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



                                          FORM 10-K


  (Mark one)

  /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the fiscal year ended December 31, 2005

      OR



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


      Commission File Number:  333-120966-18


        Adjustable Rate Mortgage Trust
        Adjustable Rate Mortgage-Backed P/T Cert
        Series 2005-7

     (Exact name of registrant as specified in its charter)


  New York                                          54-2176706
  (State or other jurisdiction of                   54-2176707
  incorporation or organization)                    54-2176708
                                                    54-2176709
                                                    (I.R.S. Employer
                                                    Identification No.)


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


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


  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.

        Not applicable.


  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 12b-2 of the
  Exchange Act. (Check One):


  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.


     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 or 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 December 24, 1980).

        Not applicable.




                                   PART I
  Item 1.  Business.

            Not applicable.


  Item 1A.  Risk Factors.

            Not applicable.


  Item 1B.  Unresolved Staff Comments.

            Not applicable.


  Item 2.  Properties.

            Not applicable.


  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Pooling and Servicing
            Agreement (the Trust), the Trustee, the Servicer or the
            registrant with respect to the Trust other than routine
            litigation incidental to the duties of the respective parties.


  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.

            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2005, the total number of holders
            of record for the Series of Certificates is 31.


  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.

            None.




                                PART III

  Item 10. Directors and Executive Officers of the Registrant.

            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.

            Not applicable.


  Item 14. Principal Accounting Fees and Services.

            Not applicable.




                                PART IV

  Item 15. Exhibits, Financial Statement Schedules.

   (a) Exhibits

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

     (99.1) Annual Independent Accountants' Servicing Reports concerning
            servicing activities.

      <TABLE>

      
         <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      c) HSBC Bank, USA, as Servicer <F1>
      d) Indymac Bank, F.S.B., as Servicer <F1>
      e) National City Mortgage Co, as Servicer <F1>
      f) Select Portfolio Servicing, as Servicer <F1>
      g) Sun Trust Mortgage Inc, as Servicer <F1>
      h) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>

     (99.2) Report of Management as to Compliance with Minimum Servicing
            Standards.

      <TABLE>

      
        <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      c) HSBC Bank, USA, as Servicer <F1>
      d) Indymac Bank, F.S.B., as Servicer <F1>
      e) National City Mortgage Co, as Servicer <F1>
      f) Select Portfolio Servicing, as Servicer <F1>
      g) Sun Trust Mortgage Inc, as Servicer <F1>
      h) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>

     (99.3) Annual Statements of Compliance under the Pooling and Servicing
            Agreements.

      <TABLE>

      
         <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      c) HSBC Bank, USA, as Servicer <F1>
      d) Indymac Bank, F.S.B., as Servicer <F1>
      e) National City Mortgage Co, as Servicer <F1>
      f) Select Portfolio Servicing, as Servicer <F1>
      g) Sun Trust Mortgage Inc, as Servicer <F1>
      h) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>


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


   (b) Not applicable.

   (c) Omitted.


  <F1> Filed herewith.


                                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:



    Adjustable Rate Mortgage Trust
    Adjustable Rate Mortgage-Backed P/T Cert
    Series 2005-7
    (Registrant)


  Signed: Credit Suisse First Boston Mortgage Securities Corp. as Depositor

  By:     Bruce Kaiserman, Vice President

  By: /s/ Bruce Kaiserman, Vice President

  Dated:  March 30, 2006




  Exhibit Index

  Exhibit No.

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

  Re: Credit Suisse First Boston Mortgage Securities Corp.,
      Adjustable Rate Mortgage Trust 2005-7,
      Adjustable Rate Mortgage Backed Pass Through Certificates,
      Series 2005-7


  I, Bruce Kaiserman, certify that:

  1. I have reviewed this annual report on Form 10 K, and all reports on
     Form 8 K containing distribution and servicing reports filed in
     respect of periods included in the year covered by this annual report,
     of Adjustable Rate Mortgage Trust 2005-7, Adjustable Rate Mortgage
     Backed Pass Through Certificates, Series 2005-7 (the "Trust");

  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
     prepared by the Trust Administrator based upon the servicing
     information required to be provided by each Servicer and the Master
     Servicer under the Pooling and Servicing Agreement 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 Trust
     Administrator in accordance with the terms of the Pooling and
     Servicing Agreement and based upon the review required under the
     Pooling and Servicing Agreement, and except as disclosed in the
     report, each Servicer and the Master Servicer has fulfilled its
     obligations under the Pooling and Servicing Agreement; and

  5. The reports disclose all significant deficiencies relating to each
     Servicer's and the Master Servicer's compliance with the minimum
     servicing standards based, in each case, upon the report provided by
     an independent public accountant, after conducting a review in
     compliance with the Uniform Single Attestation Program for Mortgage
     Bankers or similar standard as set forth in the Pooling and Servicing
     Agreement, that is included in these reports.

