UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 10-K

[X]     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
        ACT OF 1934 for the fiscal year ended December 31, 2006
                                       OR
[ ]     TRANSITION REPORT  PURSUANT TO  SECTION  13 OR 15(d) OF  THE  SECURITIES
        EXCHANGE ACT OF 1934 for the transition period from           to

                                        Commission File Number: 333-117573-04

                      ORIGEN RESIDENTIAL SECURITIES, INC.
             (Exact name of registrant as specified in its charter)

                ORIGEN MANUFACTURED HOUSING CONTRACT TRUST 2006-A
                                (Issuing Entity)

                       ORIGEN RESIDENTIAL SECURITIES, INC.
              (Exact name of Depositor as specified in its charter)

                             ORIGEN FINANCIAL L.L.C.
               (Exact name of Sponsor as specified in its charter)

         DELAWARE                                            20-1370314
State or other jurisdiction of                           (I.R.S. Employer
incorporation or organization                            Identification No.)

27777 South Franklin Road, Suite 1700
Southfield, Michigan                                            48034
(Address of Principal Executive Offices)                      (Zip Code)

       Registrant's telephone number, including area code:  (248) 644-5595

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the  registrant is a well-known  seasoned  issuer,  as
defined in Rule 405 of the Securities Act.  Yes [ ]  No [X]

Indicate  by  check  mark if the  registrant  is not  required  to file  reports
pursuant to Section 13 or Section 15(d) of the Act.  Yes [ ]  No [X]

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 [ ]

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation  S-K (229.405 of this chapter) is not contained  herein,  and will
not be contained,  to the best of registrant's knowledge, in definitive proxy or
information  statements  incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K.  [X]

Indicate by check mark whether the registrant is a large  accelerated  filer, an
accelerated  filer, or a  non-accelerated  filer. See definition of "accelerated
filer and large accelerated filer" in Rule 12-b-2 of the Exchange Act.

Large accelerated filer [ ]   Accelerated filer [ ]   Non-accelerated filer [X]

Indicate by check mark whether the  registrant is a shell company (as defined in
Rule 12b-2 of the Act).  Yes [ ]  No [X]

State the aggregate market value of the voting and non-voting common equity held
by non-affiliates  computed by reference to the price at which the common equity
was last sold, or the average bid and asked price of such common  equity,  as of
the last business day of the registrant's most recently  completed second fiscal
quarter.  Not Applicable.

Indicate the number of shares outstanding of each of the registrant's classes of
common stock, as of the latest practicable date.  Not Applicable.

                      DOCUMENTS INCORPORATED BY REFERENCE

List hereunder the following documents if incorporated by reference and the part
of the Form 10-K  (e.g.,  Part I, Part II,  etc.)  into  which the  document  is
incorporated:   (1  Any  annual  report  to  security  holders;  (2)  Any  proxy
information statement;  and, (3) Any prospectus filed pursuant to Rule 424(b) or
(c) under the  Securities Act of 1933.  The listed  documents  should be clearly
described for identification  purposes (e.g.,  annual report to security holders
for fiscal year ended date December 24, 1980).    None


<PAGE>

PART I

Item 1.  Business.

         Not Applicable.

Item 1A. Risk Factors.

         Not Applicable.

Item 1B. Unresolved Staff Comments.

         None.

Item 2.  Properties.

         Not Applicable.

Item 3.  Legal Proceedings.

         Not Applicable.

Item 4.  Submission of Matters to a Vote of Security Holders.

         None.

PART II

Item 5.  Market for Registrant's Common Equity,  Related Stockholder Matters and
         Issuer Purchases of Equity Securities.

         There   is  currently   no   established   secondary   market  for  the
         certificates  known  to the  Registrant.  As of December 31, 2006,  the
         number of  holders of  record for the  registered  certificates  was 12
         based on records provided by  The Depository Trust Company.

Item 6.  Selected Financial Data.

         Not Applicable.

Item 7.  Management's Discussion and Analysis of Financial Condition and Results
         of Operation.

         Not Applicable.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk.

         Not Applicable.

Item 8.  Financial Statements and Supplementary Data.

         Not Applicable.

Item 9.  Changes  in  and  Disagreements  With  Accountants  on  Accounting  and
         Financial Disclosure.

         None.

Item 9A. Controls and Procedures.

         Not Applicable.

Item 9B. Other Information.

         No other information.

                                      -2-

<PAGE>

PART III

Item 10. Directors, Executive Officers and Corporate Governance.

         Not Applicable.

Item 11. Executive Compensation.

         Not Applicable.

Item 12. Security  Ownership  of  Certain  Beneficial  Owners and Management and
         Related Stockholder Matters.

         Not Applicable.

Item 13. Certain Relationships and Related Transactions, and Director
         Independence.

         Not Applicable.

Item 14. Principal Accounting Fees and Services.

         Not Applicable.


PART IV

Item 15. Exhibits, Financial Statement Schedules.

         (a)(1) Financial Statements:
                Not Applicable.

         (a)(2) Financial Statement Schedules:
                Not Applicable.

         (a)(3) The following documents are filed as a part of this report:

                Exhibit No.

                31.1   Rule 13a-14(d)/15d-14(d) Certification

         (b)    The exhibits required  to be  filed  by  Registrant pursuant  to
                Item 601 of Regulation S-K are listed in the  Exhibit Index that
                immediately follows the signature page hereof.

         (c)    Not Applicable.


                                      -3-
<PAGE>

                 ADDITIONAL DISCLOSURE ITEMS FROM REGULATION AB


Item 1112(b) of Regulation AB:  Significant Obligor
                                Financial Information
         Not Applicable.

Item  1114(b)(2) of  Regulation  AB:
                                Significant  Enhancement Provider
                                Financial Information

         The  audited  consolidated  financial  statements  of  Ambac  Assurance
         Corporation  and  Subsidiaries as of December 31, 2006 and 2005 and for
         the twelve  month  periods  ended  December  31, 2006  and 2005,  which
         appear as  Exhibit 99.01 in Ambac  Financial  Group's  Annual Report on
         Form 10-K for  the period  ended  December  31, 2006 (filed on March 1,
         2007) are incorporated by reference in this Form 10-K.

Item 1115(b) of Regulation  AB: Certain derivatives instruments
                                Financial Information
         Not Applicable.

Item 1117 of Regulation AB:     Legal Proceedings

         There are  no legal  proceedings  pending, or proceedings  known  to be
         contemplated  by  governmental  authorities,  against  the sponsor, the
         depositor,  the servicer,  the trustee,  or the  trust, or any property
         thereof, that is material to the holders of notes.

Item 1119 of Regulation AB:     Affiliations  and  Certain Relationships and
                                Related Transactions

         Origen Financial, Inc.  owns 100% of the Registrant and the Originator,
         the Sponsor, the Servicer, the Subservicer and the Seller.  The Bank of
         New York Trust Company,  N.A.  serves  as  both  Indenture  Trustee and
         Custodian.

Item 1122 of Regulation AB:     Compliance with applicable Servicing Criteria

         (a)    The following documents are filed as part of this report.

                Exhibit No.

