Exhibit 34.3

[Deloitte Letterhead]

REPORT OF
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Shareholders

PHH Mortgage Corporation

Mt. Laurel, NJ 08054

We have examined PHH Mortgage Corporations (the Companys) compliance with the servicing criteria set forth in Item 1122(d) of the
Securities and Exchange Commissions Regulation AB for the Loan Platform (the Platform) described in the accompanying Managements Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria as of and for the
year ended December 31, 2013, excluding criteria 1122 (d)(3)(i)(c), (d) (4)(xv), and (d)(1)(iii), which management has determined are not applicable to the activities performed by the Company with respect to the Platform. Management is
responsible for the Companys compliance with the servicing criteria. Our responsibility is to express an opinion on the Companys compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants, as adopted by
the Public Company Accounting Oversight Board (United States), and, accordingly, included examining, on a test basis, evidence about the Companys compliance with the applicable servicing criteria, including tests on a sample basis of the
servicing activities related to the Platform, determining whether the Company performed those selected activities in compliance with the servicing criteria during the specified period, and performing such other procedures as we considered necessary
in the circumstances. Our procedures were limited to selected servicing activities performed by the Company during the period covered by this report and, accordingly, such samples may not have included servicing activities related to each
asset-backed transaction included in the Platform. Further, an examination is not designed to detect noncompliance arising from errors that may have occurred prior to the period specified above that may have affected the balances or amounts
calculated or reported by the Company during the period covered by this report. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Companys compliance with
the servicing criteria.

As described in managements assertion, for servicing criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv),
1122(d)(4)(vii), 1122(d)(4)(viii), and 1122(d)(4)(xi), the Company has engaged a vendor to perform certain activities required by these servicing criteria. The Company has determined that this vendor is not considered a servicer as
defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criteria applicable to this vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation
Finance Manual of Publicly Available Telephone Interpretations (Interpretation 17.06). As permitted by Interpretation 17.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the
vendors activities comply in all material respects with the servicing criteria applicable to this vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendor and
related criteria as described in its assertion, and we performed no procedures with respect to the Companys determination of its eligibility to use Interpretation 17.06.



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Our examination disclosed the following instance of material noncompliance with criteria applicable to the
Company during the year ended December 31, 2013:



|                |  |                                                                                                  
|--------------- |  | -------------------------------------------------------------------------------------------------
|Standard        |  | Description                                                                                      
|                | 
|1122(d)(4)(vii) |  | During the year ended December 31, 2013, it was determined certain foreclosure                   
|                | 
|                |  | proceedings were not concluded in accordance with the published Fannie Mae foreclosure timelines.

In our opinion, except for the material noncompliance described in the preceding paragraph, the Company complied, in all
material respects, with the aforementioned applicable servicing criteria for PHH Mortgage Corporations Regulation AB Platform as of and for the year ended December 31, 2013.

/s/ Deloitte & Touche LLP

February 28, 2014



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