EXHIBIT 99.3

                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 14
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
12/31/1998   01/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   2,916,203.18     558,487.23       0.00



<CAPTION>


Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  558,487.23     0.00     3,474,690.41
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004



<PAGE>
                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 15
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
01/29/1999   02/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,484,460.24     542,205.10       0.00
02/26/1999   03/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,426,934.60     533,916.86       0.00
03/31/1999   04/26/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,755,517.28     525,949.81       0.00
04/30/1999   05/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,733,203.36     516,148.17       0.00
05/28/1999   06/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   2,306,818.82     506,471.12       0.00


<CAPTION>
Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  542,205.10     0.00     2,026,665.34
  533,916.86     0.00     1,960,851.46
  525,949.81     0.00     2,281,467.09
  516,148.17     0.00     2,249,351.53
  506,471.12     0.00     2,813,289.94
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004



<PAGE>

                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 16
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
06/30/1999   07/26/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   2,191,845.01     493,591.38       0.00
07/30/1999   08/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   2,298,095.20     481,353.58       0.00
08/31/1999   09/27/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,223,488.41     468,522.55       0.00
09/30/1999   10/25/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,099,542.89     461,691.40       0.00
10/29/1999   11/26/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,508,747.62     455,552.29       0.00


<CAPTION>
Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  493,591.38     0.00     2,685,436.39
  481,353.58     0.00     2,779,448.78
  468,522.55     0.00     1,692,010.96
  461,691.40     0.00     1,561,234.29
  455,552.29     0.00     1,964,299.91
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004



<PAGE>

                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 17
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
11/30/1999   12/27/1999   1998-1/A1   1998-1/A1   294751AF9   132555119-2   1,573,771.43     447,128.45       0.00

                                TOTALS FOR Pool No. 1998-1/A1              21,518,628.04   5,991,017.94       0.00

12/31/1998   01/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2      24,660.71     145,432.81       0.00
01/29/1999   02/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     397,898.33     145,289.37       0.00
02/26/1999   03/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     333,053.33     142,974.92       0.00
03/31/1999   04/26/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     530,812.58     141,037.66       0.00


<CAPTION>
Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  447,128.45     0.00     2,020,899.88

    TOTALS FOR Pool No. 1998-1/A1

5,991,017.94     0.00    27,509,645.98

  145,432.81     0.00       170,093.52
  145,289.37     0.00       543,187.70
  142,974.92     0.00       476,028.25
  141,037.66     0.00       671,850.24
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004



<PAGE>


                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 18
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
04/30/1999   05/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     327,947.70     137,950.10       0.00
05/28/1999   06/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     302,821.62     136,042.54       0.00
06/30/1999   07/26/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     246,158.83     134,281.13       0.00
07/30/1999   08/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2   1,363,508.26     132,849.30       0.00
08/31/1999   09/27/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     466,426.90     124,918.23       0.00


<CAPTION>
Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  137,950.10     0.00       465,897.80
  136,042.54     0.00       438,864.16
  134,281.13     0.00       380,439.96
  132,849.30     0.00     1,496,357.56
  124,918.23     0.00       591,345.13
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004



<PAGE>

                       J-14, Year-To-Date Payment Report

Date: 02/17/2000                                                       Page: 19
                                                                       YTDPAYMT

<TABLE>
<CAPTION>

    EQUITY ONE ABS 1998-1 (0326)

  Record       Payable                                         Investor                                     Interest
   Date         Date       Pool No.     Series    Cusip No.     Tax ID        Principal      Interest      Adjustment
----------   ----------   ---------   ---------   ---------   -----------   ------------   ------------    ----------
<S>          <C>           <C>        <C>         <C>         <C>           <C>            <C>                <C>
09/30/1999   10/25/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     990,715.25     122,205.18       0.00
10/29/1999   11/26/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     505,313.72     116,442.52       0.00
11/30/1999   12/27/1999   1998-1/A2   1998-1/A2   294751AG7   132555119-2     333,659.32     113,503.28       0.00

                                TOTALS FOR Pool No. 1998-1/A2               5,822,976.55   1,592,927.04       0.00

<CAPTION>
Net Interest                 Total
Distribution     Other    Distribution
------------     -----    ------------
<S>              <C>      <C>
  122,205.18     0.00     1,112,920.43
  116,442.52     0.00       621,756.24
  113,503.28     0.00       447,162.60

     TOTALS FOR Pool No. 1998-1/A2

1,592,927.04     0.00     7,415,903.59
</TABLE>

                          Registration:  CEDE & CO
                                         C/O THE DEPOSITORY TRUST COMPANY
                                         P.O. BOX 20
                                         BOWLING GREEN STATION
                                         NEW YORK, NY 10004