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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
        STATES</strong></font></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"><strong>SECURITIES
        AND EXCHANGE COMMISSION</strong></font></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">Washington,
        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="center"><font style="DISPLAY: inline; FONT-SIZE: 18pt; FONT-FAMILY: Times New Roman"><strong>FORM
        8-K</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: 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>
      <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">Pursuant
        to Section&#160;13 or 15(d) of The Securities Exchange Act of 1934</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="center">
      </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">Date
        of
        Report (Date of earliest event reported): </font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong>September
        30, 2005</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: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></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: 18pt; FONT-FAMILY: Times New Roman"><strong>UNITED
        FINANCIAL MORTGAGE CORP.</strong></font></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">(</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Exact
        Name of Registrant as Specified in Charter)</font><br></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>Illinois</strong></font></div>
                  </td>
                  <td align="left" valign="top" width="2%">&#160;</td>
                  <td align="left" valign="top" width="32%">
                    <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>1-14127</strong></font></div>
                  </td>
                  <td align="left" valign="top" width="2%">&#160;</td>
                  <td align="left" valign="top" width="32%">
                    <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>36-43440533</strong></font></div>
                  </td>
                </tr>
                <tr>
                  <td valign="top" width="32%">
                    <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">(State
                      or Other <br>Jurisdiction of Incorporation)</font></div>
                  </td>
                  <td align="left" valign="top" width="2%">&#160;</td>
                  <td align="left" valign="top" width="32%">
                    <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">(</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Commission
                      File Number)</font></div>
                  </td>
                  <td align="left" valign="top" width="2%">&#160;</td>
                  <td align="left" valign="top" width="32%">
                    <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">(IRS
                      Employer Identification
                      No)</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">&#160;&#160;&#160;&#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"><strong>815
        Commerce Drive, Suite 100</strong></font></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"><strong>Oak
        Brook, Illinois 60523</strong></font></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">(Address
        of principal executive offices)</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></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="center"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Registrant&#8217;s
        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>
      <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"><br></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">Check
        the
        appropriate box below if the Form 8-K filing is intended to simultaneously
        satisfy the filing obligation of the registrant under any of the following
        provisions:</font></div>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Wingdings">&#168;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Written
                  communications pursuant to Rule 425 under the Securities Act (17
                  CFR
                  230.425)</font></div>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Wingdings">&#168;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Soliciting
                  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
                  240.14a-12)</font></div>
              </td>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Wingdings">&#168;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pre-commencement
                  communications pursuant to Rule 14d-2(b) under the Exchange Act
                  (17 CFR
                  240.14d-2(b))</font></div>
              </td>
            </tr>

        </table>
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                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Wingdings">&#168;</font></div>
              </td>
              <td>
                <div style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">Pre-commencement
                  communications pursuant to Rule 13e-4(c) under the Exchange Act
                  (17 CFR
                  240.13e-4(c))</font></div>
              </td>
            </tr>