                33.1 Assertion of Compliance with Applicable Servicing  Criteria
                     Origen Financial L.L.C.
                33.2 Assertion of Compliance With Applicable Servicing  Criteria
                     The Bank of New York and The Bank of New York Trust Company
                33.3 Management's  Report  on  Assessment  of  Compliance  with
                     Applicable Servicing Criteria,  JPMorgan Chase Bank,  N.A.,
                     as Indenture Trustee
                33.4 Management's  Report  on  Assessment  of  Compliance  with
                     Applicable Servicing Criteria,  J.P. Morgan Trust  Company,
                     National Association, as Custodian
                34.1 Report  of  Independent Registered  Public  Accounting Firm
                     (Grant Thornton LLP)
                34.2 Report  of  Independent Registered  Public  Accounting Firm
                     (Ernst & Young)
                34.3 Report  of  Independent Registered  Public  Accounting Firm
                     (PricewaterhouseCoopers)
                34.4 Report  of  Independent Registered  Public  Accounting Firm
                     (PricewaterhouseCoopers)

Item 1123 of Regulation AB:     Servicer Compliance Statement

         (a)    The following document are filed as part of this report.

                Exhibit No.

                35.1  Officer's  Certificate  Regarding  Annual  Statement  of
                      Compliance

Supplemental  information to be furnished with reports filed pursuant to section
15(d) of the Act by Registrants which have not registered securities pursuant to
Section 12 Of The Act

No annual  report,  proxy  statement,  form of proxy or other  proxy  soliciting
material  has  been  sent to  certificateholders,  and the  registrant  does not
presently  contemplate  sending any such  materials  subsequent to the filing of
this report.


                                      -4-
<PAGE>

SIGNATURES

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.

                    Origen Manufactured Housing Contract Trust 2006-A

                By: Origen Financial L.L.C., as Servicer

                By: /s/ W. Anderson Geater, Jr.
                    -----------------------------------------
              Name: W. Anderson Geater, Jr.
             Title: Chief Financial Officer

              Date: March 27, 2007



                                      -5-

<PAGE>

                                  EXHIBIT INDEX

Exhibit         Description

 31.1           Rule 13a-14(d)/15d-14(d) Certification
                Section 302 Certification

 33.1           Assertion of Compliance with Applicable Servicing Criteria
                Origen Financial L.L.C.

 33.2           Assertion of Compliance With Applicable Servicing Criteria
                The Bank of New York and The Bank of New York Trust Company,
                as Indenture Trustee and Custodian

 33.3           Assertion of Compliance With Applicable Servicing Criteria
                JPMorgan Chase Bank, N.A., as Indenture Trustee

 33.4           Management's Report on Assessment of Compliance with Applicable
                Servicing Criteria, J.P. Morgan Trust Company, National
                Association, as Custodian

 34.1           Report of Independent Registered Public Accounting Firm
                Origen Financial L.L.C. - (Grant Thornton LLP)

 34.2           Report of Independent Registered Public Accounting Firm
                The Bank of New York and The Bank of New York Trust Company,
                as Indenture Trustee and Custodian - (Ernst & Young)

 34.3           Report  of  Independent  Registered Public Accounting Firm
                JPMorgan Chase Bank, N.A., as Indenture Trustee -
                (PricewaterhouseCoopers)

 34.4           Report  of  Independent  Registered Public Accounting Firm
                J.P. Morgan Trust Company, National Association, as Custodian -
                (PricewaterhouseCoopers)

 35.1           Officer's Certificate Regarding Annual Statement of Compliance



                                       -6-

<PAGE>
                                  EXHIBIT 31.1
                                ----------------
                     Rule 13a-14(d)/15d-14(d) Certification

                                  CERTIFICATION


                           SECTION 302 CERTIFICATION

I, W. Anderson Geater, Jr., certify that:

1. I have reviewed this annual report on Form 10-K, and all reports on Form 10-D
containing  distribution  or  servicing  reports  filed in  respect  of  periods
included  in the year  covered by this  annual  report,  of Origen  Manufactured
Housing Contract Trust Collateralized Notes, Series 2006-A;;

2. Based on my knowledge,  the  information in these reports,  taken as a whole,
does not  contain  any untrue  statement  of a material  fact or omit to state a
material  fact  necessary  to  make  the  statements   made,  in  light  of  the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by this annual report;

3. Based on my knowledge,  the distribution  information required to be provided
by the Indenture  Trustee  under the  Indenture,  and the servicing  information
required to be  provided  to the  Indenture  Trustee by the  Servicer  under the
Servicing  Agreement  for  inclusion  in these  reports,  is  included  in these
reports;

4. Based on my knowledge and upon the annual compliance  statements  included in
the report and required to be delivered to the  Indenture  Trustee in accordance
with the  terms of the  Servicing  Agreement,  and  except as  disclosed  in the
reports,  the  Servicer  has  fulfilled  its  obligations  under  the  Servicing
Agreement; and

5. The reports disclose all significant  deficiencies relating to the servicer's
compliance with the minimum  servicing  standards based upon the report provided
by an independent  public  accountant,  after  conducting a review in compliance
with  paragraph (d) of Item 1122 of Regulation AB or similar  procedure,  as set
forth  in the  servicing,  or  similar,  agreement,  that is  included  in these
reports.

In giving the  certifications  above,  I have  reasonably  relied on information
provided to me by the Indenture Trustee.

Capitalized terms used but not defined herein have the meanings ascribed to them
in Appendix A to the Indenture, dated August 1, 2006 (the "Indenture"),  between
Origen Manufactured Housing Contract Trust 2006-A as issuer, and The Bank of New
York, as indenture trustee.

Date: March 15, 2007

                        ORIGEN FINANCIAL L.L.C.

                        By: /s/ W. Anderson Geater, Jr.
                            ---------------------------
                        W. Anderson Geater, Jr.
                        Chief Financial Officer



                                      -7-

<PAGE>
                                  EXHIBIT 33.1
                                ----------------

                  REPORT ON ASSESSMENT OF COMPLIANCE WITH SEC
                        REGULATION AB SERVICING CRITERION

Origen Financial L.L.C. ("Origen") is responsible for assessing compliance as of
December  31,  2006 and for the  period  beginning  August  25,  2006 and ending
December  31,  2006  (the  "Reporting  Period"),  with  the  servicing  criteria
applicable to it under  paragraph (d) of Item 1122 of Regulation AB  promulgated
by the Securities and Exchange Commission, as set forth in Exhibit A hereto. The
transactions covered by this report include asset-backed securities transactions
for  which  Origen  acted as a party  participating  in the  servicing  function
involving securitized manufactured housing loans that were completed on or after
January  1, 2006 and that  were  registered  with the  Securities  and  Exchange
Commission pursuant to the Securities Act of 1933 (the "Platform").

Origen has engaged certain vendors (the "Vendors") to perform specific,  limited
or scripted  activities,  and Origen elects to take responsibility for assessing
compliance  with the  servicing  criteria or portion of the  servicing  criteria
applicable to such Vendors' activities as set forth in Appendix A hereto.

Origen used the criteria set forth in paragraph  (d) of Item 1122 of  Regulation
AB to assess the compliance with the applicable servicing criteria. The criteria
listed in the column  titled  "Inapplicable  Servicing  Criteria"  on Appendix A
hereto are inapplicable to Origen based on the activities it performs,  directly
or through its Vendors, with respect to the Platform.

Origen has assessed its compliance  with the applicable  servicing  criteria for
the Reporting  Period and concluded it has complied,  in all material  respects,
with the  Applicable  Servicing  Criteria  as of  December  31, 2006 and for the
Reporting Period with respect to the Platform taken as a whole.

