IPO Profile

HomeBanc
2002 Summit Boulevard, Suite 100, Atlanta, Georgia 30319
Tel: 404-303-4000
Web: www.homebanc.com
Ticker: HMB
Stock Exchange: New York Stock Exchange
Shares Issued: 34,250,000.00
Price Offered: $7.50
Amount Raised: $256,875,000.00

Underwriters:
J.P. Morgan
Friedman, Billings, Ramsey
William Blair
KeyBanc Capital Markets
Jackson Securities

Company Description:
We are a newly formed Georgia corporation that owns 100% of the outstanding stock of HomeBanc Mortgage Corporation, or �HBMC,� a residential mortgage banking company. HBMC and its predecessors have been in the residential mortgage loan origination business for almost 20 years. Upon completion of this offering, we intend to elect to be taxed as a REIT, with HBMC operating as our taxable REIT subsidiary. HBMC will continue to focus its origination activities primarily on prime residential mortgage loans, a portion of which will be sold by HBMC to third-parties, and a portion of which, primarily adjustable-rate prime mortgage loans, will be held by HomeBanc Corp. or a wholly owned qualified REIT subsidiary on a leveraged basis. We intend to service the loans that we hold in our portfolio. While the definition of �prime� loans varies from company to company, we consider �prime� loans to be loans that satisfy our prescribed investment criteria, namely loan product type, credit scores and loan-to-value ratios. Although we do not presently intend to actively invest in mortgage-backed securities collateralized by assets that we do not originate, we may do so from time to time in the future.