SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-K/A
                                 Amendment No.1


(Mark One)

/     x / ANNUAL  REPORT  PURSUANT  TO  SECTION  13 OR  15(d) OF THE  SECURITIES
      EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 or

/   / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934


      Commission File No.:   333-35026-03

                         Amortizing Residential Collateral Trust
                         Mortgage Pass-Through Certificates
                         Series 2000-BC3 Trust
        (Exact name of registrant as specified in its charter)



New York                           52-2291485
                                   52-2291489
 (State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, Maryland                            21045
(Address of principal executive offices)     (ZIP Code)


Registrant's telephone number, including area code:
     (410) 884-2000

Securities to be registered pursuant to Section 12(b) of the Act:

     NONE

Securities to be registered pursuant to Section 12(g) of the Act:

     NONE

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days.

     Yes   X          No ___


This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the  "Original  Form 10-K") filed on March 19, 2001, on behalf of
Amortizing Residential Collateral Trust Series 2000-BC3 Trust established
pursuant to the Trust Agreement among Structured Asset Securities Corporation,
as Depositor, Lehman Brothers Holdings Inc., as Seller, Wells Fargo Bank
Minnesota, National Association, as Master Servicer, The Murrayhill Company,
as Loss Mitigation Advisor, First Union National Bank, as Trustee and Federal
Home Loan Mortgage Corporation, as Guarantor, pursuant to which the Amortizing
Residential Collateral Trust Series 2000-BC3 Trust registered under the
Securities Act of 1933 (the "Certificates") were issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports
          on Form 8-K.

          (a) Exhibits

              (99.1) Annual   Independent    Accountants'    Servicing   Reports
                     concerning servicing activities for the year ended December
                     31, 2000.

                     a)  Option One <F1>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F1>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>

              (99.2) Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)  Option One <F1>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F1>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>


              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)  Option One <F3>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F3>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>


              (99.4) Aggregate Statement of Principal and Interest Distributions
                     to Certificate Holders. <F2>

            (b)  On November 8, 2000, December 11, 2000, and January 8, 2001,
                 reports  on Form 8-K  were  filed  by the  Company  in order to
                 provide the statements for the monthly distributions to holders
                 of the  Certificates.  No other  reports  on Form 8-K have been
                 filed  during the last  quarter  of the period  covered by this
                 report.

            (c) Not applicable.

            (d)  Omitted.

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not received by
      the reporting person.

                           SIGNATURE

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized:


Amortizing Residential Collateral Trust
Mortgage Pass-Through Certificates
Series 2000-BC3 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Master Servicer

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 17, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)  Option One <F1>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F1>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>


99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)  Option One <F1>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F1>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>

99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 2000.

                     a)  Option One <F3>
                     b)  Ocwen Federal Bank FSB <F1>
                     c)  Aurora Loan Services Inc. <F3>
                     d)  Ameriquest Mortgage <F1>
                     e)  Homeside Lending Inc. (FL) <F1>
                     f)  Life Savings Bank <F1>
                     g)  Wells Fargo Bank <F1>
                     h)  Long Beach Mortgage Co <F3>

99.4      Aggregate Statement of Principal and Interest Distributions to
          Certificate Holders.<F2>

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not
      received by the reporting person.


   EX-99.1 (a)

    PRICEWATERHOUSECOOPERS (logo)

    PricewaterhouseCoopers LLP
    4675 MacArthur Court Suite 1600
    Newport Beach CA 92660-9881
    Telephone (949) 251 7200
    Facsimile (949) 474 4382

    Report of Independent Accountants

    To Option One Mortgage Corporation

    We have examined management's assertion about Option One Mortgage
    Corporation's compliance with the minimum servicing standards identified
    in the Mortgage Bankers Association of America's Uniform Single Attestation
    Program for Mortgage Bankers ("USAP") as of and for the year ended
    April 30, 2000 included in the accompanying management assertion.
    Management is responsible for Option One Mortgage Corporation's
    compliance with those minimum servicing standards. Our responsibility
    is to express and opinion on management's assertion about the entity's
    compliance based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about Option One Mortgage
    Corporation's compliance with the minimum servicing standards 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 Option One
    Mortgage Corporation's compliance with the minimum servicing standards.