     In giving the certifications above, I have reasonably relied on the
     information provided to me by the following unaffiliated parties:
     Countrywide Home Loans Inc., as Servicer, Greenpoint Mortgage Funding,
     Inc., as Servicer, HSBC Bank, USA, as Servicer, Indymac Bank, F.S.B.,
     as Servicer, National City Mortgage Co, as Servicer, Sun Trust Mortgage
     Inc, as Servicer, Wells Fargo Bank, N.A., as Servicer, and Wells Fargo
     Bank, N.A. as Trust Administrator.

     Capitalized terms used but not defined herein have the meanings
     ascribed to them in the Pooling and Servicing Agreement, dated June 1,
     2005 (the "Pooling and Servicing Agreement"), among Credit Suisse
     First Boston Mortgage Securities Corp., as depositor, DLJ Mortgage
     Capital, Inc., as seller, Wells Fargo Bank, N.A., as trust
     administrator, master servicer, servicer and back-up servicer, U.S.
     Bank National Association, as trustee, Wilshire Credit Corporation,
     as special servicer, and the other servicers that are signatories
     thereto.



     Date:  March 30, 2006

     /s/ Bruce Kaiserman
     Signature

     Vice President
     Title




  EX-99.1 (a)
(logo)KPMG

KPMG LLP
Suite 2000
355 South Grand Avenue
Los Angeles, CA 90071-1568

Telephone 213 972 4000
Fax       213 622 1217
Internet  www.us.kpmg.com




Independent Accountants' Report


The Board of Directors
Countrywide Financial Corporation:

We have examined management's assertion, included in the accompanying Management
Assertion, that Countrywide Financial Corporation and subsidiaries, including
its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and
Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL,
(collectively, the "Company") complied with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005.  Management is responsible for the Company's compliance with
those minimum servicing standards.  Our responsibility is to express an opinion
on management's assertion about the Company's compliance based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances.  We
believe that our examination provides a reasonable basis for our opinion.  Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans,
Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL, complied with the aforementioned minimum servicing standards
as of and for the year ended December 31, 2005 is fairly stated, in all material
respects.


/s/ KPMG LLP


March 3, 2006





KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (b)
(logo) KPMG

KPMG LLP
55 Second Street
San Francisco, CA 94105


Independent Accountants' Report


The Board of Directors
North Fork Bancorporation, Inc.:


We have examined management's assertion, included in the accompanying Management
Assertion, that GreenPoint Mortgage Funding, Inc., a wholly owned subsidiary of
North Fork Bancorporation, Inc., complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. Management is responsible for GreenPoint Mortgage Funding,
Inc.'s compliance with those minimum servicing standards. Our responsibility is
to express an opinion on management's assertion about GreenPoint Mortgage
Funding, Inc.'s compliance based on our examination.


Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about GreenPoint
Mortgage Funding, Inc.'s compliance with the minimum servicing standards
specified above and performing such other procedures as we considered necessary
in the circumstances. We believe that our examination provides a reasonable
basis for our opinion. Our examination does not provide a legal determination on
GreenPoint Mortgage Funding, Inc.'s compliance with the minimum servicing
standards.


Our examination disclosed the following material noncompliance with minimum
servicing standards over custodial bank accounts as of and for the year ended
December 31, 2005. Certain custodial bank account reconciliations were not
prepared and reviewed on a timely basis. In addition, there are certain
custodial bank accounts that have reconciling items that have not been resolved
within 90 calendar days of their original identification.


In our opinion, except for the material noncompliance described in the third
paragraph, GreenPoint Mortgage Funding, Inc. complied, in all material respects,
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2005.