        </table>
      </div><br>
      <div id="PGBRK" style="MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt">
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          </div>
          <div style="WIDTH: 100%; TEXT-ALIGN: center">
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        </div>
        <div id="HDR">
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          </div>
        </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">Item
        1.01.&#160;&#160;&#160;&#160; </font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><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">.
        </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">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. (&#8220;ARH&#8221;)
        and Airlie Opportunity Master Fund, Ltd. (&#8220;Airlie&#8221;). The Agreement provides for
        the merger of a wholly-owned subsidiary of ARH with and into the Company,
        with
        the Company being the surviving entity as a wholly-owned subsidiary of
        ARH.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></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 30, 2005, Airlie and WDM Fund, L.P. (&#8220;WDM Fund&#8221;) entered into a Stock
        Purchase, Assignment and Assumption Agreement (the &#8220;Assignment&#8221;) pursuant to
        which Airlie agreed to assign all of its rights and interests under the
        Agreement to WDM Fund and WDM Fund agreed to the assignment and to
        assume&#160;all of the obligations of Airlie under the Agreement&#160;as
        if WDM
        Fund had originally executed the Agreement as the &#8220;Purchaser Parent&#8221; (as that
        term is defined in the Agreement). Airlie continues to be bound by, and subject
        to, all of its obligations under the Agreement&#160;such that if for any
        reason
        WDM Fund does not perform any of the obligations, Airlie will continue to
        be
        obligated to perform the obligations.&#160;</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></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">In
        addition, pursuant to the Assignment, Airlie agreed to sell all of its ownership
        interests in ARH to WDM Fund and WDM Fund agreed to purchase all those interests
        from Airlie. </font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 36pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left"><br></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 30, 2005, the Company, Airlie and WDM Fund executed a Consent to
        Assignment, pursuant to which the Company consented to the Assignment subject
        to
        the terms and conditions contained in the Consent to Assignment. On September
        30, 2005, ARH also executed a similar Consent to Assignment.</font></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">A
        copy of
        the Agreement was provided as Exhibit 2.1 to the Form 8-K filed by the Company
        on September 9, 2005</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.
        A copy
        of the Assignment is provided as Exhibit 2.1 hereto and is incorporated by
        reference herein. A copy of the Consent to Assignment executed by the Company
        is
        provided as Exhibit 2.2 hereto and is incorporated by reference herein. The
        descriptions of the Assignment and the Consent to Assignment set forth above
        are
        qualified in their entirety by reference to the Assignment and the Consent
        to
        Assignment attached hereto. </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">Item
        9.01.&#160;&#160;&#160; &#160;</font><font id="TAB2" style="COLOR: black; LETTER-SPACING: 27pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><strong><u>Financial
        Statements and Exhibits</u></strong></font><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">.</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">(c)
        Exhibits.</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
      <div align="left">
        <table cellpadding="0" cellspacing="0" width="100%">

            <tr>
              <td align="left" valign="top" width="10%">
                <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>
              </td>
              <td align="left" valign="top" width="2%">&#160;</td>
              <td align="left" valign="top" width="88%">
                <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">Stock
                  Purchase, Assignment and Assumption Agreement, dated as of September
                  30,
                  2005, between Airlie Opportunity Master Fund, Ltd. and WDM Fund,
                  L.P.
                  </font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="2%">&#160;</td>
              <td align="left" valign="top" width="88%">&#160;</td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">
                <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;2.2</font></div>
              </td>
              <td align="left" valign="top" width="2%">&#160;</td>
              <td align="left" valign="top" width="88%">
                <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">Consent
                  to Assignment, dated as of September 30, 2005, among Airlie Opportunity
                  Master Fund, Ltd., WDM Fund, L.P. and United Financial Mortgage
                  Corp.</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="center"><br></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="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
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        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>
      <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">&#160;</div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="left">
        <table align="center" bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%">

            <tr valign="top" bgcolor="#ffffff">
              <td width="50%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td width="1%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td width="49%"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
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              <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">UNITED
                FINANCIAL MORTGAGE CORP.</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;<br>&#160;</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">By:&#160;&#160;</font></td>
              <td><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">/s/&#160;Steve
                Khoshabe<font id="TAB2" style="COLOR: black; LETTER-SPACING: 9.7pt" size="3">&#160;</font></font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <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">President
                and Chief Executive Officer</font></td>
            </tr>
            <tr valign="top" bgcolor="#ffffff">
              <td colspan="2"><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&#160;</font></td>
              <td>&#160;</td>
            </tr>

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        October 5, 2005</font></div>
      <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; LINE-HEIGHT: 1.25; MARGIN-RIGHT: 0pt" align="justify">&#160;</div><br>
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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>
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              </td>
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              <td align="left" valign="top" width="88%">
                <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">Stock
                  Purchase, Assignment and Assumption Agreement, dated as of September
                  30,
                  2005, between Airlie Opportunity Master Fund, Ltd. and WDM Fund,
                  L.P.
                  </font></div>
              </td>
            </tr>
            <tr>
              <td align="left" valign="top" width="10%">&#160;</td>
              <td align="left" valign="top" width="2%">&#160;</td>
              <td align="left" valign="top" width="88%">&#160;</td>
            </tr>
            <tr>
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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;2.2</font></div>
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              <td align="left" valign="top" width="88%">
                <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">Consent
                  to Assignment, dated as of September 30, 2005, among Airlie Opportunity
                  Master Fund, Ltd., WDM Fund, L.P. and United Financial Mortgage
                  Corp.</font></div>
              </td>
            </tr>