    In our opinion, management's assertion that Option One Mortgage Corporation
    complied with the aforementioned minimum servicing standards as of and for
    the year ended April 30, 2000 is fairly stated, in all material respects.



    Pricewaterhouse Coopers LLP
    June 12, 2000


   EX-99.1 (b)





    PRICEWATERHOUSECOOPERS   (logo)


    PricewaterhouseCoopers LLP
    200 East Las Olas Boulevard
    Suite 1700
    Ft. Lauderdale FL 33301
    Telephone (954) 764 7111
    Facsimile (954) 525 4453

          INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT'S REPORT

    To the Board of Directors of
    Ocwen Federal Bank FSB

    We have examined management's assertion, included in the accompanying
    Management Assertion on Compliance with USAP, that, except for the
    noncompliance related to account reconciliations and interest on escrows
    described in the third paragraph, Ocwen Federal Bank FSB ("the Bank")
    complied with the minimum servicing standards identified in the Mortgage
    Bankers Association of America's ("MBA's") Uniform Single Attestation
    Program for Mortgage Bankers ("USAP') as of and for the year ended December
    31, 2000. Management is responsible for the Bank's compliance with those
    minimum servicing standards. Our responsibility is to express an opinion on
    management's assertion about the Bank's compliance based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Bank's compliance
    with the minimum servicing standards and performing such other procedures
    as we consider 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 Bank's compliance with
    the minimum servicing standards.

    Our examination disclosed noncompliance with minimum servicing standards
    related to account reconciliations and interest on escrows applicable to the
    Bank during the year ended December 31, 2000. Such noncompliance is
    described in the accompanying Management Assertion on Compliance with USAP.

    In our opinion, management's assertion that the Bank complied with the
    aforementioned minimum servicing standards, except for noncompliance as
    described in the accompanying Management Assertion on Compliance with USAP,
    as of and for the year ended December 31, 2000 is fairly stated, in all
    material respects.



    PricewaterhouseCoopers LLP
    Fort Lauderdale, Florida
    March 30, 2001



EX-99.1 (c)

ERNST & YOUNG (LOGO)

Ernst & Young LLP
Suite 3300
370 17th Street
Denver, Colorado 80202-5663

Phone: (720) 931-4000
Fax: (720) 931-4444
www.ey.com

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 Board of Directors
Aurora Loan Services Inc.

We have examined  management's  assertion,  included in the accompanying  report
titled Report of  Management,  that Aurora Loan  Services  Inc. (the  "Company")
complied with the minimum servicing  standards set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage Bankers
("USAP") during the year ended November 30, 2000.  Management is responsible for
the Company's  compliance  with those  requirements.  Our  responsibility  is to
express an opinion on  management's  assertions  about the Company's  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 Company's  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 Company's compliance with specified requirements.

In our  opinion,  management's  assertion,  that the Company  complied  with the
aforementioned  requirements  during the year ended November 30, 2000, is fairly
stated, in all material respects.

Ernst & Young LLP

December 28, 2000


Ernst & Young LLP is a member of Ernst & Young International,Ltd.



EX-99.1 (d)

Deloitte & Touche LLP
Suite 1200
695 Town Center Drive
Costa Mesa, California 92626-1924

Tel: (714) 436-7100
Fax: (714) 436-7200
www.us.deloitte.com

Deloitte & Touche   (logo)



INDEPENDENT ACCOUNTANTS' REPORT

To Ameriquest Mortgage Company:

We have examined  management's  assertion about  Ameriquest  Mortgage  Company's
compliance  with the minimum  servicing  standards  identified  in the  Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP) as of and for the year ended  December 31, 2000,  included in the
accompanying  management  assertion.  Management is  responsible  for Ameriquest
Mortgage  Company's  compliance  with those  minimum  servicing  standards.  Our
responsibility  is to express an opinion  on  management's  assertion  about the
entity's compliance based on our examination.

Our  examination  was  made in  accordance  with  standards  established  by the
American  Institute of Certified Public Accountants and,  accordingly,  included
examining,  on a  test  basis,  evidence  about  Ameriquest  Mortgage  Company's
compliance  with the  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 Ameriquest  Mortgage Company's  compliance
with the minimum servicing standards.

In our opinion, management's assertion that Ameriquest Mortgage Company complied
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2000, is fairly stated, in all material respects.

