</td>
</tr>
</table>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The Registrant has
submitted the Plan and will submit any amendments thereto to the
Internal Revenue Service ("IRS") in a timely
manner for a determination as to the qualification of the Plan under
Section 401(a) of the Internal Revenue Code of 1986, as amended and
will cause all changes required by the IRS to be made to maintain the
qualification of the Plan, if any.</p>
<br>
<hr width="760" style="padding-left: 0pt;" align="left">
<br>
<page>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">ITEM 9.&nbsp;&nbsp;&nbsp;&nbsp;UNDERTAKINGS</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">The
undersigned Registrant hereby undertakes:</p>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">(1)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">To file, during any period in which
offers or sales of securities are being made, a post-effective
amendment to this Registration Statement:</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(i)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">To include any prospectus required by
Section 10(a)(3) of the Securities Act;</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(ii)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">To reflect in the prospectus any facts or
events arising after the effective date of the Registration Statement
(or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the
information set forth in the Registration Statement. Notwithstanding
the foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed that
which was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in the
aggregate, the changes in volume and price represent no more than a 20
percent change in the maximum aggregate offering price set forth in the
"Calculation of Registration Fee" table in
the effective registration statement;</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="59"></td>
<td><img src="spacer.gif" height="1" width="543"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 20pt; text-align: left;  font-style: normal; width: 45pt">(iii)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 411pt">To include any material information with
respect to the plan of distribution not previously disclosed in the
Registration Statement or any material change to such information in
the Registration Statement;</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">unless
the information required by (i) and (ii) is contained in periodic
reports filed by the Registrant pursuant to Section 13 or 15(d) of the
Exchange Act that are incorporated by reference into this Registration
Statement.</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">(2)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">That, for the purpose
of determining any liability under the Securities Act, each
post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering
of such securities at that time shall be deemed to be the initial bona
fide offering thereof.</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">(3)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">To remove
from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of
the offering.</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">(4)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">That, for purposes
of determining any liability under the Securities Act, each filing of
the Registrant's or the Plan's annual report pursuant to
Section 13(a) or Section 15(d) of the Exchange Act that is incorporated
by reference in the Registration Statement shall be deemed to be a new
Registration Statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.</td>
</tr>
</table>
<table cellpadding="0" cellspacing="0" border="0" width="602">
<tr>
<td><img src="spacer.gif" height="1" width="28"></td>
<td><img src="spacer.gif" height="1" width="574"></td>
</tr>
<tr>
<td align="right" valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top: 6pt; padding-left: 0pt; text-align: left;  font-style: normal; width: 21pt">(5)&nbsp;</td>
<td valign="top" style="font-family:serif;font-weight:normal;color:#000000;font-size: 10pt; padding-top:6pt; padding-bottom: 6pt; text-align: left; font-style: normal; width: 435pt">Insofar as indemnification for
liabilities arising under the Securities Act may be permitted to
directors, officers and controlling persons of the Registrant pursuant
to the foregoing provisions, or otherwise, the Registrant has been
advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the Securities Act and is,
therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of
expenses incurred or paid by a director, officer or controlling person
of the Registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person
in connection with the securities being registered, the Registrant
will, unless in the opinion of its counsel the matter has been settled
by controlling precedent, submit to a court of appropriate jurisdiction
the question whether such indemnification by it is against public
policy as expressed in the Securities Act and will be governed by the
final adjudication of such issue.</td>
</tr>
</table>
<br>
<hr width="760" style="padding-left: 0pt;" align="left">
<br>






<page>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: center; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">SIGNATURES</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 11pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">Pursuant to the requirements of the Securities Act of 1933,
the trustee (or other persons who administer the employee benefit plan)
has duly caused this Registration Statement on Form S-8 to be signed on
its behalf by the undersigned, thereunto duly authorized, in the City
of New York, State of New York, on April 5, 2005.</p>
<img src="spacer.gif" height="10" width="1"><br>
<div style="border: 1px; width: 602px; padding-top: 12px" align="center">
<table cellpadding="0" cellspacing="0" border="0" width="602" bgcolor="#ffffff">
<tr>
<!--col #: 1 / width: 194 / data-type: text-->
<td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="194"></td>
<td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="8"></td>
<!--col #: 2 / width: 20 / data-type: text--><td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="20"></td>
<td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="8"></td>
<!--col #: 3 / width: 367 / data-type: text--><td><img src="spacer.gif" height="1" width="1"></td>
<td><img src="spacer.gif" height="1" width="367"></td>
<td><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">&nbsp;</td>
<td style="padding-top: 12pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="7"><b>MORTAGEIT
HOLDINGS,
INC.</b></td>
</tr>
<tr>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">&nbsp;</td>
<td style="padding-top: 12pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">By:</td>
<td style="padding-top: 12pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 1px solid #000000 ;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">/s/ Doug W.
