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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>UNITED
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        AND EXCHANGE COMMISSION</strong></font></div>
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        D.C. 20549</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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        8-K</strong></font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Current
        Report</strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></div>
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        to Section&#160;13 or 15(d) of</font></div>
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        Securities Exchange Act of 1934</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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        of
        Report (Date of earliest event reported): </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>September
        5, 2005</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify"><br>&#160;</div>
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        FINANCIAL MORTGAGE CORP.</strong></font></div>
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        Name of Registrant as Specified in Charter)</font></div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;<strong><font size="2">Illinois</font></strong></div>
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                    1-14127</font></strong></div>
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                    or Other Jurisdiction</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 99pt">&#160;</font></div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;<font size="2">(<font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Commission
                    File Number)</font></font></div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;<font size="2">(IRS
                    Employer Identification
                    No)</font></div>
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                  <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="center">&#160;<font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">of
                    Incorporation)</font></div>
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        Commerce Drive, Suite 100</strong></font></div>
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        Brook, Illinois 60523</strong></font></div>
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        telephone number, including area code: </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>(630)
        571-7222</strong></font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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              <td align="left" style="WIDTH: 45pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
                1.01.</font></td>
              <td align="left">
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Entry
                  into a Material Definitive Agreement</u></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">On
        September 5, 2005, United Financial Mortgage Corp. (the &#8220;Company&#8221;) entered into
        an Agreement and Plan of Merger (the &#8220;Agreement&#8221;) with ARH Mortgage Inc. and the
        Airlie Opportunity Master Fund, Ltd. (collectively, &#8220;Airlie&#8221;). Under the terms
        of the Agreement, Airlie will acquire the Company for $5.64 per share of
        common
        stock in cash. </font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font id="TAB1" style="MARGIN-LEFT: 36pt"></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Upon
        completion of the acquisition, the Company will become a subsidiary of Airlie
        and continue to operate out of its Oak Brook, Illinois headquarters as United
        Financial Mortgage Corp. Mr. Steve Khoshabe, President and Chief Executive
        Officer of the Company, will continue to serve in his current role. The
        transaction, which was unanimously approved by the Company&#8217;s board of directors,
        is subject to approval by various regulatory agencies and the Company&#8217;s
        shareholders and the satisfaction of certain closing conditions. The Company
        anticipates that the closing will occur during the fourth calendar quarter
        of
        2005.</font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">A
        copy of
        the Agreement is provided as Exhibit 2.1 hereto and is incorporated herein
        by
        reference. The description of the transaction contemplated in the Agreement
        set
        forth above is qualified in its entirety by reference to the Agreement. A
        copy
        of the Company&#8217;s press release announcing the transaction is provided as
        Exhibit&#160;99.1 hereto.</font></div>
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              <td align="left" style="WIDTH: 45pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Item
                9.01.</font></td>
              <td align="left">
                <div align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Financial
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">(c)
        Exhibits.</font></div>
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      <div>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit&#160;2.1</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Agreement
                  and Plan of Merger, dated as of September 5, 2005, among ARH Mortgage
                  Inc., the Airlie Opportunity Master Fund, Ltd. and United Financial
                  Mortgage Corp.</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="12%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit&#160;99.1</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
              <td align="left" valign="top" width="66%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Press
                  release dated September 6, 2005 announcing entry into definitive
                  merger
                  agreement with Airlie.</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em><u>Forward-Looking
        Information</u></em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>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&#8217;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
&#8220;believe,&#8221;&#8220;expect,&#8221;&#8220;anticipate,&#8221;&#8220;plan,&#8221;&#8220;intend,&#8221;&#8220;estimate,&#8221;&#8220;may,&#8221;&#8220;will,&#8221;&#8220;would,&#8221;&#8220;could,&#8221;&#8220;should&#8221;
        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,&#160;the ability to obtain the approvals, and to satisfy the conditions,
        necessary to consummate the transaction contemplated in the Agreement, the
        impact and risks associated with ongoing and future legal proceedings, changes
        in demand for mortgage loans, the Company&#8217;s access to funding sources and the
        terms upon which it can obtain financing, assumptions underlying the value
        of
        the Company&#8217;s retained mortgage loan-servicing rights, the impact of economic
        slowdowns or recessions, management&#8217;s ability to manage the Company&#8217;s growth and
        planned expansion, difficulties in integrating or operating newly acquired
        businesses, competition in the Company&#8217;s markets, changes in government
        regulations, the Company&#8217;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&#8217;s market, other risk
        factors disclosed from time to time in the Company&#8217;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.</em></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><em>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&#8217;s financial results,