      Deloitte & Touche LLP

      March 2, 2001

       Deloitte   (logo)
         Touche
       Tohmatsu

Carlsbad * Las Vegas * Los Angeles * Phoenix * Reno * San Diego



   EX-99.1 (e)

     KPMG      (logo)


     Suite 2700, Independent Square
     One Independent Drive
     PO. Box 190
     Jacksonville, FL 32201-0190

                          Independent Auditors' Report

    The Board of Directors
    HomeSide Lending, Inc.:

    We have examined management's assertion about HorneSide Lending, Inc. and
    subsidiaries' (the Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's Uniform
    Single Attestation Program for Mortgage Bankers and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amount of $76
    million and $20 million., respectively, as of and for the year ended
    September 30, 2000. included in the accompanying management assertion letter
    dated December 1, 2000, 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 made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the 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 the
    minimum servicing standards.

    In our opinion, management's assertion that HomeSide Lending, Inc. and
    subsidiaries has complied in all material respects with the aforementioned
    minimum servicing standards and that the Company had in effect a fidelity
    bond and errors and omissions policy in the amount of $76 million and $20
    million, respectively, as of and for the year ended September 30, 2000 is
    fairly stated, in all material respects.



    December 1, 2000


   EX-99.1 (f)

    Deloitte & Touche LLP
    Suite 3900
    111 S.W. Fifth Avenue
    Portland, Oregon 97204-3642

    Tel: (503) 222-1341
    Fax: (503) 224-2172
    www.us.deloitte.com
    Deloitte
    &Touche  (logo)




      INDEPENDENT ACCOUNTANTS' REPORT

     To Wilshire Credit Corporation:


     We have examined management's assertion about Wilshire Credit Corporation's
     (the "Company"), a majority-owned subsidiary of Wilshire Financial Services
     Group Inc., compliance with the minimum servicing standards identified in
     the Mortgage Bankers Association of America's Uniform Single Attestation
     Program for Mortgage Bankers (USAP) as of and for the year ended December
     31, 2000, included in the accompanying management assertion.  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 entity's compliance based on our examination.

     Our examination was made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about the Company's
     compliance with the 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 the 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, 2000 is fairly stated, in all material respects.

     March 23, 2001



   EX-99.1 (g)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


        INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion about Wells Fargo Home Mortgage's
compliance with the minimum servicing standards identified in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP) as of and for the year ended December 31, 2000, included in the
accompanying management assertion.  Management is responsible for Wells Fargo
Home Mortgage's compliance with those minimum servicing standards.  Our
responsibility is to express an opinion on management's assertion about the
entity's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about Wells Fargo Home Mortgage's
compliance with the 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 Wells Fargo Home Mortgage's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Wells Fargo Home Mortgage complied
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2000, is fairly stated, in all material respects.

January 16, 2001







     EX-99.2 (a)

     MANAGEMENT ASSERTION




    As of and for the period ended April 30, Option One Mortgage (the  Company)
    has complied in all material with the minimum servicing standards set forth
    in the Mortgage Bankers Association of America's Uniform Single Attestation
    Program for Mortgoage Bankers.  As of and for this same period, the Company
    had in effect a fidelity bond and errors and omissions policy in the amount
    of $5,000,000.

    William L. O'Neill. CFO

    June 15, 2001
    Date



  EX-99.2 (b)

    0 C W E N     (logo)


              MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP




    March 30,2001

    As of and for the year ended December 31, 2000, except as specifically noted
    below, Ocwen Federal Bank FSB (the  "Bank") has complied in all material
    respects with the minimum servicing standards set forth in the Mortgage
    Bankers Association of America's ("MBA's") Uniform Single Attestation
    Program for Mortgage Bankers ("USAP").

      Standard:  Reconciliations shall be prepared on a monthly basis for all
      custodial bank accounts and related bank clearing accounts.  These
      reconciliations shall be mathematically accurate, be prepared
      within fortyfive (45) calendar days of the cutoff date; be reviewed and
      approved by someone other than the person who prepared the reconciliation;
      and document explanations for reconciling items.  These reconciling items
      shall be resolved within ninety (90) calendar days of their original
      identification.