Naidus</td>
</tr>
<tr>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">&nbsp;</td>
<td style="padding-top: 12pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 12pt" align="left" valign="top" colspan="3">&nbsp;</td>
<td style="padding-top: 12pt "><img src="spacer.gif" height="1" width="2"></td>
<td style="font-family: serif; font-size: 9pt; color: #000000; font-weight: normal; font-style: normal; border-bottom: 3px double #ffffff;padding-left: 0pt; text-indent: 0pt;padding-top: 0pt" align="left" valign="top" colspan="3">Doug
W. Naidus<br> Chairman of the Board and<br>Chief Executive
Officer</td>
</tr>
<tr>
<td><img src="spacer.gif" height="10" width="1"></td>
</tr>
</table>
</div>
<p style="font-family:serif;font-weight:bold;color:#000000;font-size:10pt;  width: 456pt; text-align: center; font-style: normal; line-height: 12pt; padding-top: 12pt; padding-left:0pt; padding-right:0pt; margin: 0pt; text-indent: 0pt; padding-bottom: 0pt; background-color: #ffffff;">POWER OF ATTORNEY</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 11pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">KNOW ALL
MEN BY THESE PRESENTS, that each person whose signature appears below
constitutes and appoints Doug W. Naidus as the true and lawful
attorney-in-fact and agent, with full power of substitution and
resubstitution, for such person and in such person's name, place
and stead, in any and all capacities, to sign any or all amendments to
this Registration Statement, and to file the same, with all exhibits
thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact
and agent full power and authority to do and perform each and every act
and thing requisite and necessary to be done in and about the premises,
as fully to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorney-in-fact and
agent, or his substitute or substitutes, may lawfully or do cause to be
done by virtue hereof.</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 11pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">Pursuant to the requirements of
the Securities Act of 1933, this Registration Statement has been signed
by the following persons in the capacities and on the dates
indicated.</p>
<table cellpadding="0" cellspacing="0" border="0" width="593">
<tr>
<td><img src="spacer.gif" height="1" width="218"></td>
<td><img src="spacer.gif" height="1" width="16"></td>
<td><img src="spacer.gif" height="1" width="234"></td>
<td><img src="spacer.gif" height="1" width="16"></td>
<td><img src="spacer.gif" height="1" width="109"></td>
</tr>
<tr>
<td style="font-family: serif; font-weight: bold; font-size: 8pt; font-style: normal; line-height: 12pt; border-bottom: 1px solid #000000;" align="center">Name</td>
<td></td>
<td style="font-family: serif; font-weight: bold; font-size: 8pt; font-style: normal; line-height: 12pt; border-bottom: 1px solid #000000;" align="center">Title</td>
<td></td>
<td style="font-family: serif; font-weight: bold; font-size: 8pt; font-style: normal; line-height: 12pt; border-bottom: 1px solid #000000;" align="center">Date</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/
Doug W. Naidus</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Chairman
of the Board, Chief Executive Officer and Director (principal executive
officer)</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 5, 2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Doug W. Naidus</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Glenn
Mouridy</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Chief Financial
Officer and Treasurer (principal financial and accounting
officer)</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 5, 2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Glenn Mouridy</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Mark
Pappas</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 1,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Mark
Pappas</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Fred A.
Assenheimer</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 1,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Fred A.