/s/ KPMG LLP

February 21, 2006


KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (c)
(logo)KPMG


KPMG LLP
Suite 601
12 Fountain Plaza
Buffalo, NY 14202



Independent Accountants' Report


The Board of Directors
HSBC Mortgage Corporation (USA):


We have examined management's assertion, included in the accompanying
Management Assertion, that HSBC Mortgage Corporation (USA) complied with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as
of and for the year ended December 31, 2005. Management is responsible for
HSBC Mortgage Corporation (USA)'s compliance with those minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about HSBC Mortgage
Corporation (USA)'s compliance with the minimum servicing standards specified
above and performing such other procedures as we considered necessary in the
circumstances. We believe that our examination provides a reasonable basis
for our opinion. Our examination does not provide a legal determination on
HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing
standards.

In our opinion, management's assertion that HSBC Mortgage Corporation (USA)
complied with the aforementioned minimum servicing standards during the year
ended December 31, 2005 is fairly stated, in all material respects.


/s/ KPMG LLP

February 27, 2006



KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (d)
(logo)ERNST & YOUNG

* Ernst & Young LLP
  725 South Figueroa Street
  Los Angeles, California 90017-5418

* Phone: (213) 977-3200
  www.ey.com

Report on Management's Assertion on
Compliance with the Specified Minimum Servicing Standards Set Forth in the
Uniform Single Attestation Program for Mortgage Bankers

Report of Independent Registered Public Accounting Firm

Board of Directors and Shareholder
IndyMac Bank, F.S.B.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that IndyMac Bank, F.S.B. (the Bank) complied with
the servicing standards identified in Exhibit A (the "specified minimum
servicing standards") to the Report of Management as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP) during the year ended December 31, 2005. Management is
responsible for the Bank's compliance with these specified minimum servicing
standards. Our responsibility is to express an opinion on management's assertion
about the Bank's compliance based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Bank's compliance with the
specified minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide a
legal determination on the Bank's compliance with the specified minimum
servicing standards.

In our opinion, management's assertion that the Bank complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2005, is fairly stated, in all material respects.

/s/ Ernst & Young LLP

February 21, 2006


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


(page)


Exhibit A

Specified Minimum Servicing Standards


I. Custodial Bank Accounts

1. Reconciliations shall be prepared on a monthly basis for all custodial
   bank accounts and related bank clearing accounts. These reconciliations
   shall:

a.  be mathematically accurate;

b.  be prepared within forty-five (45) calendar days after the cutoff date. The
    cutoff date is the date as of which a bank account is reconciled every
    month. It may, or may not, coincide with a prescribed investor reporting
    date but shall be consistent from period to period;

c.  be reviewed and approved by someone other than the person who prepared the
    reconciliation; and

d.  document explanations for reconciling items. These reconciling items shall
    be resolved within ninety (90) calendar days of their original
    identification.

2. Funds of the servicing entity shall be advanced in cases where there is an
   overdraft in an investor's or a mortgagor's account.

3. Each custodial account shall be maintained at a federally insured depository
   institution in trust for the applicable investor.

4. Escrow funds held in trust for a mortgagor shall be returned to the
   mortgagor within thirty (30) calendar days of payoff of the mortgage loan.


II. Mortgage Payments

1. Mortgage payments shall be deposited into the custodial bank accounts and
   related bank clearing accounts within two (2) business days of receipt.

2. Mortgage payments made in accordance with the mortgagor's loan documents
   shall be posted to the applicable mortgagor records within two (2) business
   days of receipt.

3. Mortgage payments shall be allocated to principal, interest, insurance,
   taxes or other escrow items in accordance with the mortgagor's loan
   documents.

4. Mortgage payments identified as loan payoffs shall be allocated in
   accordance with the mortgagor's loan documents.


(page)


Exhibit A

Specified Minimum Servicing Standards (continued)


III. Disbursements

1. Disbursements made via wire transfer on behalf of a mortgagor or investor
   shall be made only by authorized personnel.

2. Disbursements made on behalf of a mortgagor or investor shall be posted
   within two (2) business days to the mortgagor's or investor's records
   maintained by the servicing entity.

3. Tax and insurance payments shall be made on or before the penalty or
   insurance policy expiration dates, as indicated on tax bills and insurance
   premium notices, respectively, provided that such support has been received
   by the servicing entity at least thirty (30) calendar days prior to these
   dates.

4. Any late payment penalties paid in conjunction with the payment of any tax
   bill or insurance premium notice shall be paid from the servicing entity's
   funds and not charged to the mortgagor, unless the late payment was due to
   the mortgagor's error or omission.