Origen  has  not  identified  and  is not  aware  of any  material  instance  of
noncompliance  by the  Vendors  with the  applicable  servicing  criteria  as of
December  31, 2006 and for the  Reporting  Period with  respect to the  Platform
taken as a whole.

Grant Thornton LLP, an independent registered public accounting firm, has issued
an attestation  report on Origen's  assessment of compliance with the Applicable
Servicing Criteria for the Reporting Period.


Very truly yours,

ORIGEN FINANCIAL L.L.C.

/s/ Ronald A. Klein
----------------------------------------
Ronald A. Klein, Chief Executive Officer
March 15, 2007



<TABLE>

             <c>             <c>

                                   APPENDIX A
---------------------------------------------------------------------- ---------------------------------------------  ------------
                                                                                                                      INAPPLICABLE
                                                                                       APPLICABLE                      SERVICING
                               SERVICING CRITERIA                                  SERVICING CRITERIA                   CRITERIA
---------------------------------------------------------------------- ---------------------------------------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                                                                                                     Performed by
                                                                                                     subservicer(s)
                                                                                    Performed by     or vendor(s)
                                                                        Performed   Vendor(s) for    for which
                                                                        Directly    which Origen is  Origen is NOT
                                                                        by          the Responsible  the Responsible
Reference        Criteria                                               Origen      Party            Party
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                            General Servicing Considerations
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(1)(i)    Policies and procedures are instituted to monitor           X
                 any performance or other triggers and events of
                 default in accordance with the transaction
                 agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(1)(ii)   If any material servicing activities are outsourced
                 to third parties, policies and procedures are               X
                 instituted to monitor the third party's performance
                 and compliance with such servicing activities.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(1)(iii)  Any requirements in the transaction agreements to                                                           X
                 maintain a back-up servicer for the pool assets are
                 maintained.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(1)(iv)   A fidelity bond and errors and omissions policy is          X
                 in effect on the party 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                         Cash Collection and Administration
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(i)    Payments on pool assets are deposited into the              X            X
                 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(ii)   Disbursements made via wire transfer on behalf of          X(a)
                 an obligor or to an investor are made only by
                 authorized personnel.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(iii)  Advances of funds or guarantees regarding                   X
                 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                 The related accounts for the transaction, such as
                 cash reserve accounts or accounts established as a
                 form of overcollateralization, are separately               X
                 maintained (e.g., with respect to commingling of
1122(d)(2)(iv)   cash) as set forth in the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(v)    Each custodial account is maintained at a federally         X
                 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-1(b)(1) of
                 the Securities Exchange Act.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(vi)   Unissued checks are safeguarded so as to prevent            X
                 unauthorized access.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(2)(vii)  Reconciliations are prepared on a monthly basis for         X
                 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 (D) 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                        Investor Remittances and Reporting
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(3)(i)    Reports to investors, including those to be filed           X
                 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 terms 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 (D) agree with investors' or the
                 trustee's records as to the total unpaid principal
                 balance and number of pool assets serviced by the
                 Servicer.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(3)(ii)   Amounts due to investors are allocated and remitted                                                        X(b)
                 in accordance with timeframes, distribution
                 priority and other terms set forth in the
                 transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                 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                                                         X(b)
1122(d)(3)(iii)  the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                 Amounts remitted to investors per the investor
                 reports agree with cancelled checks, or other form          X
1122(d)(3)(iv)   of payment, or custodial bank statements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                              Pool Asset Administration
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(i)    Collateral or security on [pool assets] is                  X
                 maintained as required by the transaction
                 agreements or related mortgage loan documents.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
                 Pool assets and related documents are safeguarded           X
1122(d)(4)(ii)   as required by the transaction agreements
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(iii)  Any additions, removals or substitutions to the             X
                 asset pool are made, reviewed and approved in
                 accordance with any conditions or requirements in
                 the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(iv)   Payments on pool assets, including any payoffs,             X
                 made in accordance with the related [pool asset]
                 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 [pool
                 asset] documents.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(v)    The Servicer's records regarding the pool assets            X
                 agree with the Servicer's records with respect to
                 an obligor's unpaid principal balance.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(vi)   Changes with respect to the terms or status of an           X
                 obligor's pool assets (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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(vii)  Loss mitigation or recovery actions (e.g.,                  X
                 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(viii) Records documenting collection efforts are                  X
                 maintained during the period a pool asset 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 pool
                 assets including, for example, phone calls, letters
                 and payment rescheduling plans in cases where
                 delinquency is deemed temporary (e.g., illness or
                 unemployment).
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(ix)   Adjustments to interest rates or rates of return            X
                 for pool assets with variable rates are computed
                 based on the related pool asset documents.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(x)    Regarding any funds held in trust for an obligor            X
                 (such as escrow accounts): (A) such funds are
                 analyzed, in accordance with the obligor's pool
                 asset documents, on at least an annual basis, or
                 such other period specified in the transaction
                 agreements; (B) interest on such funds is paid, or
                 credited, to obligors in accordance with applicable
                 pool asset documents and state laws; and (C) such
                 funds are returned to the obligor within 30
                 calendar days of full repayment of the related pool
                 assets, or such other number of days specified in
                 the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(xi)   Payments made on behalf of an obligor (such as tax          X
                 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(xii)  Any late payment penalties in connection with any           X
                 payment to be made on behalf of an obligor are paid
                 from the Servicer's funds and not charged to the
                 obligor, unless the late payment was due to the
                 obligor's error or omission.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(xiii) Disbursements made on behalf of an obligor are              X
                 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.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(xiv)  Delinquencies, charge-offs and uncollectible                X
                 accounts are recognized and recorded in accordance
                 with the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
1122(d)(4)(xv)   Any external enhancement or other support,                  X
                 identified in Item 1114(a)(1) through (3) or Item
                 1115 of Regulation AB, is maintained as set forth
                 in the transaction agreements.
---------------- ----------------------------------------------------- ----------- ----------------- ---------------  ------------
(a)  Origen restricts disbursements from custodial accounts to only non-Origen personnel.
(b)  In accordance with transaction documents the trust allocates responsibility to the Indenture Trustee.

</TABLE>


                                      -8-
<PAGE>

                                  EXHIBIT 33.2
                                ----------------
           Assertion of Compliance With Applicable Servicing Criteria
          The Bank of New York and The Bank of New York Trust Company,
                       as Indenture Trustee and Custodian


The Bank of New York and The Bank of New York Trust Company, N.A. (collectively,
the "Company")  provides this  platform-level  assessment of compliance with the
servicing criteria specified in Item 1122(d) of Regulation AB promulgated by the
Securities and Exchange Commission.

Management has determined that the following  servicing  criteria are applicable
in regards to the following servicing platform for the following period:

Platform:  Publicly-issued (i.e., transaction-level reporting initially required
under  the   Securities   Exchange   Act  of  1934,   as  amended)   residential
mortgage-backed  securities and other mortgage-related  asset-backed  securities
issued on or after January 1, 2006 (and like-kind  transactions  issued prior to
January  1,  2006)  for  which  the   Company   provides   trustee,   securities
administration,  paying agent or custodial services.  The platform includes like
kind   transactions   for  which  the  Company  provided   trustee,   securities
administrator,  paying agent or custodial  services as a result of the Company's
acquisition  as of October 1, 2006 of portions of  JPMorgan  Chase Bank,  N.A.'s
corporate  trust  business,   including  structured  finance  agency  and  trust
transactions.