Assenheimer</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ William Collins</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 5,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">William
Collins</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Michael Garin</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 1,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Michael
Garin</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Nancy McKinstry</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 5,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Nancy
McKinstry</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/&nbsp;&nbsp;&nbsp;Timothy
Schantz</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 2,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Timothy
Schantz</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
<tr>
<td valign="top" align="center" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt ; ">/s/ Michael Marocco</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; font-style: normal; line-height: 12pt; " align="left">Director</td>
<td rowspan="3"></td>
<td valign="top" rowspan="3" style="font-family: serif; font-weight: normal; font-size: 10pt; normal; line-height: 12pt; " align="center">April 4,
2005</td>
</tr>
<tr>
<td bgcolor="#000000"><img src="spacer.gif" height="1" width="1"></td>
</tr>
<tr>
<td align="center" valign="top" style="font-family: serif; font-weight: normal;  font-size: 10pt ; font-style: normal; line-height: 12pt ; ">Michael
Marocco</td>
</tr>
<tr>
<td><img src="spacer.gif" height="16" width="1"></td>
</tr>
</table>
<br>
<hr width="760" style="padding-left: 0pt;" align="left">
<br>
<page>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 20pt; background-color: #ffffff">Pursuant to the requirements of the
Securities Act of 1933, the trustee (or other persons who administer
the employee benefit plan) has duly caused this Registration Statement
on Form S-8 to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of New York, State of New York, on April
1, 2005.</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 240pt; background-color: #ffffff">
<b>MORTGAGEIT, INC. 401(k) PLAN</b>
</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:12pt; padding-left:0pt; padding-right:0pt; padding-bottom: 0pt; margin: 0pt; text-indent: 240pt; background-color: #ffffff">By:&nbsp;&nbsp;&nbsp;<u>/s/ John R.
Cuti&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u>
</p>
<p style="font-family:serif;font-weight:normal;color:#000000;font-size:10pt;  width: 456pt; text-align: left; font-style: normal; line-height: 12pt; padding-top:6pt; padding-left:0pt; padding-right:0pt; padding-bottom: 6pt; margin: 0pt; text-indent: 240pt; background-color: #ffffff">
<font style="letter-spacing: 18pt;">&nbsp;&nbsp;</font>John
R. Cuti<br>
<font style="letter-spacing: 258pt;">&nbsp;&nbsp;</font>General Counsel and
Secretary</p>
<br>
<hr width="760" style="padding-left: 0pt;" align="left">
<br>



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{"company-data": {"conformed-name": "MortgageIT Holdings, Inc.", "cik": "0001284151", "assigned-sic": "6798", "irs-number": "200947002", "state-of-incorporation": "MD", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-123856", "film-number": "05734056"}, "business-address": {"street1": "33 MAIDEN LANE", "city": "NEW YORK", "state": "NY", "zip": "10038", "phone": "(212) 651-7700"}, "mail-address": {"street1": "33 MAIDEN LANE", "city": "NEW YORK", "state": "NY", "zip": "10038"}, "former-company": {"former-conformed-name": "MORTGAGEIT HOLDINGS INC", "date-changed": "20040318"}}
As
filed with the Securities and Exchange Commission on April 5,
2005
Registration No.
333-
UNITED
STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.
20549
FORM S-8
REGISTRATION
STATEMENT
UNDER THE SECURITIES ACT OF 1933
MortgageIT Holdings, Inc.
(exact name of registrant as specified in its
charter)
MARYLAND
20-0947002
(state or
other jurisdiction of
incorporation or
organization)
(IRS
Employer Identification No.)
33 Maiden Lane
New York, New York 10038
(212) 651-7700
(Address, including zip code, and telephone
number,
including area code, of registrant's principal
executive offices)
MORTGAGEIT, INC.
401(k)
PLAN
(Full Title of the Plan)
Doug
W. Naidus
Chairman of the Board and
Chief Executive
Officer
MortgageIT Holdings, Inc.
33 Maiden Lane
New
York, New York 10038
(212) 651-7700
(Address, including zip code, and telephone number,
including area code, of registrant's agent for
service)
Copies to:
Norman B. Antin,
Esq.
Jeffrey D. Haas, Esq.
Lloyd H. Spencer, Esq.