      Certain reconciling items which arose during the year ended December 31,
      2000 were not specifically identified and/or were not cleared within 90
      days of their original identification.  Management has developed and
      implemented an action plan and continues to resolve outstanding
      reconciling items.  All significant reconciling items have been isolated
      and reviewed by the Company, and the Company believes these items will not
      have a material impact on the status of any custodial accounts.

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

      Interest on escrow accounts in one state was not paid, or credited, to
      mortgagors in accordance with the applicable state law during the year
      ended December 31, 2000.  Interest in escrow was paid on an annual basis
      rather than on a quarterly basis.

    As of and for this same period, the Bank had in effect a fidelity bond in
    the amount of $15,000,000 and an errors and omissions policy in the amount
    of $10,000,000.

    Ronald M. Faris
    President

    Scott W. Anderson
    Vice Presidentof Residential Assets

    Arthur J. Castner
    Vice President, Mortgage & Servicing Operations

    James D. Campbell
    Director of Investor Reporting












   EX-99.2 (c)

 ALS    (LOGO)
 AURORA LOAN
 SERVICES INC

Corporate Headquarters / 2530 S. Parker Rd., Suite 601 / Aurora, CO 80014
Phone: 303-632-3000 800-880-0128 / fax: 303-632-3001



December 28, 2000

Ernst & Young LLP
370 17th Street, Suite 4300
Denver, CO 80202


In connection with your compliance attestation engagement relating to our
assertion about Aurora Loan Services Inc.'s (the "Company') compliance with the
minimum servicing standards as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of
November 30, 2000 and for the year then ended, we recognize that obtaining
representations from us concerning the information contained in this letter is a
significant procedure in enabling you to form an opinion on whether our
assertion about the Company's compliance with the minimum servicing standards as
set forth in the USAP is fairly stated in all material respects. Accordingly, we
make the following representations with respect to our compliance with the
minimum servicing  requirements as set forth in the USAP as of November 30, 2000
and for the year then ended, which are true to the best of our knowledge and
belief.

We acknowledge that, as members of management of the Company, we are responsible
for complying with the minimum servicing  standards as set forth in the USAP. We
are also responsible for establishing and maintaining effective internal control
over compliance with these standards.  We have performed an evaluation of the
Company's compliance with the minimum servicing standards referred to above as
of November 30, 2000 and for the year then ended. Based on this evaluation, the
Company has complied with the minimum  servicing  standards as set forth in the
USAP.

There has been no known  noncompliance with minimum servicing  standards for the
November 30, 2000 through the date of your attestation examination report.

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

We have made available to you all documentation related to compliance with the
minimum servicing standards.

There has been no fraud involving  management or employees who have significant
roles in internal control over compliance with the minimum servicing standards.
There has been no fraud involving other employees that could have a material
effect on compliance with the minimum servicing standards.

There have been no communications from regulatory agencies concerning possible
noncompliance with the minimum servicing standards for the year ended November
30, 2000 and through the date of your attestation examination report.

No events or  transactions have occurred since November 30, 2000 or are pending
that would have an effect on our compliance with minimum servicing  standards at
that date or for the year then ended.

We understand that your examination was conducted in accordance with attestation
standards established by the American Institute of Certified Public Accountants
and was, therefore, designed primarily for the purpose of expressing an opinion
on whether our assertion is fairly stated in all material respects based on
criteria established by the Mortgage Bankers Association of America and that
your procedures were limited to those that you considered necessary for that
purpose.

Very truly yours,

Ralph A. Lenzi III
Chief Executive Officer

Rick W. Skogg
President

Barry M. Hansen
Chief Financial Officer


   EX-99.2 (d)

(LOGO) AMERIQUEST MORTGAGE COMPANY


March 2, 2001


Deloitte & Touche LLP
695 Town Center Drive
Suite 1200
Costa Mesa, CA 92626


As of and for the year ended December 31, 2000,  Ameriquest Mortgage Company has
complied in all material respects with the minimum servicing standards set forth
in the Mortgage  Bankers  Association of America's  Uniform  Single  Attestation
Program  for  Mortgage  Bankers.  As of and for  this  same  period,  Ameriquest
Mortgage  Company had in effect a fidelity bond in the amount of $10,000,000 and
an errors and omissions policy ranging from $6,425,000 to $10,000,000.