Applicable Servicing Criteria: All servicing criteria set forth in Item 1122(d),
to  the  extent  required  by  the  related  transaction  agreements  as to  any
transaction,  except for the following criteria:  1122 (d) (1)(ii), (iii), (iv),
(4) (iv), (v), (vi), (vii), (viii), (ix), (x), (xi), (xii) and (xiii).

Period: Twelve months ended December 31, 2006.

With respect to the Platform and the Period,  the Company provides the following
assessment of compliance in respect of the Applicable Servicing Criteria:

- The Company is responsible  for assessing its  compliance  with the Applicable
Servicing Criteria.

- The  Company has assessed  compliance with the  Applicable Servicing Criteria.

- As of  December  31,  2006 and for the  Period,  the  Company  was in material
compliance with the Applicable Servicing Criteria.


Ernst & Young LLP, an independent  registered public accounting firm, has issued
an  attestation  report with respect to the  Company's  foregoing  assessment of
compliance.


        The Bank of New York                    The Bank of New York
        The Bank of New York Trust              The Bank of New York Trust
            Company, N.A.                           Company, N.A.

        By: /s/ Robert L. Griffin               By: /s/ Patrick J. Tadie
            ----------------------                  ----------------------
            Robert L. Griffin                       Patrick J. Tadie
            Authorized Signer                       Authorized Signer


March 1, 2007


                                       -9-

<PAGE>
                                  EXHIBIT 33.3
                                ----------------
                 Management's Report on Assessment of Compliance
                       with Applicable Servicing Criteria
                 JPMorgan Chase Bank, N.A., as Indenture Trustee

     JPMorgan  Chase  Bank,  National  Association  (the  "Asserting  Party") is
responsible for assessing compliance as of September 30, 2006 and for the period
from January 1, 2006 through September 30, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction   agreements  and  excluding  the  criteria  set  forth  in  17  CFR
229.1122(d)  (1)(ii)-(iv),  (2)(iii),  (2)(vi),  (4)(i)-(ii),  and (4)(iv)-(xiv)
which the Asserting  Party has concluded are not applicable to the activities it
performs with respect to the asset-backed securitization transactions covered by
this report (such  criteria,  after giving effect to the  exclusions  identified
above,  the  "Applicable  Servicing  Criteria").   This  report  covers  certain
asset-backed  securities  transactions  backed by  residential  mortgages,  home
equity loans, auto loans,  credit card receivables,  dealer floor plans,  retail
installment  contracts and manufactured housing contracts for which transactions
the  Asserting  Party  performs the  Applicable  Servicing  Criteria as trustee,
securities   administrator  or  paying  agent  that  were  registered  with  the
Securities  and Exchange  Commission  pursuant to the Securities Act of 1933, as
amended,  where the related asset-backed  securities were outstanding during the
reporting period (the "Platform"), as listed in Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFR
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria for the Reporting Period and (ii) concluded that, other than
as identified on Appendix B, the Asserting  Party has complied,  in all material
respects,  with the Applicable  Servicing  Criteria as of September 30, 2006 and
for the Reporting Period with respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an  attestation  report  for the  Platform,  stating  that the
Asserting Party has complied with the Applicable Servicing Criteria,  except for
material  instances of non-compliance  identified on Appendix B, as of September
30, 2006 and for the Reporting Period.

JPMorgan Chase Bank, National Association

/s/ Kelly A. Mathieson
-----------------------
Kelly A. Mathieson, Managing Director
Date:  March 14, 2007



--------------------------------------------------------------------------------
                                   Appendix A
--------------------------------------------------------------------------------
                         BA Master Credit Card Trust II
                   Capital Auto Receivables Asset Trust 2006-1
                      Capital One Auto Finance Trust 2006-A
                      Capital One Auto Finance Trust 2006-B
                Capital One Prime Auto Receivables Trust, 2006-1
                      Centex Home Equity Loan Trust 2006-A
                          Chase Auto Owner Trust 2006-A
                          Chase Auto Owner Trust 2006-B
          Chase Credit Card Master Trust, Series 1996-2 (Class A and B)
          Chase Credit Card Master Trust, Series 1996-3 (Class A and B)
                  Chase Credit Card Master Trust, Series 2001-1
                  Chase Credit Card Master Trust, Series 2001-2
                  Chase Credit Card Master Trust, Series 2001-4
                  Chase Credit Card Master Trust, Series 2001-6
                  Chase Credit Card Master Trust, Series 2002-1
                  Chase Credit Card Master Trust, Series 2002-3
                  Chase Credit Card Master Trust, Series 2002-5
                  Chase Credit Card Master Trust, Series 2002-7
                  Chase Credit Card Master Trust, Series 2003-1
                  Chase Credit Card Master Trust, Series 2003-2
                  Chase Credit Card Master Trust, Series 2003-3
                  Chase Credit Card Master Trust, Series 2003-4
                  Chase Credit Card Master Trust, Series 2003-5
                  Chase Credit Card Master Trust, Series 2003-6
                  Chase Credit Card Master Trust, Series 2004-1
                  Chase Credit Card Master Trust, Series 2004-2
                   Chase Mortgage Finance Trust Series 2006-A1
                   Chase Mortgage Finance Trust Series 2006-S1
                   Chase Mortgage Finance Trust Series 2006-S2
                          ChaseFlex Trust Series 2006-1
                          ChaseFlex Trust Series 2006-2
                     Citigroup Mortgage Loan Trust 2006-CB3
                           CNH Equipment Trust 2006-A
                           CNH Equipment Trust 2006-B
             CWHEQ Revolving Home Equity Loan Trust, Series 2006- F
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-A
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-B
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-C
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-D
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-E
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-G
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-H
                        DaimlerChrysler Auto Trust-2006-A
            Ford Credit Floorplan Master Owner Trust A, Series 2006-3
            Ford Credit Floorplan Master Owner Trust A, Series 2006-4
                      GMACM Home Equity Loan Trust 2006-HE1
                      GMACM Home Equity Loan Trust 2006-HE2
                      GMACM Home Equity Loan Trust 2006-HE3
                      GMACM Home Equity Loan Trust 2006-HE4
                        GMACM Home Loan Trust 2006-HLTV1
                       GMACM Mortgage Loan Trust 2006-AR2
                            GS Auto Loan Trust 2006-1
                          GSAA Home Equity Trust 2006-1
                         GSAA Home Equity Trust 2006-12
                          GSAA Home Equity Trust 2006-3
                          GSAA Home Equity Trust 2006-5
                          GSAA Home Equity Trust 2006-6
                          GSAA Home Equity Trust 2006-9
                         GSR Mortgage Loan Trust 2006-4F
                    Honda Auto Receivables 2006-1 Owner Trust
                     IXIS Real Estate Capital Trust 2006-HE1
                     IXIS Real Estate Capital Trust 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                 J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Trust 2006-ACC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CW1
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE2
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC2
                 J.P. Morgan Mortgage Acquisition Trust 2006-RM1
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC2
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC3
                    Nationstar Home Equity Loan Trust 2006-B
                   Newcastle Mortgage Securities Trust 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-2
                 NovaStar Mortgage Funding Trust, Series 2006-3
                NovaStar Mortgage Funding Trust, Series-2006-MTA1
                Origen Manufactured Housing Contract Trust 2006-A
                 Ownit Mortgage Loan Trust, Series 2006-1 Trust
                 Popular ABS Mortgage Pass-Through Trust 2006-A
                 Popular ABS Mortgage Pass-Through Trust 2006-B
                 Popular ABS Mortgage Pass-Through Trust 2006-C
                 Popular ABS Mortgage Pass-Through Trust 2006-D
                           RAAC Series 2006-SP1 Trust
                           RAAC Series 2006-SP2 Trust
                           RAAC Series 2006-SP3 Trust
                           RAMP Series 2006-RS1 Trust
                           RAMP Series 2006-RS2 Trust
                           RAMP Series 2006-RS3 Trust
                           RAMP Series 2006-RS4 Trust
                           RAMP Series 2006-RS5 Trust
                           RAMP Series 2006-RZ1 Trust
                           RAMP Series 2006-RZ2 Trust
                           RAMP Series 2006-RZ3 Trust
                           RAMP Series 2006-RZ4 Trust
                          RFMSII Series 2006-HSA1 Trust
                      The Home Equity Loan Trust 2006-HSA2
                      The Home Equity Loan Trust 2006-HSA3
                      The Home Equity Loan Trust 2006-HSA4
                      The Home Equity Loan Trust 2006-HSA5
                          The Home Loan Trust 2006-HI1
                          The Home Loan Trust 2006-HI2
                          The Home Loan Trust 2006-HI3
                          The Home Loan Trust 2006-HI4
                          USAA Auto Owner Trust 2006-1
                          USAA Auto Owner Trust 2006-2