Patton
Boggs LLP
2550 M Street, N.W.
Washington, DC 20037
(202)
457-6000
Title
of each Class of
Securities to be Registered
Amount to
be
Registered
(1)
Proposed
Maximum
Offering
Price Per Share
(2)
Proposed
Maximum Aggregate
Offering Price
(3)
Amount
of
Registration Fee
Common Stock, $.01 par
value per
share
150,000
$
15.88
$
2,382,000
$
280.37
(1)
Estimated
maximum aggregate number of shares of MortgageIT Holdings, Inc. common
stock purchasable with employee and employer contributions under the
MortgageIT, Inc. 401(k) Plan during the next 36 months. In addition,
pursuant to Rule 416 of the Securities Act of 1933 (the
"Securities Act"), this Registration
Statement shall also cover an indeterminate amount of interests to be
offered or sold pursuant to the employee benefit plan described above
as well as an indeterminate number of additional shares of MortgageIT
Holdings, Inc. common stock that become issuable under the plan by
reason of any stock splits, stock dividends or similar
transactions.
(2)
Calculated pursuant
to Rule  457(h)(1) and (c) under the Securities Act on the basis
of $15.88 per share, which was the average of the high and low prices
of the MortgageIT Holdings, Inc. common stock as quoted on the New York
Stock Exchange on March 31, 2005.
(3)
Estimated solely for the purpose of
calculating the registration
fee.
PART
I.    INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
ITEMS 1 & 2.
The documents containing the
information for the MortgageIT, Inc. 401(k) Plan (the
"Plan") required by Part I of the
Registration Statement will be sent or given to the participants in the
Plan as specified by Rule 428(b)(1). Such documents constitute,
together with the documents incorporated by reference into the
Registration Statement pursuant to Item 3 of Part II of the
Registration Statement, a prospectus that meets the requirements of
Section 10(a) of the Securities Act.
PART II.    INFORMATION
REQUIRED IN THE REGISTRATION STATEMENT
ITEM
3.    INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE
The
following documents filed or to be filed with the Securities and
Exchange Commission (the "Commission") are
incorporated by reference in this Registration Statement:
(a)
The Registrant's Form 10-K for the
fiscal year ended on December 31, 2004 filed with the Commission on
March 31, 2005.
(b)
The Registrant's
Forms 8-K filed with the Commission on February 15, 2005 and March 25,
2005.
(c)
All documents filed by the
Registrant and the Plan pursuant to Section 13(a), 13(c), 14, or 15(d)
of the Securities Exchange Act of 1934, as amended (the
"Exchange Act") after the date hereof and
prior to the filing of a post-effective amendment which deregisters all
securities then remaining unsold.
(d)
The
description of Registrant's Common Stock contained in
Registrant's Registration Statement on Form S-11 (File No.
333-113825), as originally filed on March 22, 2004, pursuant to Section
5 of the Securities Act.
ANY STATEMENT CONTAINED IN THIS
REGISTRATION STATEMENT, OR IN A DOCUMENT INCORPORATED OR DEEMED TO BE
INCORPORATED BY REFERENCE HEREIN, SHALL BE DEEMED TO BE MODIFIED OR
SUPERSEDED FOR PURPOSES OF THIS REGISTRATION STATEMENT TO THE EXTENT
THAT A STATEMENT CONTAINED HEREIN, OR IN ANY OTHER SUBSEQUENTLY FILED
DOCUMENT WHICH ALSO IS INCORPORATED OR DEEMED TO BE INCORPORATED BY
REFERENCE HEREIN, MODIFIES OR SUPERSEDES SUCH STATEMENT. ANY SUCH
STATEMENT SO MODIFIED OR SUPERSEDED SHALL NOT BE DEEMED, EXCEPT AS SO
MODIFIED OR SUPERSEDED, TO CONSTITUTE A PART OF THIS REGISTRATION
STATEMENT.
ITEM 4.    DESCRIPTION OF SECURITIES
A
description of Registrant's Common Stock is contained in
Registrant's Registration Statement on Form S-11 (File No.
333-113825), as originally filed on March 22, 2004, pursuant to Section
5 of the Securities Act.
ITEM 5.    INTERESTS OF NAMED
EXPERTS AND COUNSEL
Certain legal matters with respect to
legality of the common stock registered hereby will be passed upon for
the Registrant by Patton Boggs LLP. As of the date of this Registration
Statement, certain partners of Patton Boggs LLP owned approximately
23,300 shares of the Registrant's common stock.
