Exhibit
      35 b)




[HOME
      LOAN SERVICES LOGO]





FORM
      OF
      ANNUAL OFFICER'S CERTIFICATE








March
      1,
      2007








Aurora
      Loan Services LLC


Attention:
      Jerald W. Dreyer, FFMLT 2006-FF12


327
      Inverness Drive South, 3rd Fl.


Englewood,
      CO 80112





Structured
      Asset Securities Corp.


745
      Seventh Avenue, 7th Fl.


New
      York,
      NY 10019





Lehman
      Brothers Holdings, Inc.


Attn:
      Manager, Contract Finance, FFMLT 2006-FF12


745
      Seventh Avenue, 7th Fl.


New
      York,
      NY 10019





U.S.
      Bank
      National Association


Attn:
      Diana Kenneally


One
      Federal Street, 3rd Floor


Boston,
      MA 02110








RE:  Annual
      officer’s certificate delivered pursuant to Section 5.05 of that certain
      securitization servicing agreement, dated as of August 1, 2006 (the
“Agreement”), by and among Lehman Brothers Holdings Inc., Home Loan Services,
      Inc., f/k/a National City Home Loan Services, Inc., as servicer (the “Servicer”)
      and Aurora Loan Services LLC, as master servicer, and acknowledged by U.S.
      Bank
      National Association, as Trustee, relating to the issuance of the First Franklin
      Mortgage Loan Trust Mortgage Pass-Through Certificates, Series
      2006-FF12





Steven
      A.
      Baranet, the undersigned, a duly authorized Vice President of the Servicer,
      does
      hereby certify the following for the 2006 ending on December 31,
      2006:





1.  A
      review
      of the activities of the Servicer during the preceding calendar year (or portion
      thereof) and of its performance under the Agreement for such period has been
      made under my supervision.





2.  To
        the
        best of my knowledge, based on such review the Servicer has fulfilled all
        of its
        obligations under the Agreement in all material respects throughout such
        year.





3.  Although
        it did not appear initially that the material instances of noncompliance
        impacted the servicing Issuing Entity, it is possible, upon further review
        of
        such material instances of noncompliance, that such noncompliance could have
        impacted the servicing of the Issuing Entity. Remediation plans have been
        implemented to remedy such material instances of
        noncompliance.





Certified
      By:





/s/
      Steven A. Baranet


Name:
      Steven A. Baranet


Title:
      Vice President


0-2









`Relevant Servicing Criteria

Servicing Criteria                                                                                                Home Loan
                                                                                                                  Services, Inc.
                                                                                                                  Reference
                                                                                                                  Criteria


General Servicing Considerations

1122(d)(1)(i)        Policies and procedures are instituted to monitor any performance or
                     other triggers and events of default in accordance with the transaction
                     agreements.                                                                                  X

1122(d)(1)(ii)       If any material servicing activities are outsourced to third parties, policies
                     and procedures are instituted to monitor the third party's performance and
                     compliance with such servicing activities.                                                   X


1122(d)(1)(iii)      Any requirements in the transaction agreements to maintain a back-up
                     servicer for the mortgage loans are maintained.                                              N/A


1122(d)(1)(iv)       A fidelity bond and errors and omissions policy is in effect on the patty
                     participating in the servicing function throughout the reporting period in
                     the amount of coverage required by and otherwise in accordance with the
                     terms of the transaction agreements.                                                         X

                     Cash Collection and Administration

1122(d)(2)(i)        Payments on mortgage loans are deposited into the appropriate custodial
                     bank accounts and related bank clearing accounts no more than two
                     business days following receipt, or such other number of days specified
                     in the transaction agreements.                                                               X

1122(d)(2)(ii)       Disbursements made via wire transfer on behalf of an obligor or to an
                     investor are made only by authorized personnel.                                              X

1122(d)(2)(iii)      Advances of finds or guarantees regarding collections, cash flows or
                     distributions, and any interest or other fees charged for such advances,
                     are made, reviewed and approved as specified in the transaction
                     agreements.                                                                                  X

1122(d)(2)(iv)       The related accounts for the transaction, such as cash reserve accounts or
                     accounts established as a form of
                     overcollateralization, are separately maintained (e.g., with respect to
                     commingling of cash) as set forth in the transaction agreements.                             X

1122(d)(2)(v)        Each custodial account is maintained at a federally insured depository
                     institution as set forth in the transaction agreements. For purposes of this
                     criterion, "federally insured depository institution" with respect to a
                     foreign financial institution means a foreign financial institution
                     that meets the requirements of Rule 13k-l(b)(l) of the Securities
                     Exchange Act.                                                                                X

1122(d)(2)(vi)       Unissued checks are safeguarded so as to prevent unauthorized access.