--------------------------------------------------------------------------------
                                   APPENDIX B
--------------------------------------------------------------------------------
                       Material Instances of Noncompliance

During the Reporting Period,  the Company has identified the following  material
instances of noncompliance the Applicable Servicing Criteria.

     CFR  Item   1122(d)(3)(i):   Certain  monthly   investor   reports  omitted
     information required by the transaction  agreements and/or contained errors
     in the information presented.

     CFR Item 1122(d)(3)(ii):  Certain monthly investor distributions  contained
     errors as to amounts due to certain investors.

                               Remediation Efforts

Errors and omissions were corrected and appropriate measures were taken to avoid
similar errors and omissions.




                                 JPMorgan Chase

        Management's Report on Assessment of Compliance with Applicable
                               Servicing Criteria

     JPMorgan  Chase  Bank,  National  Association  (the  "Asserting  Party") is
responsible  for  assessing  compliance as of October 1, 2006 and for the period
from October 1, 2006 through  December 31, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction  agreements  excluding the criteria set forth in 17 CFR  229.1122(d)
(1)(i)-(iv),  (2)(i)-(vi),  (3)(i)-(iv),  and  (4)(i)-(xv),  which the Asserting
Party has  concluded  are not  applicable  to the  activities  it performs  with
respect to the asset-backed  securitization  transactions covered by this report
(such  criteria,  after giving effect to the exclusions  identified  above,  the
"Applicable Servicing Criteria"). This report covers the asset-backed securities
transactions backed by residential  mortgages and home equity loans, auto loans,
credit cards, dealer floor plans, retail installment  contracts and manufactured
housing  contracts  for which  transactions  the  Asserting  Party  performs the
applicable  servicing  criteria,  that were  registered  with the Securities and
Exchange  Commission  pursuant to the Securities Act of 1933, as amended,  where
the related  asset-backed  securities were either (1) issued during the calendar
year ending  December 31, 2006 or (2) issued  prior to the calendar  year ending
December 31, 2006 and remain  subject to the  reporting  requirements  under the
Securities and Exchange Act of 1934, as amended (the  "Platform"),  as listed in
Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFR
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria  for the  Reporting  Period  and  (ii)  concluded  that  the
Asserting  Party has complied,  in all material  respects,  with the  Applicable
Servicing  Criteria as of December  31, 2006 and for the  Reporting  Period with
respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an attestation  report for the Platform,  on our assessment of
compliance  with the Applicable  Servicing  Criteria as of December 31, 2006 and
for the Reporting Period as set forth in this report.

JPMorgan Chase Bank, National Association


/s/ Brian Goldman
------------------------------------
Brian Goldman, Senior Vice President
Date:  March 12, 2007




--------------------------------------------------------------------------------
                                   Appendix A
--------------------------------------------------------------------------------
                         BA Master Credit Card Trust II
                   Capital Auto Receivables Asset Trust 2006-1
                   Capital Auto Receivables Asset Trust 2006-2
                      Capital One Auto Finance Trust 2006-A
                      Capital One Auto Finance Trust 2006-B
                      Capital One Auto Finance Trust 2006-C
                 Capital One Prime Auto Receivables Trust 2006-2
                Capital One Prime Auto Receivables Trust, 2006-1
                      Centex Home Equity Loan Trust 2006-A
                          Chase Auto Owner Trust 2006-A
                          Chase Auto Owner Trust 2006-B
          Chase Credit Card Master Trust, Series 1996-2 (Class A and B)
          Chase Credit Card Master Trust, Series 1996-3 (Class A and B)
                  Chase Credit Card Master Trust, Series 2001-1
                  Chase Credit Card Master Trust, Series 2001-2
                  Chase Credit Card Master Trust, Series 2001-4
                  Chase Credit Card Master Trust, Series 2001-6
                  Chase Credit Card Master Trust, Series 2002-1
                  Chase Credit Card Master Trust, Series 2002-3
                  Chase Credit Card Master Trust, Series 2002-5
                  Chase Credit Card Master Trust, Series 2002-7
                  Chase Credit Card Master Trust, Series 2003-1
                  Chase Credit Card Master Trust, Series 2003-2
                  Chase Credit Card Master Trust, Series 2003-3
                  Chase Credit Card Master Trust, Series 2003-4
                  Chase Credit Card Master Trust, Series 2003-5
                  Chase Credit Card Master Trust, Series 2003-6
                  Chase Credit Card Master Trust, Series 2004-1
                  Chase Credit Card Master Trust, Series 2004-2
                   Chase Mortgage Finance Trust Series 2006-A1
                   Chase Mortgage Finance Trust Series 2006-S1
                   Chase Mortgage Finance Trust Series 2006-S2
                   Chase Mortgage Finance Trust Series 2006-S3
                   Chase Mortgage Finance Trust Series 2006-S4
                          ChaseFlex Trust Series 2006-1
                          ChaseFlex Trust Series 2006-2
                     Citigroup Mortgage Loan Trust 2006-CB3
                           CNH Equipment Trust 2006-A
                           CNH Equipment Trust 2006-B
             CWHEQ Revolving Home Equity Loan Trust, Series 2006- F
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-A
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-B
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-C
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-D
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-E
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-G
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-H
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-I
                        DaimlerChrysler Auto Trust-2006-A
            Ford Credit Floorplan Master Owner Trust A, Series 2006-3
            Ford Credit Floorplan Master Owner Trust A, Series 2006-4
                    GE Equipment Midticket LLC, Series 2006-1
                      GMACM Home Equity Loan Trust 2006-HE1
                      GMACM Home Equity Loan Trust 2006-HE2
                      GMACM Home Equity Loan Trust 2006-HE3
                      GMACM Home Equity Loan Trust 2006-HE4
                      GMACM Home Equity Loan Trust 2006-HE5
                        GMACM Home Loan Trust 2006-HLTV1
                       GMACM Mortgage Loan Trust 2006-AR2
                            GS Auto Loan Trust 2006-1
                          GSAA Home Equity Trust 2006-1
                         GSAA Home Equity Trust 2006-12
                          GSAA Home Equity Trust 2006-3
                          GSAA Home Equity Trust 2006-5
                          GSAA Home Equity Trust 2006-6
                          GSAA Home Equity Trust 2006-9
                         GSR Mortgage Loan Trust 2006-4F
                    Honda Auto Receivables 2006-1 Owner Trust
                     IXIS Real Estate Capital Trust 2006-HE1
                     IXIS Real Estate Capital Trust 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                 J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Trust 2006-ACC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CH1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CH2
                 J.P. Morgan Mortgage Acquisition Trust 2006-CW1
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE2
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE3
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC2
                 J.P. Morgan Mortgage Acquisition Trust 2006-RM1
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC2
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC3
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC4
                    Nationstar Home Equity Loan Trust 2006-B
                   Newcastle Mortgage Securities Trust 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-2
                 NovaStar Mortgage Funding Trust, Series 2006-3
                NovaStar Mortgage Funding Trust, Series-2006-MTA1
                Origen Manufactured Housing Contract Trust 2006-A
                 Ownit Mortgage Loan Trust, Series 2006-1 Trust
                 Popular ABS Mortgage Pass-Through Trust 2006-A
                 Popular ABS Mortgage Pass-Through Trust 2006-B
                 Popular ABS Mortgage Pass-Through Trust 2006-C
                 Popular ABS Mortgage Pass-Through Trust 2006-D
                 Popular ABS Mortgage Pass-Through Trust 2006-E
                           RAAC Series 2006-SP1 Trust
                           RAAC Series 2006-SP2 Trust
                           RAAC Series 2006-SP3 Trust
                           RAMP Series 2006-RS1 Trust
                           RAMP Series 2006-RS2 Trust
                           RAMP Series 2006-RS3 Trust
                           RAMP Series 2006-RS4 Trust
                           RAMP Series 2006-RS5 Trust
                           RAMP Series 2006-RZ1 Trust
                           RAMP Series 2006-RZ2 Trust
                           RAMP Series 2006-RZ3 Trust
                           RAMP Series 2006-RZ4 Trust
                          RFMSII Series 2006-HSA1 Trust
                      The Home Equity Loan Trust 2006-HSA2
                      The Home Equity Loan Trust 2006-HSA3
                      The Home Equity Loan Trust 2006-HSA4
                      The Home Equity Loan Trust 2006-HSA5
                          The Home Loan Trust 2006-HI1
                          The Home Loan Trust 2006-HI2
                          The Home Loan Trust 2006-HI3
                          The Home Loan Trust 2006-HI4
                          USAA Auto Owner Trust 2006-1
                          USAA Auto Owner Trust 2006-2