        </table>
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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": "051124884"}, "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
        30, 2005
UNITED
        FINANCIAL MORTGAGE CORP.
(
Exact
        Name of Registrant as Specified in Charter)
Illinois
1-14127
36-43440533
(State
                      or Other
Jurisdiction of Incorporation)
(
Commission
                      File Number)
(IRS
                      Employer Identification
                      No)
815
        Commerce Drive, Suite 100
Oak
        Brook, Illinois 60523
(Address
        of principal executive offices)
Registrant's
        telephone number, including area code:
(630)
        571-7222
Check
        the
        appropriate box below if the Form 8-K filing is intended to simultaneously
        satisfy the filing obligation of the registrant under any of the following
        provisions:
¨
Written
                  communications pursuant to Rule 425 under the Securities Act (17
                  CFR
                  230.425)
¨
Soliciting
                  material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
                  240.14a-12)
¨
Pre-commencement
                  communications pursuant to Rule 14d-2(b) under the Exchange Act
                  (17 CFR
                  240.14d-2(b))
¨
Pre-commencement
                  communications pursuant to Rule 13e-4(c) under the Exchange Act
                  (17 CFR
                  240.13e-4(c))
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. ("ARH")
        and Airlie Opportunity Master Fund, Ltd. ("Airlie"). The Agreement provides for
        the merger of a wholly-owned subsidiary of ARH with and into the Company,
        with
        the Company being the surviving entity as a wholly-owned subsidiary of
        ARH.
On
        September 30, 2005, Airlie and WDM Fund, L.P. ("WDM Fund") entered into a Stock
        Purchase, Assignment and Assumption Agreement (the "Assignment") pursuant to
        which Airlie agreed to assign all of its rights and interests under the
        Agreement to WDM Fund and WDM Fund agreed to the assignment and to
        assume all of the obligations of Airlie under the Agreement as
        if WDM
        Fund had originally executed the Agreement as the "Purchaser Parent" (as that
        term is defined in the Agreement). Airlie continues to be bound by, and subject
        to, all of its obligations under the Agreement such that if for any
        reason
        WDM Fund does not perform any of the obligations, Airlie will continue to
        be
        obligated to perform the obligations.
In
        addition, pursuant to the Assignment, Airlie agreed to sell all of its ownership
        interests in ARH to WDM Fund and WDM Fund agreed to purchase all those interests
        from Airlie.
On
        September 30, 2005, the Company, Airlie and WDM Fund executed a Consent to
        Assignment, pursuant to which the Company consented to the Assignment subject
        to
        the terms and conditions contained in the Consent to Assignment. On September
        30, 2005, ARH also executed a similar Consent to Assignment.
A
        copy of
        the Agreement was provided as Exhibit 2.1 to the Form 8-K filed by the Company
        on September 9, 2005
.
        A copy
        of the Assignment is provided as Exhibit 2.1 hereto and is incorporated by
        reference herein. A copy of the Consent to Assignment executed by the Company
        is
        provided as Exhibit 2.2 hereto and is incorporated by reference herein. The
        descriptions of the Assignment and the Consent to Assignment set forth above
        are
        qualified in their entirety by reference to the Assignment and the Consent
        to
        Assignment attached hereto.
Item
        9.01.
Financial
        Statements and Exhibits
.
(c)
        Exhibits.
Exhibit 2.1
Stock
                  Purchase, Assignment and Assumption Agreement, dated as of September
                  30,
                  2005, between Airlie Opportunity Master Fund, Ltd. and WDM Fund,
                  L.P.
Exhibit 2.2
Consent
                  to Assignment, dated as of September 30, 2005, among Airlie Opportunity
                  Master Fund, Ltd., WDM Fund, L.P. and United Financial Mortgage
                  Corp.
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.
By:
/s/ Steve
                Khoshabe
President
                and Chief Executive Officer
Date:
        October 5, 2005
INDEX
        TO
        EXHIBITS
Exhibits
Exhibit 2.1
Stock
                  Purchase, Assignment and Assumption Agreement, dated as of September
                  30,
                  2005, between Airlie Opportunity Master Fund, Ltd. and WDM Fund,
                  L.P.
Exhibit 2.2
Consent
                  to Assignment, dated as of September 30, 2005, among Airlie Opportunity
                  Master Fund, Ltd., WDM Fund, L.P. and United Financial Mortgage
                  Corp.