Exhibit 99.2

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                 Report on Management's Assertion on Compliance
               with Minimum Servicing Standards Set Forth in the
             Uniform Single Attestation Program for Mortgage Bankers

                        Report of Independent Accountants

The Members of Centex Home Equity Company, LLC
and Subsidiaries and CTX Mortgage Funding, LLC

We have examined management's assertion, included in the accompanying report
titled Report of Management, that Centex Home Equity Company, LLC and
Subsidiaries and CTX Mortgage Funding, LLC (collectively, the Companies)
complied with the minimum servicing standards as stated in Attachment A, which
were derived from the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) during the twelve month period
ended December 31, 2005. Management is responsible for the Companies' compliance
with those requirements. Our responsibility is to express an opinion on
management's assertion about the Companies' compliance based on our examination.

Our examination was made in accordance with attestation standards established by
the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Companies' compliance
with those requirements 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 Companies' compliance with specified requirements.

In our opinion, management's assertion that the Companies complied with the
aforementioned requirements during the twelve month period ended December 31,
2005 is fairly stated, in all material respects.

                                                      /s/ Ernst & Young LLP

March 10, 2006


                    A Member Practice of Ernst & Young Global
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                                  Attachment A

                      Specified Minimum Servicing Standards

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. The cutoff date is the date as of which a bank
                account is reconciled every month. It may, or may not, coincide
                with a prescribed investor reporting date but shall be
                consistent from period to period;

            c)  be reviewed and approved by someone other than the person who
                prepared the reconciliation; and

            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 (2) 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 (2) 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 (2) business days to the mortgagor's or investor's
            records maintained by the servicing entity.

      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.
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                                  Attachment A

      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 flunds 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)    Unissued 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 adjustable rate mortgage (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 (i.e., 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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  [LOGO]
  CENTEX
HOME EQUITY

           Management's Assertion on Compliance with Minimum Servicing
                   Standards Set Forth in the Uniform Single
                    Attestation Program for Mortgage Bankers

                              Report of Management

We, as members of management of Centex Home Equity Company, LLC and Subsidiaries
and CTX Mortgage Funding, LLC (collectively, the Companies), are responsible for
complying with the minimum servicing standards in Attachment A (the "minimum
servicing standards") as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP). We are
also responsible for establishing and maintaining effective internal control
over compliance with these standards. We have performed an evaluation of the
Companies' compliance with the minimum servicing standards as set forth in the
USAP as of December 31, 2005 and for the twelve month period then ended. Based
on this evaluation we assert that during the twelve month period ended December
31, 2005, the Companies complied, in all material respects, with the minimum
servicing standards set forth in the USAP.

As of and of this same period, the Companies had in effect a fidelity bond
(crime) policy in the amount of $25,000,000 and an errors and omissions policy
in the amount of $6,000,000.


                2828 N. Harwood Street, Dallas, Texas 75201-1616
           Mailing Address: P.O. Box 199000, Dallas, Texas 75219-9000
                            www.CentexHomeEquity.com
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                                                                     Page 2 of 2


                              /s/ Jay Bray
                              --------------------------------------------------
                              Jay Bray
                              Executive Vice President - Chief Financial Officer


                              /s/ Jerry Berrens
                              --------------------------------------------------
                              Jerry Berrens
                              Vice President - Controller

March 10, 2006