                                      -10-

<PAGE>
                                  EXHIBIT 33.4
                                ----------------
                Management's Report on Assessment of Compliance
                       with Applicable Servicing Criteria
          J.P. Morgan Trust Company, National Association, as Custodian

     J.P. Morgan Trust Company,  National Association (the "Asserting Party") is
responsible for assessing compliance as of September 30, 2006 and for the period
from January 1, 2006 through September 30, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction  agreements  excluding the criteria set forth in 17 CFR  229.1122(d)
(1)(i)-(iv),  (2)(i)-(vii),  (3)(i)-(iv), and (4)(iii)-(xv), which the Asserting
Party has  concluded  are not  applicable  to the  activities  it performs  with
respect to the asset-backed  securitization  transactions covered by this report
such  criteria,  after giving effect to the  exclusions  identified  above,  the
"Applicable Servicing Criteria"). This report covers the asset-backed securities
transactions  backed by residential  mortgages and home equity loans,  for which
transactions  the Asserting  Party acts as Custodian,  that were registered with
the Securities and Exchange  Commission  pursuant to the Securities Act of 1933,
as amended,  where the related  asset-backed  securities  were issued during the
Reporting Period (the "Platform"), as listed in Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFS
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria  for the  Reporting  Period  and  (ii)  concluded  that  the
Asserting  Party has complied,  in all material  respects,  with the  Applicable
Servicing  Criteria as of September 30, 2006 and for the  Reporting  Period with
respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an attestation  report for the Platform,  on our assessment of
compliance with the Applicable  Servicing  Criteria as of September 30, 2006 and
for the Reporting Period as set forth in this report.

J.P. Morgan Trust Company, National Association, as Custodian

/s/ Kelly A. Mathieson, Managing Director
-----------------------------------------
Date:  March 1, 2007


                                   Appendix A
                                ----------------

                      Centex Home Equity Loan Trust 2006-A
              CS Mortgage Pass-Through Series Trust 2006-CF1 Trust
                              GSAMP Trust 2006-HE1
                              GSAMP Trust 2006-HE3
                              GSAMP Trust 2006-HE4
                              GSAMP Trust 2006-HE5
                              GSAMP Trust 2006-S3
                         Home Equity Asset Trust 2006-1
                         Home Equity Asset Trust 2006-3
                         Home Equity Asset Trust 2006-4
                         Home Equity Asset Trust 2006-5
                         Home Equity Asset Trust 2006-6
                    Home Equity Mortgage Trust Series 2006-1
                       Home Equity Mortgage Series 2006-2
                J.P. Morgan Mortgage Acquisition Corp. 2006-ACC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-CW1
                J.P. Morgan Mortgage Acquisition Corp. 2006-CW2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-NC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-NC2
                J.P. Morgan Mortgage Acquisition Corp. 2006-RM1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC3
                J.P. Morgan Mortgage Acquisition Corp. 2006-WF1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC2
                   Morgan Stanley Mortgage Loan Trust 2006-11
                  Morgan Stanley Mortgage Loan Trust 2006-1AR
                   Morgan Stanley Mortgage Loan Trust 2006-2
                  Morgan Stanley Mortgage Loan Trust 2006-3AR
                  Morgan Stanley Mortgage Loan Trust 2006-5AR
                  Morgan Stanley Mortgage Loan Trust 2006-6AR
                   Morgan Stanley Mortgage Loan Trust 2006-7R
                  Morgan Stanley Mortgage Loan Trust 2006-8AR
                  Morgan Stanley Mortgage Loan Trust 2006-9AR
                    Nationstar Home Equity Loan Trust 2006-B
                  Opteum Mortgage Acceptance Corp Trust 2006-1
                  Opteum Mortgage Acceptance Corp Trust 2006-2
 Origen Manufactured Housing Contract Trust Collaterialized Notes/Series 2006-A

                                      -11-

<PAGE>
                                  EXHIBIT 34.1
                                ----------------
             REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Audit Committee and Board of Directors
Origen Financial L.L.C.

We have examined management's assertion,  included in the accompanying Report on
Assessment   of   Compliance   with  SEC   Regulation   AB  Servicing   Criteria
("Management's  Report"),  that Origen  Financial  L.L.C.  Inc. (the  "Company")
complied  with the  servicing  criteria  set forth in Item  1122(d)  of the U.S.
Securities  and Exchange  Commission's  Regulation  AB for the  publicly  issued
asset-backed  securities  issued  on or after  January  1,  2006 for the  Origen
Manufactured Housing Loans Platform (the "Platform") as of December 31, 2006 and
for the period  from  August 25,  2006  through  December  31,  2006,  excluding
criteria  1122(d)(1)(iii),  1122(d)(3)(ii) and 1122(d)(3)(iii)  which management
has determined is not applicable to the activities performed by the Company with
respect to the Platform. The Platform consists of the asset-backed  transactions
and  securities  defined by management  in  Management's  Report.  Management is
responsible  for  the  Company's   compliance  with  the  applicable   servicing
criteria. Our  responsibility is to express an opinion on management's assertion
about the Company's  compliance with the applicable  servicing  criteria for the
Platform based on our examination.

