1268039--3/15/2007--ORIGEN_FINANCIAL

related topics

{loan, real, estate}

{tax, income, asset}

{product, market, service}

{stock, price, share}

{condition, economic, financial}

{control, financial, internal}

We may not be able to securitize our manufactured housing loans or do so on favorable terms. Our business may not be profitable in the future. Some of our investments are illiquid and their value may decrease. The success and growth of our business will depend upon our ability to adapt to and implement technological changes. If we are unable to maintain our network of retailers, brokers and correspondents, our loan origination business will decrease. The manufactured housing industry has been in a downturn. Our business may be significantly harmed by a slowdown in the economy of California where we conduct a significant amount of business. We may suffer adverse tax consequences and be unable to attract capital if we fail to qualify as a REIT. A portion of our income from assets held directly by or through a qualified REIT subsidiary that is classified as a taxable mortgage pool may represent phantom taxable income. The increasing number of federal, state and local anti-predatory lending laws may restrict our ability to originate or increase our risk of liability with respect to certain manufactured housing loans and could increase our cost of doing business. Common stock eligible for future sale may have adverse effects on our share price.

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1268039--3/15/2007--ORIGEN_FINANCIAL_INC