5. Amounts remitted to investors per the servicer's investor reports shall
   agree with cancelled checks, or other form of payment, or custodial bank
   statements.

6. Unissued checks shall be safeguarded so as to prevent unauthorized access.


IV. Investor Accounting and Reporting

1. The servicing entity's investor reports shall agree with, or reconcile to,
   investors' records on a monthly basis as to the total unpaid principal
   balance and number of loans serviced by the servicing entity.


V. Mortgagor Loan Accounting

1. The servicing entity's mortgage loan records shall agree with, or reconcile
   to, the records of mortgagors with respect to the unpaid principal balance
   on a monthly basis.

2. Adjustments on adjustable rate mortgage (ARM) loans shall be computed based
   on the related mortgage note and any ARM rider.

3. Escrow accounts shall be analyzed, in accordance with the mortgagor's loan
   documents, on at least an annual basis.

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


(page)


Exhibit A

Specified Minimum Servicing Standards (continued)


VI. Delinquencies

1. Records documenting collection efforts shall be maintained during the period
   a loan is in default and shall be updated at least monthly. Such records
   shall describe the entity's activities in monitoring delinquent loans
   including, for example, phone calls, letters and mortgage payment
   rescheduling plans in cases where the delinquency is deemed temporary (i.e.,
   illness or unemployment).

VII. Insurance Policies

1. A fidelity bond and errors and omissions policy shall be in effect on the
   servicing entity throughout the reporting period in the amount of coverage
   represented to investors in management's assertion.





  EX-99.1 (e)
(logo) ERNST&YOUNG

*Ernst & Young LLP
 Suite 1300
 925 Euclid Avenue
 Cleveland, OH 44115

*Phone: (216)861-5000
 www.ey.com



Report on Management's Assertion on Compliance
with the Specified Minimum Servicing Standards Set Forth in the
Uniform Single Attestation Program for Mortgage Bankers


Report of Independent Accountants



Board of Directors
National City Mortgage Co.


We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Mortgage Co.(NCM) complied with
the minimum servicing standards identified in Exhibit A to the Report of
Management (the specific minimum servicing standards) as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers during the year-ended December 31, 2005. Management is
responsible for NCM's compliance with the specified minimum servicing standards.
Our responsibility is to express an opinion on management's assertions about
NCM's compliance based on our examination.

Our examination was made in accordance with attestation standards established by
the Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCM's compliance with the
specified minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide a
legal determination on NCM's compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCM complied with the aforementioned
specified minimum servicing standards during the year ended December 31, 2005,
is fairly stated, in all material respects.


/s/ Ernst & Young LLP


March 1, 2006



A Member Practice of Earnst & Young Global


(page)


Exhibit A

Minimum Servicing Standards


Custodial Bank Accounts

Reconciliations shall be prepared on a monthly basis for all custodial bank
accounts and related bank clearing accounts. These reconciliations shall be
mathematically accurate, be prepared within forty-five (30) calendar days after
the cutoff date. The cutoff date is the date as of which a bank account is
reconciled every month. It may, or may not, coincide with a prescribed investor
reporting date but shall be consistent from period to period, be reviewed and
approved by someone other than the person who prepared the reconciliation and
document explanations for reconciling items. These reconciling items shall be
resolved within ninety (90) calendar days of their original identification.
Funds of the servicing entity shall be advanced in cases where there is an
overdraft in an investor's or a mortgagor's account. Each custodial account
shall be maintained at a federally insured depository institution in trust for
the applicable investor. Escrow funds held in trust for a mortgagor shall be
returned to the mortgagor within thirty (30) calendar days of payoff of the
mortgage loan.

Procedure:

The bank reconciliation processors have no reporting or remitting authority or
responsibility. They are responsible for reporting reconciling items greater
than 90 days to the supervisor. Because of this, the supervisor and manager
review all the clearing accounts, any account with reconciling items greater
than 90 days, and accounts with an overdrawn balance only.

All of the custodial accounts are reconciled each month, with any outstanding
items over 90 days reported to supervision for their review. They are reconciled
within 30 days.

After all accounts are reconciled,
* The bank recon log which records the all accounts and the date the
  reconciliation is completed is given to the Supervisor of the area.
* Any custodial account which has items 90 days outstanding is indicated in red
  on the log and that month's reconciliation is given with the log to the
  Supervisor.