Servicing Criteria                                                                                                Home Loan,
                                                                                                                  Services,

Reference Criteria

1122(d)(2)(vii)      Reconciliations are prepared on a monthly basis for all asset- backed securities related
bank accounts, including custodial accounts and related bank clearing accounts. These
reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank
statement cutoff date, or such other number of days specified in the transaction agreements; (C)
reviewed and approved by someone other than the person who prepared the reconciliation; and (0)
contain explanations for reconciling items. These reconciling items are resolved within 90 calendar
days of their original identification, or such other number of days specified in the transaction
agreements.                                                                                                       X

Investor Remittances and Reporting

Reports to investors, including those to be filed with the Commission, are maintained in accordance
with the transaction agreements and applicable Commission requirements. Specifically, such reports
(A) are prepared in accordance with timeframes and other tents set forth in the transaction
agreements; (B) provide information calculated in accordance with the terms specified in the
transaction agreements; (C) are filed with the Commission as required by its rules and regulations;
and (0) agree with investors' or the trustee's records as to the total unpaid principal balance and
number of mortgage loans serviced by the Servicer.                                                                A, B & D

Amounts due to investors are allocated and remitted in accordance with timeframes, distribution
priority and other terms set forth in the transaction agreements.                                                 X

Disbursements made to an investor are posted within two business days to the Servicer's investor
records, or such other number of days specified in the transaction agreements.                                    X

Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of
payment, or custodial bank statements.                                                                            X

Pool Asset Administration


Collateral or security on mortgage loans is maintained as required by the transaction agreements or
related mortgage loan documents.                                                                                  X

Mortgage loan and related documents are safeguarded as required by the transaction agreements                     N/A

Any additions, removals or substitutions to the asset pool are made, reviewed and approved in
accordance with any conditions or requirements in the transaction agreements.                                     x


Servicing Criteria                                                                                                Home Loan
                                                                                                                  Services, Inc.

Reference            Criteria

1122(d)(4)(iv)       Payments on mortgage loans, including any payoffs, made in accordance
                     with the related mortgage loan documents are posted to the Servicer's
                     obligor records maintained no more than two business days after receipt or
                     such other number of days specified in the transaction agreements, and
                     allocated to principal, interest or other items (e.g., escrow) in accordance
                     with the related mortgage loan documents.

1122(d)(4)(v)        The Servicer's records regarding the mortgage loans agree with the
                     Servicer's records with respect to an obligor's unpaid principal balance.                    X

1122(d)(4)(vi)       Changes with respect to the terms or status of an obligor's mortgage loans
                     (e.g., loan modifications or re-agings) are made, reviewed and approved by
                     authorized personnel in accordance with the transaction agreements and
                     related pool asset documents.                                                                X

1122(d)(4)(vii)      Loss mitigation or recovery actions (e.g., forbearance plans, modifications
                     and deeds in lieu of foreclosure, foreclosures and repossessions, as
                     applicable) are initiated, conducted and concluded in accordance with the
                     timeframes or other requirements established by the transaction agreements.                  X

1122(d)(4)(viii)     Records documenting collection efforts are maintained during the period a
                     mortgage loan is delinquent in accordance with the transaction agreements.
                     Such records are maintained on at least a monthly basis, or such other
                     period specified in the transaction agreements, and describe the entity's
                     activities in monitoring delinquent mortgage loans including, for example,
                     phone calls, letters and payment rescheduling plans in cases where
                     delinquency is deemed temporarily (e.g., illness or unemployment).                           X

1122(d)(4)(ix)       Adjustments to interest rates or rates of return for mortgage loans with
                     variable rates are computed based on the related mortgage loan documents.                    X

1122(d)(4)(x) Regarding any finds held in trust for an obligor (such as escrow accounts): (A) such funds
are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or
such other period specified in the transaction agreements; (B) interest on such finds Is paid, or credited,       x
to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds
are returned to the obligor within 30 calendar days of frill repayment of the related mortgage loans, or
such other number of days specified in the transaction agreements.



Servicing Criteria                                                                                                Home Loan
                                                                                                                  Services,
                                                                                                                  Inc.

Reference            Criteria

1122(d)(4)(xi)       Payments made on behalf of an obligor (such as tax or insurance
                     payments) are made on or before the related penalty or expiration dates,
                     as indicated on the appropriate bills or notices for such payments,
                     provided that such support has been received by the servicer at least 30
                     calendar days prior to these dates, or such other number of days
                     specified in the transaction agreements.
                                                                                                                  N/A
                                                                                                                  Servicing
                                                                                                                  Function
                                                                                                                  Participant

1122(d)(4)(xii)      Any late payment penalties in connection with any payment to be made
                     on behalf of an obligor are paid from the servicer's finds and not charged
                     to the obligor, unless the late payment was due to the obligor's error or
                     omission.
                                                                                                                  N/A
                                                                                                                  Servicing
                                                                                                                  Function
                                                                                                                  Participant

1122(d)(4)(xiii)     Disbursements made on behalf of an obligor are posted within two
                     business days to the obligor's records maintained by the servicer, or such
                     other number of days specified in the transaction agreements.                                X

1122(d)(4)(xiv)      Delinquencies, charge-off and uncollectible accounts are recognized and
                     recorded in accordance with the transaction agreements.                                      X

1122(d)(4)(xv)       Any external enhancement or other support, identified in Item 1114(a)(l)
                     through (3) or Item 1115 of Regulation AB, is maintained as set forth in
                     the transaction agreements.`