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**Assessment        of Compliance with the Servicing Criteria **

**set        forth in Item 1122(d) of Regulation AB**

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|   |  Date:                    1 March 2007                                                          |
|--------|----------------------------------------------------------------------------------------------------------------|
|   |  By:                       Debra F. Watkins                                      |
|   |  Name:                  Debra F. Watkins                                                                  |
|   |  Title:                    Executive                  Vice President and Chief Capital          |
|   |              Markets                  Officer |

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**Appendix      A - 1122 Servicing Criteria Table**

| **RegAB****Reference** | **Servicing                  Criteria**                                                                                                                                                                                                                                                                                                                                                  | **Performed****Directly By****HomeBanc**                                 | **Performed****by Vendors**                                         | **Performed                  by Other****Vendors** | **Inapplicable****Servicing****Criteria**                                  | **Material                  Non-****Compliance** |
|------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------|---------------------------------------------------------------------|----------------------------------------------------|----------------------------------------------------------------------------|--------------------------------------------------|
|                   | General                  Servicing Considerations                                                                                                                                                                                                                                                                                                                                        |                                                                     |                                                                |                                               |                                                                       |                                             |
| 1122(d)(1)(i)          | Policies                  and procedures are instituted to monitor any performance or other                  triggers                  and events of default in accordance with the transaction                  agreements.                                                                                                                                                             | X                                                                        |                                                                |                                               |                                                                       | None                                             |
| 1122(d)(1)(ii)         | If                  any material servicing activities are outsourced to third parties,                  policies and procedures are instituted to monitor the third party's                  performance and compliance with such servicing activities.                                                                                                                                  | X                                                                        |                                                                |                                               |                                                                       | None                                             |
| 1122(d)(1)(iii)        | Any                  requirements in the transaction agreements to maintain a back-up                  servicer                  for the Pool Assets are maintained.                                                                                                                                                                                                                     |                                                                     |                                                                |                                               | X                                                                          | N/A                                              |
| 1122(d)(1)(iv)         | A                  fidelity bond and errors and omissions policy is 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. | X                                                                        | X                                                                   | X                                                  |                                                                       | None                                             |
|                   | **Cash                  Collection and Administration**                                                                                                                                                                                                                                                                                                                                  |                                                                     |                                                                |                                               |                                                                       |                                             |
|  1122(d)(2)(i)    | Payments                on pool assets are deposited into the appropriate custodial bank                accounts                and related bank clearing accounts no more than two business days                following receipt, or such other number of days specifies in the                transaction agreements.                                                       | Related                to accounts maintained by the Service        | Related                to accounts maintained by the Servicer  |                                               | Related                to accounts maintained by the Master Servicer  | None                                        |
| 1122(d)(2)(ii)    | Disbursements                made via wire transfer on behalf of an obligor or to an investor                are made                only by authorized personnel.                                                                                                                                                                                                                  | Related                to accounts maintained by the Servicer  |                                                                |                                               | Related                to accounts maintained by the Master Servicer  |  None                                       |
| 1122(d)(2)(iii)        | Advances                  of funds or guarantees regarding collections, cash flows or distributions,                  and any interest or other fees charged for such advances, are made,                  reviewed and approved as specified in the transaction                  agreements.                                                                                            | Related                  to accounts maintained by the Servicer          |                                                                |                                               | Related                  to accounts maintained by the Master Servicer -   | None                                             |
| 1122(d)(2)(iv)         | The                  related accounts for the transaction, such as cash reserve accounts                  or                  accounts established as a form of over collateralization, are separately                  maintained (e.g., with respect to commingling of cash) as set forth                  in the                  transaction agreements.                             | Related                  to accounts maintained by the Servicer          |                                                                |                                               | Related                  to accounts maintained by the Master Servicer     | None                                             |