Our  examination  was conducted in  accordance  with the standards of the Public
Company Accounting  Oversight Board (United States) and,  accordingly,  included
examining,  on a test basis,  evidence about the Company's  compliance  with the
applicable  servicing  criteria  for the  Platform  and  performing  such  other
procedures  as we considered  necessary in the  circumstances.  Our  examination
included testing selected asset-backed  transactions and securities constituting
the Platform and evaluating whether the Company performed  servicing  activities
related to those  transactions  and securities in compliance with the applicable
servicing  criteria  for the period  covered by this  report.  Accordingly,  our
testing may not have included servicing  activities related to each asset-backed
transaction or security constituting the Platform.  Further, our examination was
not designed to detect  material  noncompliance  that may have occurred prior to
the period  covered  by this  report and that may have  affected  the  Company's
servicing  activities  during the period covered by this report. 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
applicable servicing criteria.

As described in  Management's  Report,  the Company  engaged  various vendors to
perform  servicing  activities  servicing  activities  with  respect to criteria
1122(d)(2)(i).  The  Company  determined  that each vendor is not  considered  a
"servicer,"  as that term is  defined  in Item  1101(j)  of  Regulation  AB, and
therefore,  the  Company is assuming  responsibility  for  compliance  with such
servicing  criteria  applicable  to  each  vendor's  servicing  activities.   In
accordance with Regulation AB and its related  interpretations,  the requirement
for management to assess compliance with the servicing criteria  applicable to a
vendor's  activities  is  satisfied if the Company has  instituted  policies and
procedures to monitor  whether such vendor's  activities  comply in all material
respects with such criteria.  Compliance with the applicable  servicing criteria
is achieved if those policies and procedures are designed to provide  reasonable
assurance  that such  vendor's  activities  comply with such  criteria and those
policies and  procedures  are operating  effectively  for the period  covered by
Management's  Report. Our examination does not provide a legal  determination of
whether a vendor is or is not considered a servicer,  and therefore,  on whether
the  Company,   in  its  Management   Report,  is  eligible  to  elect  to  take
responsibility for assessing  compliance with the servicing criteria  applicable
to each vendor's servicing activities.

In our opinion,  management's  assertion that Origen Financial  L.L.C.  complied
with the  aforementioned  applicable  servicing criteria as of December 31, 2006
and for the period from August 25, 2006 through December 31, 2006 for the Origen
Manufactured Housing Loans Platform is fairly stated, in all material respects.


/s/ Grant Thornton LLP
----------------------
Southfield, Michigan
March 15, 2007

                                      -12-

<PAGE>

                                  EXHIBIT 34.2
                                ----------------
             Report of Independent Registered Public Accounting Firm
          The Bank of New York and The Bank of New York Trust Company,
                       as Indenture Trustee and Custodian

ERNST & YOUNG                                      Ernst & Young LLP
                                                   5 Times Square
                                                   New York, New York 10036-6530

                                                   Phone: (212) 773-3000
                                                   www.ey.com


Board of Directors
The Bank of New York

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report  on  Assertion  of  Compliance  with  Applicable  Servicing
Criteria that The Bank of New York and The Bank of New York Trust Company, N.A.,
(collectively, the "Company"), complied with the servicing criteria set forth in
Item 1122(d) of the Securities and Exchange  Commission's  Regulation AB for the
publicly issued (i.e.  transaction-level  reporting initially required under the
Securities  and Exchange Act of 1934,  as amended)  residential  mortgage-backed
securities and other mortgage-related asset-backed securities issued on or after
January 1, 2006 (and like-kind transactions issued prior to January 1, 2006) for
which the Company provides trustee, securities administration,  paying agent, or
custodial  services (the  "Platform")  as of and for the year ended December 31,
2006 except for criteria 1122(d)(1)(ii)-(iv),  and 1122(d)(4)(iv)-(xiii),  which
the Company has determined  are not  applicable to the  activities  performed by
them with respect to the servicing Platform covered by this report. The Platform
includes  like-kind   transactions  for  which  the  Company  provided  trustee,
securities administration, paying agent or custodial services as a result of the
Company's  acquisition as of October 1, 2006 of portions of JPMorgan Chase Bank,
N.A.'s corporate trust business,  including  structured finance agency and trust
transactions.  Management is responsible for the Company's compliance with those
servicing criteria.  Our responsibility is to express an opinion on management's
assertion about the Company's  compliance  with the servicing  criteria based on
our examination.

Our  examination  was  conducted  in  accordance  with   attestation   standards
established  by the  American  Institute  of Certified  Public  Accountants,  as
adopted by the Public Company  Accounting  Oversight  Board (United States) and,
accordingly,  included examining,  on a test basis, evidence about the Company's
compliance  with the applicable  servicing  criteria and  performing  such other
procedures  as we considered  necessary in the  circumstances.  Our  examination
included testing of less than all of the individual  transactions and securities
that comprise the platform, testing of less than all of the servicing activities
related to the Platform,  and  determining  whether the Company  processed those
selected transactions and performed those selected activities in compliance with
the servicing criteria and as permitted by the  Interpretation  17.06 of the SEC
Division  of  Corporation   Finance  Manual  of  Publicly  Available   Telephone
Interpretations  ("Interpretation  17.06").  Furthermore,  our  procedures  were
limited to the selected  transactions and servicing  activities performed by the
Company  during  the period  covered by this  report.  Our  procedures  were not
designed  to  determine  whether  errors may have  occurred  either  prior to or
subsequent  to our  tests  that  may  have  affected  the  balances  or  amounts
calculated or reported by the Company  during the period  covered by this report
for the selected  transactions  or any other  transactions.  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 servicing
criteria.

In our  opinion,  management's  assertion  that the  Company  complied  with the
aforementioned  servicing  criteria,  including  servicing  criteria  for  which
compliance is determined  based on  Interpretation 17.06  as described above, as
applicable,  as of and for the year ended December 31, 2006 for the Platform, is
fairly stated, in all material respects.