ITEM
6.     INDEMNIFICATION OF DIRECTORS AND OFFICERS
In
accordance with Section 2-405.2 and Section 2-408 of the Maryland
General Corporation Law, Article VIII of the Articles of Amendment and
Restatement of the Registrant provides as follows:
The
Corporation shall indemnify, in the manner and to the fullest extent
permitted by law, any person (or the estate of any person) who is or
was a party to, or is threatened to be made a party to,
any threatened, pending or completed action,
suit or proceeding, whether or not by or in the right of the
Corporation, and whether civil, criminal, administrative, investigative
or otherwise, by reason of the fact that such person is or was a
director or officer of the Corporation, or such director or officer is
or was serving at the request of the Corporation as a director,
officer, agent, trustee, partner or employee of another corporation,
partnership, joint venture, limited liability company, trust, real
estate investment trust, employee benefit plan or other enterprise. To
the fullest extent permitted by law, the indemnification provided
herein shall include expenses (including attorneys' fees),
judgments, fines and amounts paid in settlement and any such expenses
may be paid by the Corporation in advance of the final disposition of
such action, suit or proceeding. The Corporation shall indemnify other
employees and agents to such extent as shall be authorized by the Board
of Directors or the Corporation's Bylaws and be permitted by law.
Any repeal or modification of this Section by the stockholders of the
Corporation shall be prospective only, and shall not adversely affect
any right to indemnification or advancement of expenses hereunder
existing at the time of such repeal or modification.
The
Corporation may, to the fullest extent permitted by law, purchase and
maintain insurance on behalf of any person described in the preceding
paragraph against any liability which may be asserted against such
person.
The indemnification provided herein shall not be deemed
to limit the right of the Corporation to indemnify any other person for
any such expenses to the fullest extent permitted by law, nor shall it
be deemed exclusive of any other rights to which any person seeking
indemnification from the Corporation may be entitled under any
agreement, vote of stockholders or disinterested directors, or
otherwise, both as to action in such persons official capacity and as
to action in another capacity while holding such office.
To the
fullest extent permitted by statutory or decisional law of the State of
Maryland, as amended or interpreted from time to time, no director or
officer of the Corporation shall be personally liable to the
Corporation or its stockholders, or any of them, for money damages. No
amendment of the Articles of Incorporation of the Corporation or repeal
of any of its provisions shall limit or eliminate the benefits provided
to directors and officers under this provision with respect to any act
or omission which occurred prior to such amendment or repeal.
ITEM 7.    EXEMPTION FROM REGISTRATION CLAIMED
Not
applicable.
ITEM 8.    EXHIBITS
The following
exhibits are filed with or incorporated by reference into this
Registration Statement on Form S-8 (numbering corresponds generally to
Exhibit Table in Item 601 of Regulation S-K):
4.1
Stock
Certificate of MortgageIT Holdings, Inc.
(1)
5.1
Opinion of Patton Boggs LLP, Washington D.C., as
to the legality of Common Stock registered hereby
23.1
Consent of Patton Boggs LLP (included in Exhibit
5.1)
23.2
Consent of BDO Seidman,
LLP
24
Power of Attorney is located on the
signature
pages
(1)
Incorporated
herein by reference from Exhibit 4.1 contained in the Registration
Statement on Form S-11 (File No. 333-113825), as originally filed with
the Commission on March 22, 2004.
The Registrant has
submitted the Plan and will submit any amendments thereto to the
Internal Revenue Service ("IRS") in a timely
manner for a determination as to the qualification of the Plan under
Section 401(a) of the Internal Revenue Code of 1986, as amended and
will cause all changes required by the IRS to be made to maintain the
qualification of the Plan, if any.