The reconciliation log is given to the supervisor who verifies all accounts are
reconciled within the time frames. Each clearing account is reviewed by the
Supervisor for validity, verifying the reconciliation is complete and accurate,
using any system reports if they are applicable. The Supervisor signs off on the
bottom of each reconciliation and dates the document.

After all accounts are reviewed and any memos are prepared and signed off, all
of the reconciliations and the reconciliation log are then forwarded to the Vice
President of Investor Services for a second review and signoff.

All private pool investor (recon 660) and GSE principal and interest custodial
account reconciliations are reviewed and signed off on by the supervisor. Also,
the manager selects 10 accounts per month at random for review.

Mortgage Payments

Mortgage payments shall be deposited into the custodial bank accounts and
related bank clearing accounts within two (2) business days of receipt. Mortgage
payments made in accordance with


(page)


the mortgagor's loan documents shall be posted to the applicable mortgagor
records within two (2) business days of receipt. Mortgage payments shall be
allocated to principal, interest, insurance, taxes or other escrow items in
accordance with the mortgagor's loan documents. Mortgage payments identified as
loan payoffs shall be allocated in accordance with the mortgagor's loan
documents.

Procedure:

NCM receives mortgage payments from their customers through the following
channels: Lockbox, EFT, Over-the-Counter [OTC are payments made at a National
City Bank branch], In-House payments [payments received from other departments
or directly mailed to NCM], and Electronic Transmissions [payments received
electronically from vendors such as SpeedPay, CheckFree, Metavante, Princeton
eCom, On-Line Resources and Western Union Quick Collect]. All customer payments
made via Lockbox, EFT, Over-the-Counter, In-House and Electronic Transmissions
are ultimately transferred to the NCMC Collection Clearing Account (DDA #
2532529). The Collection Clearing account activity is balanced to Exact
transaction reports on a daily basis by Payment Services. These reports are
retrieved from a bank reporting service. The Collection Clearing account is also
balanced to the bank statement monthly by Investor Services, who has no payment
posting authority.

Each day, balancing processors ensure that the payments received from the
channels noted above are deposited into the related bank clearing accounts and
that the borrower's payment information has been updated to MSP [Fidelity].

All payments received by National City Mortgage are updated within two (2)
business days or less. Below is a description by payment channel.
* Lockbox has an SLA [Service Level Agreement] with NCM that 100% of matched
  payments will be processed same day. The remaining, exception payments will be
  processed 100% the next day.
* EFT payments are processed electronically on their scheduled date.
* OTC payments are transmitted directly to MSP daily by National City Bank.
* Electronic/Bill Payment Vendor payments are transmitted directly to MSP daily
  by the vendor.
* In-House payments are received from: (1) other departments, (2) unprocessed
  work from Lockbox; (3) Customer Service lobby; and (4) payments mailed
  directly to NCMC. In-House payments [exception payments] are keyed directly
  into the MSP system and are applied to the mortgagor records the day received
  by Payment Services. If all payments are not processed same day, they are
  processed the first thing the following morning. Payments are processed
  first-in-first-out.

Each payment processed into MSP [Fidelity] is automatically allocated by the MSP
system to principal, interest, taxes, insurance and service fees during MSP's
nightly processing. National City Mortgage Co. accepts payoffs by check or wire.
Payoff checks and wires received by 3:00 p.m. Eastern Time, Monday through
Friday, will be processed the same day. Payoff checks must be mailed to: 3232
Newmark Dr., Miamisburg, Ohio 45342, Attn: Payoff Dept. All payoffs are date
stamped and posted to the servicing system (Fidelity) the same day received with
the exception of short payoffs. Deposit slips are prepared and batch reconciled
to the deposit. The deposit slips and corresponding checks are hand delivered to
Payment Services for a second reconciliation to prepare for delivery to the
bank. If payoff funds received are inadequate and sufficient funds are not in
the loans escrow/impound account, National City Mortgage Co. will contact the
sender of the funds to collect the shortage.