                                                /s/ Ernst & Young LLP

March 1, 2007

                                      -13-

<PAGE>
                                  EXHIBIT 34.3
                                ----------------
             Report of Independent Registered Public Accounting Firm
                 JPMorgan Chase Bank, N.A., as Indenture Trustee

                                                   PricewaterhouseCoopers LLP
                                                   PricewaterhouseCoopers Center
                                                   300 Madison Avenue
                                                   New York NY  10017
                                                   Telephone (646)471-3000
                                                   Facsimile (813)286-6000

             Report of Independent Registered Public Accounting Firm


To the Board of Directors of JPMorgan Chase Bank, National Association

We have examined  JPMorgan Chase Bank,  National  Association's  (the "Company")
compliance  with  the  servicing  criteria  set  forth  in Item  1122(d)  of the
Securities and Exchange Commission's  Regulation AB as of September 30, 2006 and
for the  period  from  January 1, 2006 to  September  30,  2006 (the  "Reporting
Period") for the  asset-backed  securities  transactions  backed by  residential
mortgages, home equity loans, auto loans, credit card receivables,  dealer floor
plans, retail installment contracts and manufactured housing contracts that were
registered  with  the  Securities  and  Exchange   Commission  pursuant  to  the
Securities Act of 1933, as amended,  where the related  asset-backed  securities
were outstanding  during the Reporting Period (the "Platform")  described in the
accompanying  Management's  Report on Assessment of Compliance  with  Applicable
Servicing  Criteria,  excluding criteria  1122(d)(1)(ii)-(iv),  1122(d)(2)(iii),
1122(d)(2)(vi),  1122(d)(4)(i)-(ii), and 1122(d)(4)(iv)-(xiv), which the Company
has determined are not  applicable to the servicing  activities  performed by it
with respect to the Platform.  Appendix A to management's  assertion  identifies
the individual asset-backed transactions and securities defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on the Company's  compliance  with the servicing  criteria  based on our
examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

Our  examination  disclosed  the  following  material   noncompliance  with  the
servicing  criteria  set  forth in Items  1122(d)(3)(i)  and  1122(d)(3)(ii)  of
Regulation AB  applicable to the Company  during the period from January 1, 2006
to September 30, 2006.  Certain monthly  investor  reports  omitted  information
required  by  the  transaction   agreements   and/or  contained  errors  in  the
information  presented  and certain  monthly  investor  distributions  contained
errors as to the amounts due to certain investors.

In our opinion, except for the material noncompliance described in the preceding
paragraph,   JPMorgan  Chase  Bank,  National   Association  complied  with  the
aforementioned  applicable  servicing  criteria  as of and for the period  ended
September 30, 2006 for the Platform, in all material respects.


/s/ PricewaterhouseCoopers LLP
-------------------------------
New York, New York
March 14, 2007


                                                   PricewaterhouseCoopers LLP
                                                   PricewaterhouseCoopers Center
                                                   300 Madison Avenue
                                                   New York NY  10017
                                                   Telephone (646)471-3000
                                                   Facsimile (813)286-6000

             Report of Independent Registered Public Accounting Firm

To the Board of Directors of JPMorgan Chase Bank, National Association

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report on  Assessment  of  Compliance  with  Applicable  Servicing
Criteria,  that  JPMorgan  Chase  Bank,  National  Association  (the  "Company")
complied with the servicing  criteria set forth in Item 1122(d)of the Securities
and  Exchange  Commission's  Regulation  AB as of December  31, 2006 and for the
period from  October 1, 2006 to December 31, 2006 (the  "Reporting  Period") for
the asset-backed securities  transactions backed by residential mortgages,  home
equity loans, auto loans,  credit cards,  dealer floor plans, retail installment
contracts and  manufactured  housing  contacts,  that were  registered  with the
Securities  and Exchange  Commission  pursuant to the Securities Act of 1933, as
amended,  where the related asset-backed  securities were outstanding during the
Reporting  Period  (the  "Platform"),   excluding  criteria  1122(d)(1)(i)-(iv),
1122(d)(2)(i)-(iv), 1122(d)(3)(i)-(iv) and 1122(d)(4)(i)-(xv), which the Company
has determined are not  applicable to the servicing  activities  performed by it
with respect to the Platform.  Appendix A to management's  assertion  identifies
the individual asset-backed transactions and securities defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

In our opinion,  management's  assertion that the JPMorgan Chase Bank,  National
Association complied with the aforementioned applicable servicing criteria as of
and for the period ended December 31, 2006 for the Platform is fairly stated, in
all material respects.


/s/ PricewaterhouseCoopers LLP
-------------------------------
New York, New York
March 12, 2007

                                      -14-

<PAGE>
                                  EXHIBIT 34.4
                                ----------------
             Report of Independent Registered Public Accounting Firm
          J.P. Morgan Trust Company, National Association, as Custodian

                                                PricewaterhouseCoopers LLP
                                                PricewaterhouseCoopers Center
                                                300 Madison Avenue
                                                New York, NY  10017
                                                Telephone (646)471 3000
                                                Facsimile (813)286 6000


To the Board of Directors of J.P. Morgan Trust Company, National Association:

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report on  Assessment  of  Compliance  with  Applicable  Servicing
Criteria, that J. P. Morgan Trust Company,  National Association (the "Company")
complied with the servicing  criteria set forth in Item 1122(d)of the Securities
and Exchange Commission's Regulation AB for asset-backed securities transactions
backed by  residential  mortgages and home equity  loans,  for which the Company
acts as Custodian (the "Platform"),  as of September 30, 2006 and for the period
from   January   1,   2006   to   September   30,   2006   excluding    criteria
1122(d)(1)(i)-(iv),  (2)(i)-(iv),  (3)(i)-(iv),  and  (4)(iii)-(xv),  which  the
Company has determined are not applicable to the activities performed by it with
respect to the Platform. Appendix A to the management's assertion identifies the
individual  asset-backed  transactions  and securities  defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

In our  opinion,  management's  assertion  that the  Company  complied  with the
aforementioned  applicable  servicing  criteria  as of and  for the  year  ended
September 30, 2006 for the Platform is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP
------------------------------
March 1, 2007


                                      -15-

<PAGE>
                                  EXHIBIT 35.1
                                ----------------

                              OFFICER'S CERTIFICATE
                    REGARDING ANNUAL STATEMENT OF COMPLIANCE

Origen Manufactured Housing Contract Trust Collateralized Notes, Series 2006-A

     I, W. Anderson  Geater,  hereby  certify that I am a duly  appointed  Chief
Financial  Officer  of  Origen Financial L.L.C.  (the  "Servicer")  and  further
certify as follows:

     1.   This  certification  is  being  made  pursuant  to  the  terms  of the
          Servicing  Agreement,  dated as of  August  1,  2006  (the  "Servicing
          Agreement"),  among Origen Manufactured Housing Contract Trust 2006-A,
          as Issuing Entity, the Servicer, as Servicer,  Origen Servicing,  Inc.
          as subservicer (the "Subservicer"), and Bank of New York, as indenture
          trustee.

     2.   I have  reviewed the  activities  of the Servicer and the  Subservicer
          during the  preceding  year and the  Servicer's  performance  (and the
          Subservicer's   performance  on  the  Servicer's   behalf)  under  the
          Servicing  Agreement  and to the best of my  knowledge,  based on such
          review,  each of the Servicer and Subservicer has fulfilled all of its
          obligations under the Servicing Agreement throughout the year.

     Capitalized  terms not otherwise defined herein have the meanings set forth
     in the Servicing Agreement.


     By:     /s/ W. Anderson Geater, Jr.
             ---------------------------------

     Name:   W. Anderson Geater, Jr.
     Title:  Chief Financial Officer
     Date:   March 7, 2007


          I, David C. Daugherty, a Controller of Origen Financial L.L.C., hereby
     certify that W. Anderson  Geater is a duly elected,  qualified,  and acting
     Chief  Financial  Officer of Origen Financial L.L.C. and that the signature
     appearing above is his genuine signature.

          IN WITNESS  WHEREOF,  the undersigned has executed this Certificate as
     of March 7, 2007.

     By:     /s/ David C. Daugherty
             ---------------------------------
     Name:   David C. Daugherty
     Title:  Controller



                                      -16-