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**Appendix        A - 1122 Servicing Criteria Table**

| **RegAB****Reference** | **Servicing                    Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | **Performed                    Directly By****HomeBanc**                                                | **Performed****by                    Vendors** | **Performed                    by Other Vendors** | **Inapplicable                    Servicing****Criteria**                                                                      | **Material                    Non-****Compliance**                                                                                                                                                                                                |
|------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|------------------------------------------------|---------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 1122(d)(2)(v)          | Each                    custodial account is maintained at a federally insured depository                    institution as set forth in the transaction agreements. For purposes                    of                    this criterion,                    "federally insured depository institution" with respect to a                    foreign                    financial                    institution means a foreign financial institution that meets                    the                    requirements                    of Rule 13k-l(b)(l) of the Securities Exchange Act.                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Related                    to accounts                    maintained by the                    Servicer |                                           |                                              | Related                    to accounts maintained by the                    Master Servicer                                    | None                                                                                                                                                                                                                                              |
| 1122(d)(2)(vi)         | Unissued                    checks are safeguarded so as to prevent unauthorized                    access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Related                    to accounts                    maintained by the                    Servicer |                                           |                                              | Related                    to accounts maintained by the                    Master Servicer                                    | None                                                                                                                                                                                                                                              |
| 1122(d)(2)(vii)        | Reconciliations                    are prepared on a monthly basis for all asset-backed securities                    related                    bank accounts, including custodial accounts and related bank                    clearing                    accounts.                    These reconciliations are (A) mathematically accurate; (B) prepared                    within                    30 calendar days after the bank statement cutoff date, or such                    other                    number of days specified in the transaction agreements; (C) reviewed                    and                    approved by someone other than the person who prepared the reconciliation;                    and                    (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. | Related                    to accounts maintained                    by the                    Servicer |                                           |                                              | Related                    to accounts maintained by the                    Master Servicer                                    | Bank                    reconciliations were                    completed within                    45 days of the bank                    statement cutoff date,                    the Freddie Mac standard. See Appendix                    C. |
| **RegAB****Reference** | **Investor                    Remittances and Reporting**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |                                                                                                    |                                           |                                              |                                                                                                                           |                                                                                                                                                                                                                                              |
| 1122(d)(3)(i)          | Reports                    to investors, including those to be filed with the Commission,                    are                    maintained in accordance with the transaction agreements and                    applicable                    Commission requirements. Specifically, such reports (A) are prepared                    in                    accordance with timeframes and other 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                    indenture                    trustee's records as to the total unpaid principal balance and                    number of                    Pool Assets serviced by the related Servicer.                            | Related                    to reports prepared                    by the Servicer                       |                                           |                                              | Related                    to reports                    prepared                    by the                    Master Servicer | None                                                                                                                                                                                                                                              |
| 1122(d)(3)(ii)         | Amounts                    due to investors are allocated and remitted in accordance with                    timeframes,                    distribution priority and other terms set forth in the transaction                    agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Related                    to remittance to the                    Master Servicer                      |                                           |                                              | Related                    to remittance                    to investors                                                       | None                                                                                                                                                                                                                                              |
| 1122(d)(3)(iii)        | Disbursements                    made to an investor are posted within two business days to the                    related                    Servicer's investor records, or such other number of days specified                    in the                    transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Related                    to remittance                    to the                    Master Servicer   |                                           |                                              | Related                    to remittance                    to investors                                                       | None                                                                                                                                                                                                                                              |

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**Appendix        A - 1122 Servicing Criteria Table**

