OFFICER'S CERTIFICATE

I, Joseph  Candelario,  hereby certify that I am the First Vice President,  Loan
Administration  of  Countrywide  Home  Loans,  Inc.,  fka   Countrywide  Funding
Corporation  and further  certify with respect  to  the  Pooling  and  Servicing
Agreements  for  Fixed  Rate  Mortgage  Loans ( Investor #751) by and among  The
Prudential  Home Mortgage Company, Inc., and Countrywide Funding Corporation, as
Servicer, as follows:

I have reviewed the activities and performance of the Servicer during the fiscal
year  ended  February  28,  1997  under the  Agreements  and,  to the best of my
knowledge,  based on my review,  the Servicer has  fulfilled  all of its duties,
responsibilities or obligations under the Agreements throughout the fiscal year.




                                              /s/Joseph Candelario    5-23-97
                                              Joseph Candelario         Date
                                              First Vice President
                                              Loan Administration









                                                                       Inv#751





                              OFFICER'S CERTIFICATE

I, Joseph  Candelario,  hereby certify that I am the First Vice President,  Loan
Administration  of  Countrywide  Home  Loans,  Inc.,  fka,  Countrywide  Funding
Corporation, and further  certify  with  respect to the  Pooling  and  Servicing
Agreements for  Conventional Residential  Fixed  Rate & Adjustable Rate Mortgage
Loans (Inv. 977) by and amoung Norwest Bank of Minnesota and Countrywide Funding
Corporation, as Servicer, as follows:

I have reviewed the activities and performance of the Servicer during the fiscal
year  ended  February  28,  1997  under  the  Agreement  and,  to the best of my
knowledge,  based on my review,  the Servicer has  fulfilled  all of its duties,
responsibilities or obligations under the Agreement through the fiscal year.



                                               /s/ Joseph Candelario    5-23-97
                                               Joseph Candelario         Date
                                               First Vice President
                                               Loan Administration




                                                                        Inv. 977



                              OFFICER'S CERTIFICATE


1, Joseph  Candelario,  hereby certify that I am the First Vice President,  Loan
Administration  of Countrywide Home Loans  Inc., fka  Countrywide  Funding
Corporation  and further  certify  with  respect to the  Pooling  and  Servicing
Agreements  for Fixed Rate  Mortgage  Loans (Investor # 752) by and among Morgan
Guaranty  Trust  Company  of  New  York  and Countrywide Funding Corporation, as
Servicer, as follows:

I have reviewed the activities and performance of the Servicer during the fiscal
year  ended  February  28,  1997  under  the  Agreements and,  to the best of my
knowledge,  based on my review,  the Servicer has  fulfilled  all of its duties,
responsibilities or obligations under the Agreement throughout the fiscal year.



                                               /s/Joseph Candelario    5-23-97
                                               Joseph Candelario       Date
                                               First Vice President
                                               Loan Administration




                                                                      Inv# 752