    Kirk Langs
    President

    Elaine Markell
    Executive Vice President
    Loan Servicing

    John P. Grazer
    Executive Vice President
    Chief Financial Officer


1100 Town and Country Road, 11th Floor, Orange, California 92868
(714) 564-0600 Fax (714) 558-0783


   EX-99.2 (e)

HOMESIDE
LENDING, INC.  (logo)




Management Assertion Letter



As of and for the year ended September 30, 2000, HomeSide Lending,
Inc. and subsidiaries has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for
Mortgage Bankers. As of and for this same period, HomeSide Lending had
in effect a fidelity bond and errors and omissions policy in the
amount of $76 million and $20 million, respectively.




William Glasgow, Jr.





December 1, 2000







Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209


   EX-99.2 (f)

 WILSHIRE FUNDING COPRORATION      (logo)
 P.O. Box 8517 * Portland, Oregon 97207-8517 * (888) 502-0100
 fax (503) 952-7476 * www.wfsg.com



                    MANAGEMENT'S ASSERTION ON MINIMUM SERVICING
                                     STANDARDS


        As of and for the year ended December 31, 2000, Wilshire Funding and
        Subsidiaries has complied in all material respects with the minimum
        servicing standards set forth in the Mortgage Banker's Association of
        America's Uniform Single Attestation Program for Mortgage Bankers. As of
        and for this same period, Wilshire Funding Corporation and Subsidiaries
        had in effect a fidelity bond in the amount of $10,000,000.00 and an
        errors and omission policy in the amount of $5,000,000.00.

        Jay Memmott
        Vice President/Chief Servicing Officer
        March 23,2001

        Bruce Weinstein
        Chief Financial Officer
        March 23, 2001



   EX-99.2 (g)


      Wells Fargo Home Mortgage   (logo)
      1 Home Campus
      Des Moine, IA 50328-0001


      Management Assertion



      As of, and for the year ended December 31,2000, Wells Fargo Home Mortgage
      has complied in all material respects with the minimum servicing standards
      set forth in the Mortgage Bankers Association of America's Uniform Single
      Attestation Program for Mortgage Bankers.  As of, and for the same period,
      Wells Fargo Home Mortgage had in effect a fidelity bond along with an
      errors and omissions policy in the amounts of $50 million and $10 million,
      respectively.



     Pete Wissinger                                    Date
     Chief Exicutive


     Geoff Dreyer                                      Date
     Chief Financial Officer


     Mike Heid                                         Date
     Executive Vice President Loan Servicing




   EX-99.3 (b)

    0 C W E N    (logo)



    OFFICER'S CERTIFICATION ON ANNUAL STATEMENT AS TO COMPLIANCE


    March 30, 2001

    Pursuant to the applicable sections of the Servicing Agreements, I, Scott W.
    Anderson as officer of Ocwen Federal Bank FSB (the "Bank") confirm that a
    review of the activities of the Bank ended December 31, 2000 and of
    performance under the Servicing  Agreements has been made under my
    supervision. To the best of my knowledge, based on such review, the Bank has
    fulfilled all of its obligations under the Servicing Agreements throughout
    the period, other than as noted in the Management Assertion on Compliance
    With USAP.

    Scott W. Anderson

    Vice President Residential Assets


   EX-99.3 (d)

AMERIQUEST MORTGAGE COMPANY  (logo)

To Distribution List

Re: Officer's Certificate

Dear Sir/Madam:

The undersigned Officer certifies the following for the 2000 fiscal year.

(A)    I have reviewed the activities and performance of the Servicer during the
       preceding fiscal year under the terms of the applicable Servicing
       Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
       Seller/Servicer Guide and to the best of this Officer's knowledge, the
       Servicer has fulfilled all of its duties, responsibilities or obligations
       under these Agreements throughout such year, or if there has been a
       default or failure of the servicer to perform any of such duties,
       responsibilities or obligations, a description of each default or
       failure and the nature and status thereof has been reported as
       appropriate and is set forth below.

       Exceptions:

       (None)


(B)    The Servicer is currently an approved FNMA or FHLMC servicer in good
       standing;

(C)    The Fidelity Bond and the Errors and Omissions Insurance Policy required
       under the terms of the applicable Servicing Agreement, Trust Agreement,
       Pooling and Servicing Agreement and/or Seller/Service Guide are in full
       force and effect and a copy of the related declaration page evidencing
       such policy is enclosed herewith;

(D)    All Custodial Accounts have been reconciled in accordance with the terms
       of the applicable Servicing Agreement, Trust Agreement, Pooling and
       Servicing Agreement and/or Seller/Servicer Guide.