Disbursements


(page)


Disbursements made via wire transfer on behalf of a mortgagor or investor shall
be made only by authorized personnel. Disbursements made on behalf of a
mortgagor or investor shall be posted within two (2) business days to the
mortgagor's or investor's records maintained by the servicing entity. Tax and
insurance payments shall be made on or before the penalty or insurance policy
expiration dates, as indicated on tax bills and insurance premium notices,
respectively, provided that such support has been received by the servicing
entity at least thirty (30) calendar days prior to these dates. Any late payment
penalties paid in conjunction with the payment of any tax bill or insurance
premium notice shall be paid from the servicing entity's funds and not charged
to the mortgagor, unless the late payment was due to the mortgagor's error or
omission. Amounts remitted to investors per the servicer's investor reports
shall agree with cancelled checks, or other form of payment, or custodial bank
statements. Unissued checks shall be safeguarded so as to prevent unauthorized
access.

Procedure:

National City Mortgage Co has proper internal controls to provide reasonable
assurance that investor remittances and tax and insurance payments are properly
authorized at the correct amount. The servicing system tracks due dates to
ensure timely payment. All clearing and custodial accounts are reconciled
monthly to the servicing system. Only authorized personnel are allowed wire
transfer access and check printing access. Internal audits and utilization of
the servicing system prevents duplicate payments.

Each loan is audited to ensure that the appropriate insurance and tax
information has been populated for correct disbursement. Tax and Insurance
information is tracked on an automated "Insurance or Tax Workstation" and
disbursements are generated based on the appropriate expiration or due date.

Investor Accounting and Reporting

The servicing entity's investor reports shall agree with, or reconcile to,
investors' records on a monthly basis as to the total unpaid principal balance
and number of loans serviced by the servicing entity.

Procedure:

For the majority of loans, the investor sends a "turnaround" report which
compares the servicer trial balance records to the investor records. Other
investors notify the Investor Services department of differences.

Mortgagor Loan Accounting

The servicing entity's mortgage loan records shall agree with, or reconcile to,
the records of mortgagors with respect to the unpaid principal balance on a
monthly basis. Adjustments on adjustable rate mortgage (ARM) loans shall be
computed based on the related mortgage note and any ARM rider. Escrow accounts
shall be analyzed, in accordance with the mortgagor's loan documents, on at
least an annual basis. Interest on escrow accounts shall be paid, or credited,
to mortgagors in accordance with the applicable state laws.

Procedure:

Once a loan boards the Fidelity servicing system, it is reviewed for accuracy.
The Fidelity system tracks each loan until termination. Sufficient funds are
deposited to the escrow account to cover insurance premiums, (including hazard,
flood, PMI and MIP), taxes, and special assessments.


(page)


ARM adjustments are calculated on an automated "ARM workstation" and are based
on the appropriate index as obtained in the Wall Street Journal or other
financial publication as needed. A letter is sent according to RESPA
requirements, advising the borrower of the new rate.

Each escrowed loan is boarded on the Fidelity servicing system with a coupon
month that indicates when the loan is due for escrow analysis. Loans are
reviewed each month based upon the coupon month and the mass escrow analysis is
performed. Quality audit reports are ordered monthly on the entire portfolio to
ensure that the loans are in the appropriate coupon month and that each loan has
been analyzed in the past twelve months or remains within RESPA compliance.

The accrual of interest on escrow is tracked on the Fidelity servicing system on
the loan level. Monthly reports, ordered by the Escrow Analysis Supervisor,
release the funds to be deposited into the escrow accounts. Quarterly, the
Escrow Analysis Supervisor reviews the state regulations for changes. Quality
audit reports are ordered monthly on the loans in states requiring interest on
escrow to ensure that the loans are properly coded for interest on escrow.

Delinquencies

Records documenting collection efforts shall be maintained during the period a
loan is in default and shall be updated at least monthly. Such records shall
describe the entity's activities in monitoring delinquent loans including, for
example, phone calls, letters and mortgage payment repayment plans in cases
where the delinquency is deemed temporary (i.e., illness or unemployment).

Procedure:

National City Mortgage Co.'s collection strategy is to make early contact with
delinquent mortgagors to improve the likelihood that defaults and poor pay
habits can be cured. This strategy employs a series of calls, letters, and
property inspections to gather information regarding the reasons for default,
the mortgagors' ability to pay, their intentions to retain the property and the
condition of the property.

Delinquency trends, by product, are analyzed throughout the month to provide
effective call campaign penetration strategies. Risk Profiler and Early
Indicator scoring are utilized to prioritize calling campaigns. High risk and
special product loans are managed in a Special Servicing Team. This team
consists of counselors who demonstrate strong technical and product knowledge,
excellent listening skills, and possess a thorough understanding of loss
mitigation.