ITEM 9.    UNDERTAKINGS
The
undersigned Registrant hereby undertakes:
(1)
To file, during any period in which
offers or sales of securities are being made, a post-effective
amendment to this Registration Statement:
(i)
To include any prospectus required by
Section 10(a)(3) of the Securities Act;
(ii)
To reflect in the prospectus any facts or
events arising after the effective date of the Registration Statement
(or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the
information set forth in the Registration Statement. Notwithstanding
the foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed that
which was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in the
aggregate, the changes in volume and price represent no more than a 20
percent change in the maximum aggregate offering price set forth in the
"Calculation of Registration Fee" table in
the effective registration statement;
(iii)
To include any material information with
respect to the plan of distribution not previously disclosed in the
Registration Statement or any material change to such information in
the Registration Statement;
unless
the information required by (i) and (ii) is contained in periodic
reports filed by the Registrant pursuant to Section 13 or 15(d) of the
Exchange Act that are incorporated by reference into this Registration
Statement.
(2)
That, for the purpose
of determining any liability under the Securities Act, each
post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering
of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
(3)
To remove
from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of
the offering.
(4)
That, for purposes
of determining any liability under the Securities Act, each filing of
the Registrant's or the Plan's annual report pursuant to
Section 13(a) or Section 15(d) of the Exchange Act that is incorporated
by reference in the Registration Statement shall be deemed to be a new
Registration Statement relating to the securities offered therein, and
the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.
(5)
Insofar as indemnification for
liabilities arising under the Securities Act may be permitted to
directors, officers and controlling persons of the Registrant pursuant
to the foregoing provisions, or otherwise, the Registrant has been
advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the Securities Act and is,
therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the Registrant of
expenses incurred or paid by a director, officer or controlling person
of the Registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person
in connection with the securities being registered, the Registrant
will, unless in the opinion of its counsel the matter has been settled
by controlling precedent, submit to a court of appropriate jurisdiction
the question whether such indemnification by it is against public
policy as expressed in the Securities Act and will be governed by the
final adjudication of such issue.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933,
the trustee (or other persons who administer the employee benefit plan)
has duly caused this Registration Statement on Form S-8 to be signed on
its behalf by the undersigned, thereunto duly authorized, in the City
of New York, State of New York, on April 5, 2005.
MORTAGEIT
HOLDINGS,
INC.
By:
/s/ Doug W.
Naidus
Doug
W. Naidus
Chairman of the Board and
Chief Executive
Officer
POWER OF ATTORNEY
KNOW ALL
MEN BY THESE PRESENTS, that each person whose signature appears below
constitutes and appoints Doug W. Naidus as the true and lawful
attorney-in-fact and agent, with full power of substitution and
resubstitution, for such person and in such person's name, place
and stead, in any and all capacities, to sign any or all amendments to
this Registration Statement, and to file the same, with all exhibits
thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorney-in-fact
and agent full power and authority to do and perform each and every act
and thing requisite and necessary to be done in and about the premises,
as fully to all intents and purposes as he might or could do in person,
hereby ratifying and confirming all that said attorney-in-fact and
agent, or his substitute or substitutes, may lawfully or do cause to be
done by virtue hereof.
Pursuant to the requirements of
the Securities Act of 1933, this Registration Statement has been signed
by the following persons in the capacities and on the dates
indicated.
Name
Title
Date
/s/
Doug W. Naidus
Chairman
of the Board, Chief Executive Officer and Director (principal executive
officer)
April 5, 2005
Doug W. Naidus
/s/ Glenn
Mouridy
Chief Financial
Officer and Treasurer (principal financial and accounting
officer)
April 5, 2005
Glenn Mouridy
/s/ Mark
Pappas
Director
April 1,
2005
Mark
Pappas
/s/ Fred A.
Assenheimer
Director
April 1,
2005
Fred A.
Assenheimer
/s/ William Collins
Director
April 5,
2005
William
Collins
/s/ Michael Garin
Director
April 1,
2005
Michael
Garin
/s/ Nancy McKinstry
Director
April 5,
2005
Nancy
McKinstry
/s/   Timothy
Schantz
Director
April 2,
2005
Timothy
Schantz
/s/ Michael Marocco
Director
April 4,
2005
Michael
Marocco
Pursuant to the requirements of the
Securities Act of 1933, the trustee (or other persons who administer
the employee benefit plan) has duly caused this Registration Statement
on Form S-8 to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of New York, State of New York, on April
1, 2005.
MORTGAGEIT, INC. 401(k) PLAN
By:
/s/ John R.
Cuti
John
R. Cuti
General Counsel and
Secretary