Exhibit 99.2


REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Audit Committee of
 Ameriquest Mortgage Company:

We have examined management's assertion that Ameriquest Mortgage Company (the
"Company") has complied as of and for the year ended December 31, 2005, with its
established minimum servicing standards described in the accompanying
Management's Assertion, dated March 10, 2006. Management is responsible for the
Company's compliance with those minimum servicing standards. Our responsibility
is to express an opinion on management's assertion about the Company's
compliance 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 and accordingly,
included examining, on a test basis, evidence about the Company's compliance
with its minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. 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 its minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2005, is fairly stated, in all material respects based on the criteria set
forth in Appendix I.

/s/ Deloitte & Touche LLP

March 10, 2006
Costa Mesa, California




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[LOGO] AMERIQUEST(R) MORTGAGE COMPANY

March 10, 2006

Management's Assertion

As of and for the year ended December 31, 2005, Ameriquest Mortgage Company (the
"Company") has complied, in all material respects, with the Company's
established minimum servicing standards for residential mortgage loans as set
forth in Appendix I (the "Standards"). The Standards are based on the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers.

As of and for this same period, the Company had in effect a fidelity bond in the
amount of $100,000,000 and errors and omissions policy ranging from $15,000,000
to $20,000,000.


/s/ Aseem Mital
---------------------------------------
Aseem Mital
President
Chief Executive Officer


/s/ Jane Johnson
---------------------------------------
Jane Johnson
Executive Vice President Loan Servicing
AMC Mortgage Services, Inc.


/s/ Karen Christensen
---------------------------------------
Karen Christensen
Executive Vice President
Chief Financial Officer


 1100 Town & Country Road, Suite 1100, Orange, CA 92868 o Phone (714) 564-0600

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                                                                   EQUAL HOUSING
                                                                   LENDER
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                                                                      APPENDIX I

MINIMUM SERVICING STANDARDS
AS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF AMERICA'S
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

I.    Custodial Bank Accounts

      1.    Reconciliations shall be prepared on a monthly basis for all
            custodial bank accounts and related bank clearing accounts. These
            reconciliations shall:

            a.    Be mathematically accurate

            b.    Be prepared within forty-five (45) calendar days after the
                  cutoff date

            c.    Be reviewed and approved by someone other than the person who
                  prepared the reconciliation

            d.    Document explanations for reconciling items. These reconciling
                  items shall be resolved within ninety (90) calendar days of
                  their original identification.

      2.    Funds of the servicing entity shall be advanced in cases where there
            is an overdraft in an investor's or a mortgagor's account.

      3.    Each custodial account shall be maintained at a federally insured
            depository institution in trust for the applicable investor.

      4.    Escrow funds held in trust for a mortgagor shall be returned to the
            mortgagor within thirty (30) calendar days of payoff of the mortgage
            loan.

II.   Mortgage Payments

      1.    Mortgage payments shall be deposited into the custodial bank
            accounts and related bank clearing accounts within two business days
            of receipt.

      2.    Mortgage payments made in accordance with the mortgagor's loan
            documents shall be posted to the applicable mortgagor records within
            two business days of receipt.

      3.    Mortgage payments shall be allocated to principal, interest,
            insurance, taxes, or other escrow items in accordance with the
            mortgagor's loan documents.

      4.    Mortgage payments identified as loan payoffs shall be allocated in
            accordance with the mortgagor's loan documents.

III.  Disbursements

      1.    Disbursements made via wire transfer on behalf of a mortgagor or
            investor shall be made only by authorized personnel.

      2.    Disbursements made on behalf of a mortgagor or investor shall be
            posted within two business days to the mortgagor's or investor's
            records maintained by the servicing entity.


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      3.    Tax and insurance payments shall be made on or before the penalty or
            insurance policy expiration dates, as indicated on tax bills and
            insurance premium notices, respectively, provided that such support
            has been received by the servicing entity at least thirty (30)
            calendar days prior to these dates.

      4.    Any late payment penalties paid in conjunction with the payment of
            any tax bill or insurance premium notice shall be paid from the
            servicing entity's funds and not charged to the mortgagor, unless
            the late payment was due to the mortgagor's error or omission.

      5.    Amounts remitted to investors per the servicer's investor reports
            shall agree with cancelled checks, or other form of payment, or
            custodial bank statements.

      6.    Unused checks shall be safeguarded so as to prevent unauthorized
            access.

IV.   Investor Accounting and Reporting

      1.    The servicing entity's investor reports shall agree with, or
            reconcile to, investors' records on a monthly basis as to the total
            unpaid principal balance and number of loans serviced by the
            servicing entity.

V.    Mortgagor Loan Accounting

      1.    The servicing entity's mortgage loan records shall agree with, or
            reconcile to, the records of mortgagors with respect to the unpaid
            principal balance on a monthly basis.

      2.    Adjustments on ARM loans shall be computed based on the related
            mortgage note and any ARM rider.

      3.    Escrow accounts shall be analyzed, in accordance with the
            mortgagor's loan documents, on at least an annual basis.

      4.    Interest on escrow accounts shall be paid, or credited, to
            mortgagors in accordance with the applicable state laws.

VI.   Delinquencies

      1.    Records documenting collection efforts shall be maintained during
            the period a loan is in default and shall be updated at least
            monthly. Such records shall describe the entity's activities in
            monitoring delinquent loans including, for example, phone calls,
            letters, and mortgage payment rescheduling plans in cases where the
            delinquency is deemed temporary (e.g., illness or unemployment).

VII.  Insurance Policies

      1.    A fidelity bond and errors and omissions policy shall be in effect
            on the servicing entity throughout the reporting period in the
            amount of coverage represented to investors in management's
            assertion.


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