        is included in the Company&#8217;s filings with the Securities and Exchange
        Commission.</em></font></div>
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      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>Signature</strong></font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">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.</font></div>
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              <td width="1%"><font style="FONT-FAMILY: Times New Roman" size="2">&#160;</font></td>
              <td width="49%"><font style="FONT-FAMILY: Times New Roman" size="2">&#160;</font></td>
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              <td><font style="FONT-FAMILY: Times New Roman" size="2">&#160;</font></td>
              <td colspan="2"><font style="FONT-FAMILY: Times New Roman" size="2">UNITED
                FINANCIAL MORTGAGE CORP.</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td><font style="FONT-FAMILY: Times New Roman" size="2">&#160;<br>&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman" size="2">&#160;<br>&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman" size="2">&#160;<br>&#160;</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td><font style="FONT-FAMILY: Times New Roman" size="2">Date:&#160;September
                8, 2005</font></td>
              <td><font style="FONT-FAMILY: Times New Roman" size="2">By:&#160;&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman" size="2">/s/&#160;Steve
                Khoshabe<font id="TAB2" style="COLOR: black; LETTER-SPACING: 9.7pt" size="3">&#160;</font></font></td>
            </tr>
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              <td colspan="2"><font style="FONT-FAMILY: Times New Roman" size="1">&#160;</font></td>
              <td align="left">
                <hr style="COLOR: #000000" align="left" noshade size="2" width="80%"><font size="2">Steve
                Khoshabe</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 9.7pt">&#160;</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td colspan="2"><font style="FONT-FAMILY: Times New Roman" size="2">&#160;</font></td>
              <td><font style="FONT-FAMILY: Times New Roman" size="2">President
                and Chief
                Executive Officer</font></td>
            </tr>

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        TO
        EXHIBITS&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><u>Exhibits</u></font></div>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit&#160;2.1</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
              <td align="left" valign="top" width="66%">
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Agreement
                  and Plan of Merger, dated as of September 5, 2005, among ARH Mortgage
                  Inc., the Airlie Opportunity Master Fund, Ltd. and United Financial
                  Mortgage Corp.</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exhibit&#160;99.1</font></div>
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                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Press
                  release dated September 6, 2005 announcing entry into definitive
                  merger
                  agreement with Airlie.</font></div>
                <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
              </td>
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{"company-data": {"conformed-name": "UNITED FINANCIAL MORTGAGE CORP", "cik": "0000916823", "assigned-sic": "6162", "irs-number": "363440533", "state-of-incorporation": "IL", "fiscal-year-end": "0430"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-14127", "film-number": "051076526"}, "business-address": {"street1": "815 COMMERCE DRIVE", "street2": "SUITE 100", "city": "OAK BROOK", "state": "IL", "zip": "60523", "phone": "6305717222"}, "mail-address": {"street1": "815 COMMERCE DRIVE", "street2": "SUITE 100", "city": "OAK BROOK", "state": "IL", "zip": "60523"}}
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):
September
        5, 2005
UNITED
        FINANCIAL MORTGAGE CORP.
(
Exact
        Name of Registrant as Specified in Charter)
Illinois
1-14127
36-43440533
(State
                    or Other Jurisdiction
(
Commission
                    File Number)
(IRS
                    Employer Identification
                    No)
of
                    Incorporation)
815
        Commerce Drive, Suite 100
Oak
        Brook, Illinois 60523
(Address
        of principal executive offices)
Registrant's
        telephone number, including area code:
(630)
        571-7222
Item
                1.01.
Entry
                  into a Material Definitive Agreement
.
On
        September 5, 2005, United Financial Mortgage Corp. (the "Company") entered into
        an Agreement and Plan of Merger (the "Agreement") with ARH Mortgage Inc. and the
        Airlie Opportunity Master Fund, Ltd. (collectively, "Airlie"). Under the terms
        of the Agreement, Airlie will acquire the Company for $5.64 per share of
        common
        stock in cash.
Upon
        completion of the acquisition, the Company will become a subsidiary of Airlie
        and continue to operate out of its Oak Brook, Illinois headquarters as United
        Financial Mortgage Corp. Mr. Steve Khoshabe, President and Chief Executive
        Officer of the Company, will continue to serve in his current role. The
        transaction, which was unanimously approved by the Company's board of directors,
        is subject to approval by various regulatory agencies and the Company's
        shareholders and the satisfaction of certain closing conditions. The Company
        anticipates that the closing will occur during the fourth calendar quarter
        of
        2005.
A
        copy of
        the Agreement is provided as Exhibit 2.1 hereto and is incorporated herein
        by
        reference. The description of the transaction contemplated in the Agreement
        set
        forth above is qualified in its entirety by reference to the Agreement. A
        copy
        of the Company's press release announcing the transaction is provided as
        Exhibit 99.1 hereto.
Item
                9.01.
Financial
                  Statements and Exhibits
.
(c)
        Exhibits.
Exhibit 2.1
Agreement
                  and Plan of Merger, dated as of September 5, 2005, among ARH Mortgage
                  Inc., the Airlie Opportunity Master Fund, Ltd. and United Financial
                  Mortgage Corp.
Exhibit 99.1
Press
                  release dated September 6, 2005 announcing entry into definitive
                  merger
                  agreement with Airlie.
Forward-Looking
        Information
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, the ability to obtain the approvals, and to satisfy the conditions,
        necessary to consummate the transaction contemplated in the Agreement, the
        impact and risks associated with ongoing and future legal proceedings, 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 markets, 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.
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.
Date: September
                8, 2005
By:
/s/ Steve
                Khoshabe
Steve
                Khoshabe
President
                and Chief
                Executive Officer
INDEX
        TO
        EXHIBITS
Exhibits
Exhibit 2.1
Agreement
                  and Plan of Merger, dated as of September 5, 2005, among ARH Mortgage
                  Inc., the Airlie Opportunity Master Fund, Ltd. and United Financial
                  Mortgage Corp.
Exhibit 99.1
Press
                  release dated September 6, 2005 announcing entry into definitive
                  merger
                  agreement with Airlie.