| **RegAB****Reference** | **Servicing                    Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **Performed****Directly                    By****HomeBanc**                                           | **Performed****by                    Vendors** | **Performed****by                    Other Vendors** | **Inapplicable                    Servicing Criteria**                                                                                                           | **Material                    Non-Compliance** |
|------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------|------------------------------------------------|------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------|
| 1122(d)(3)(iv)         | Amounts                    remitted to investors per the investor reports agree with cancelled                    checks,                    or other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Related                    to remittance                    to the                    Master Servicer |                                           |                                                 | Related                    to remittance to investors                                                                                                            | None                                           |
|                   | **Pool                    Asset Administration**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                                                                  |                                           |                                                 |                                                                                                                                                             |                                           |
| 1122(d)(4)(i)          | Collateral                    or security on pool assets is maintained as required by the transaction                    agreements or related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Related                    to collateral                    held by                    the Servicer   |                                           |                                                 | Related                    to collateral not held by the Servicer                                                                                                | None                                           |
| 1122(d)(4)(ii)         | Pool                    assets and related documents are safeguarded as required by the                    transaction                    agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Related                    to documents held                    by the Servicer                       |                                           |                                                 | Related                    to documents                    held by the Custodian.                                                                                | None                                           |
| 1122(d)(4)(iii)        | Any                    additions, removals or substitutions to the asset pool are made,                    reviewed                    and                    approved in accordance with any conditions or requirements in                    the                    transaction                    agreements.                                                                                                                                                                                                                                                                                                                                                                                                  | Related                    to the activities                    of the                    Servicer    |                                           |                                                 | Related                    to the activities                    of the                    Master Servicer                    and/or                    Custodian | None                                           |
| 1122(d)(4)(iv)         | Payments                    on pool assets, including any payoffs, made in accordance with                    the                    related                    pool asset documents are posted to the related 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. | X                                                                                                     |                                           |                                                 |                                                                                                                                                             | None                                           |
| 1122(d)(4)(v)          | The                    related Servicer's records regarding the pool assets agree with                    the                    related Servicer's                    records with respect to an obligor's unpaid principal                    balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X                                                                                                     |                                           |                                                 |                                                                                                                                                             | None                                           |
| 1122(d)(4)(vi)         | Changes                    with respect to the terms or status of an 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.                                                                                                                                                                                                                                                                                                   | Related                    to the activities                    of the                    Servicer    |                                           |                                                 | Related                    to the activities                    of the                    Master Servicer                                                        | None                                           |
| 1122(d)(4)(vii)        | Loss                    mitigation or recovery actions (e.g., forbearance plans, modifications                    and                    deeds in lieu of foreclosure, foreclosures and repossessions,                    as                    applicable) are initiated, conducted and concluded in accordance                    with the                    timeframes or other requirements                    established by the transaction agreements.                                                                                                                                                                                                                                                    | Related                    to the activities                    of the                    Servicer    |                                           |                                                 | Related                    to the activities                    of the Master Servicer                                                                           | None                                           |

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**Appendix        A - 1122 Servicing Criteria Table**

| **RegAB****Reference** | **Servicing                    Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | **Performed.****Directly                    By****HomeBanc** | **Performed** **by                    Vendors** | **Performed****by                    Other Vendors** | **Inapplicable****Servicing****Criteria** | **Reg                    AB Reference**                                                                                                                                                                             |
|------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------|------------------------------------------------------|------------------------------------------------------|-------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 1122(d)(4)(viii)       | Records                    documenting collection efforts are 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).                                                                                                                                                                                                                  | X                                                            |                                                 |                                                 |                                      | Collection                    activities related to delinquent mortgage loans were not fully                    documented                    in the servicing system                    of record. See Appendix C. |
| 1122(d)(4)(ix)         | Adjustments                    to interest rates or rates of return for pool assets with variable                    rates                    are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | X                                                            |                                                 |                                                 |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(x)          | Regarding                    any funds held in trust for an obligor (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. | X                                                            |                                                 |                                                 |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(xi)         | Payments                    made on behalf of an obligor (such as tax or insurance payments)                    are                    made                    on or before the related penalty or expiration dates, as indicated                    on the                    appropriate bills or notices for such payments, provided that                    such support                    has been received by the servicer at least 30 calendar days prior                    to these                    dates, or such other number of days specified in the transaction                    agreements.                                                                                                                                                                                                                                                                                                                                                    |                                                         |                                                 | X                                                    |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(xii)        | Any                    late payment penalties in connection with any payment to be made                    on behalf                    of an obligor are paid from the related Servicer's funds and                    not charged                    to                    the obligor, unless the late payment was due to the obligor's                    error or                    omission.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |                                                         |                                                 | X                                                    |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(xiii)       | Disbursements                    made on behalf of an obligor are posted within two business days                    to the                    obligor's records maintained by the servicer, or such other number                    of days                    specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |                                                         |                                                 | X                                                    |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(xiv)        | Delinquencies,                    charge-offs and uncollectible accounts are recognized and recorded                    in accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | X                                                            |                                                 |                                                 |                                      | None                                                                                                                                                                                                                |
| 1122(d)(4)(xv)         | Any                    external enhancement or other support, identified in Item 1114(a)(l)                    through                    (3) or Item 1115 of Regulation AB, is maintained as set forth                    in the                    transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                                         |                                                 |                                                 | X                                         | N/A                                                                                                                                                                                                                 |

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**Appendix        B**

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**Appendix        C**

**Bank          Reconciliations:**

**Collection          Activities:**

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