This certification covers the period of January 1, 2000 through December
31, 2000.

AMERIQUEST MORTGAGE COMPANY

By:  Elaine Markell
Title: Executive Vice President,



   EX-99.3 (e)


       HOMESIDE   (logo)
       LENDING, INC.





       June 21, 2001


       Ms. Dionne Dixon
       Wells Fargo Bank Minnesota
       11000 Broken Land Parkway
       Columbia, Maryland 21044

       Re:  Annual Officer's Certification
            Fiscal Year Ending September 30, 2000

       Dear Ms. Dixon:

       HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities
       on the mortgage loans HomeSide services on behalf of Wells Fargo Bank
       Minnesota.  This review was conducted for the purpose of determining if
       the servicer has met all servicing obligations under the agreement
       covering these mortgage loans.

       HomeSide, upon my investigation and to the best of my knowledge, has
       conducted its servicing activities in compliance with the agreement and
       is not in default in the fulfillment of any obligations of the agreement.
       Further, all real estate taxes and hazard insurance premiums have been
       paid as and when due.

       I apologize for the oversight in sending. Should you have any questions
       please contact Lynda M. Pohwat at (904)281-4705 or Lmpohwat@homeside.com.

       Sincerely,



       Karen Bryan
       Vice President








   EX-99.3 (f)

    WILSHIRE CREDIT CORPORATION   (logo)
    1776 S.W. Madison Street
    Portland, Oregon 97205
    (503) 223-5600



    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Compliance Department

    Re: Officer's Certificate


    Dear Master Servicer:


    The undersigned Officer certifies the following for the 2000 fiscal year.

       (i)  A review of the activities of the Servicer during the preceding
            fiscal year and of the Servicer's performance of the Servicer under
            the terms of the Servicing Agreement with respect to such Loans has
            been made under the supervision of the officer who signed such
            Officer's Certificate;

       (ii) To the best of such officer's knowledge, based on such review, the
            Servicer has fulfilled all its obligations under this Agreement
            throughout such year, or if there has been a default in the
            fulfillment of any such obligation, such Officer's Certificate shall
            specify each such default known to such signer and the nature and
            status thereof and what action the Servicer proposes to take with
            respect thereto.


       Certified By:

       Officer David Hardy

       Title Vice President

       April 20, 2001
       Date



      TOLL FREE PHONE:(800)776-0100  TOLL FREE FAX:(800) 776-6599
      FAX: (503)223-8799  TELEX:376-2848 TO:EASYPLEX 75716, 1350






   EX-99.3 (g)

      WELLS FARGO HOME MORTGAGE (Logo)
      One Home Campus
      Des Moines, IA 50328-0001



      March 20, 2001



      Re: 2000 Annual Certification

      We hereby certify to the best of our knowledge and belief that for the
      calendar year of 2000:

      1. All real estate taxes, bonds assessments and other lienable items
         have been paid.

      2. All FHA mortgage insurance, private mortgage insurance premiums, and
         flood insurance have been paid (if applicable).

      3. Hazard insurance policies held by us meet the requirements as specified
         in the servicing agreement or those of a normal prudent lender if
         not specified, and those premiums due have been paid.

      4. We have made all property inspections as required.

      5. Fidelity bond and Errors and Omissions insurance coverage currently
         exists.

     6.  That the Officer signing this certificate has reviewed the activities
         and performance of the Servicer during the preceding fiscal year under
         the terms of the Servicing Agreement, Trust Agreement, Pooling and
         Servicing Agreement and/or Seller/Servicer Guide or similar agreements
         and to the best of this officer's knowledge, the Servicer has fulfilled
         all of its duties, responsibilities or obligations of such agreement
         throughout the year, or if there has been a default or failure of the
         servicer to perform any of such duties, responsibilities or
         obligations, a description of each default or failure and the nature
         and status thereof has been reported.




      Sincerely,


      John B. Brown
      Vice President
      Wells Fargo Home Mortgage, Inc.