The use of Early Resolution allows counselors to work all stages of delinquency.
Loans thirty or more days past due are worked through Early Resolution starting
the first day of the month. Less than thirty-day delinquent loans are worked in
FIS through the sixteenth of the month. All delinquent loans are processed
through Early Resolution by the seventeenth day of the month.

The scripting and prompting tools within Early Resolution guide the counselor to
obtain the necessary mortgagor information required to evaluate a hierarchy of
solutions. Approximately three hundred management controls and embedded complex
calculations within Early Resolution lead the counselor through the appropriate
qualification/pre-qualification or loss mitigation resolution. The available
Loss Mitigation options are:
* Partial Claim/Claim Advance

* Modification

* Short Sale


(page)


* Deed-in-lieu of foreclosure

Workouts are encouraged if the end result is to improve the likelihood that the
mortgagor can retain his/her home through reduced payments or that losses can be
reduced through an assisted short sale of the property. In the interest of
minimizing investor losses, collection activity continues during the loss
mitigation review process. If the mortgagor's financial situation does not
support a workout or if the mortgagor is unwilling to work with National City
Mortgage Co., the loan is breached and moved timely through the foreclosure
process. Loss Mitigation will continue to be offered to the borrower throughout
the foreclosure process.

Insurance Policies

A fidelity bond and errors and omissions policy shall be in effect on the
servicing entity throughout the reporting period in the amount of coverage
represented to investors in management's assertion.

Procedure:

National City Mortgage Co is required to carry adequate coverage on National
City Mortgage Co's loans in the event that National City Mortgage Co made an
error. The policy is reviewed annually to ensure proper coverage.





  EX-99.1 (f)
(logo) KPMG

KPMG LLP
303 East Wacker Drive
Chicago, IL 60601

Telephone 312 665 1000
Fax       312 665 6038
Internet  www.us.kpmg.com



Independent Accountants' Report



To the Advisory Committee of Select Portfolio Servicing, Inc. and Subsidiaries,
an indirect subsidiary of Credit Suisse (USA), Inc.:

We have examined management's assertion, included in the accompanying Appendix
I, that Select Portfolio Servicing, Inc. and Subsidiaries ("the Company"), an
indirect subsidiary of Credit Suisse (USA), Inc., complied with the applicable
minimum servicing standards as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP), as of
and for the year ended December 31, 2005. Management is responsible for the
Company's compliance with those minimum servicing standards. Our responsibility
is to express an opinion on management's assertion about the Company's
compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing standards as of and for the year ended December 31,
2005, is fairly stated, in all material respects.


/s/ KPMG LLC

February 28, 2006









KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (g)
(logo) PRICEWATERHOUSECOOPERS

PricewaterhouseCoopers LLP
10 Tenth Street, Suite 1400
Atlanta GA 30309-3851
Telephone (678) 419 1000
Facsimile (678) 419 1239

Report of Independent Accountants

To the Board of Directors and Stockholder
of SunTrust Mortgage, Inc. and Subsidiaries:

We have examined management's assertion about SunTrust Mortgage, Inc. and its
subsidiaries' (the "Company") compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended
December 31, 2005 included in the accompanying management assertion (see Exhibit
I). Management is responsible for the Company's compliance with those minimum
servicing standards. Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.

Our examination was made in accordance with attestation standards established by
the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with the minimum servicing standards and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide a
legal determination on the Company's compliance with the minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2005 is fairly stated, in all material respects.

/s/Pricewaterhouse Coopers LLP

February 21, 2006





  EX-99.1 (h)
(logo) KPMG

KPMG LLP
2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


Independent Accountants' Report


The Board of Directors
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:


We have examined management's assertion, included in the accompanying Assertion
of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
(the Company), that the Company complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2005. Management is responsible for the Company's compliance with
those minimum servicing standards. Our responsibility is to express an opinion
on management's assertion about the Company's compliance based on our
examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures, as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the minimum servicing standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2005 is fairly stated, in all material respects.


