AGREEMENT FOR JOINT FILING OF SCHEDULE 13D

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                                                                       EXHIBIT 4


                              AGREEMENT FOR JOINT
                             FILING OF SCHEDULE 13D

        Xxxx X. Xxxxxxx and Xxxxx Xxxxxxx, individually and as Trustees of the
Xxxxxxx Family Trust, agree that the Schedule 13D dated February 4, 2000
regarding BNC Mortgage, Inc. has been filed on behalf of each of Xxxx X.
Xxxxxxx, Xxxxx Xxxxxxx and the Xxxxxxx Family Trust.


                                        /s/  Xxxx X. Xxxxxxx
                                        ---------------------------------------
                                        Xxxx X. Xxxxxxx


                                        /s/  Xxxxx Xxxxxxx
                                        ---------------------------------------
                                        Xxxxx Xxxxxxx



                                        THE XXXXXXX FAMILY TRUST

                                        By: /s/ Xxxx X. Xxxxxxx
                                        ---------------------------------------
                                        Name:  Xxxx X. Xxxxxxx
                                        Title: Co-Trustee


                                        By: /s/ Xxxxx Xxxxxxx
                                        ---------------------------------------
                                        Name:  Xxxxx Xxxxxxx
                                        Title: Co-Trustee