/s/ KPMG LLP

February 21, 2006


KPMG LLP a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative





  EX-99.2 (a)
(logo) Countrywide
       HOME LOANS


2900 MADERA ROAD
SIMI VALLEY, CALIFORNIA 93065-6298
(805) 955-1000

Management Assertion



March 3, 2005

As of and for the year ended December 31, 2005, Countrywide Financial
Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide
Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a
wholly-owned subsidiary of CHL, (collectively, the "Company") have complied in
all material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation for
Mortgage Bankers.  As of and for this same period, the Company had in effect a
mortgage bankers' (fidelity) bond in the amount of $200 million and an errors
and omissions policy in the amount of $100 million and $130 million for the
period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005
to December 31, 2005, respectively.



/s/ Steve Bailey
Steve Bailey
Senior Managing Director and
Chief Executive Officer, Loan Administration



/s/ Kevin Meyers
Kevin Meyers
Managing Director and Chief Financial Officer,
Loan Administration





  EX-99.2 (b)
100 Wood Hollow Drive
Novato, Ca 94945
(800) 462-2700


(logo) GreenPoint Mortgage


Management's Assertion


February 21, 2006

As of and for the year ended and December 31, 2005, GreenPoint Mortgage Funding,
Inc. has complied in all material respects with the minimum servicing standards
set forth in the Mortgage Bankers Association of Americas Uniform Single
Attestation Program for Mortgage Bankers, except as follows:

  * During the year, certain custodial bank account reconciliations were not
    prepared and reviewed on a timely basis. In addition, there are certain
    custodial bank accounts that have reconciling items that have not been
    resolved with 90 calendar days of their original identification. For the
    month ended December 31, 2005, all custodial bank reconciliations had been
    completed and reviewed on a timely basis.

As of and for the year ended December 31, 2005, GreenPoint Mortgage Funding,
Inc. had in effect a fidelity bond in the amount of $25,000,000 for a single
loss limit and an aggregate limit of liability of $50,000,000, and an errors and
omissions policy in the amount of $25,000,000 for a single loss limit and no
aggregate limit of liability.


Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer


/s/ Steve Abreu
Steve Abreu
Chief Executive Officer

/s/ Dave Petrini
Dave Petrini
Chief Financial Officer

/s/ Becky Poisson
Becky Poisson
Executive Vice President of Technology and Servicing





  EX-99.2 (c)
(logo) HSBC


Management Assertion

As of and for the year ended December 31, 2005, HSBC Mortgage Corporation (USA)
complied in all material respects with the minimum servicing standards set forth
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers. As of and for this same period, HSBC Mortgage
Corporation (USA) had in effect fidelity bond and errors and omissions policies
in the amount of $697,425,000 and $10,000,000, respectively.


/s/ Michael T. Stilb
Michael T. Stilb
SVP, Mortgage Servicing


/s/ Thomas Scanlon
Thomas Scanlon
Chief Accounting Officer


/s/ Susan Wojnar
Susan Wojnar
SVP, Mortgage Servicing and Business Administration


HSBC Mortgage Corporation (USA)
2929 Walden Avenue, Depew, NY 14043

(logo)
EQUAL HOUNSING
LENDER





  EX-99.2 (d)
(logo)imb
IndymacBank


Management's Assertion on Compliance
with the Specified Minimum Servicing Standards Set Forth
in the Uniform Single Attestation Program for Mortgage Bankers

Report of Management

We, as members of management of IndyMac Bank, F.S.B. (the Bank), are responsible
for complying with the servicing standards identified in the attached Exhibit A
(the "specified minimum servicing standards") as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP). We are also responsible for establishing and maintaining
effective internal control over compliance with these specified minimum
servicing standards. We have performed an evaluation of the Bank's compliance
with the specified minimum servicing standards as of December 31, 2005 and for
the year then ended. Based on this evaluation, we assert that during the year
ended December 31, 2005, the Bank complied, in all material respects, with the
specified minimum servicing standards.

As of December 31, 2005 and for the year then ended, the Bank had in effect a
fidelity bond in the amount of S90,000,000 and an errors and omissions policy
in the amount of $20,000,000.


/s/ Michael W. Perry
Michael W. Perry
Chairman and
Chief Executive Officer

/s/ Tony Ebers
Tony Ebers
Executive Vice President and
CEO Indymac Consumer Bank

/s/ Scott Keys
Scott Keys
Executive Vice President and
Chief Financial Officer

/s/ J.K. Huey
J.K. Huey
Senior Vice President
Home Loan Servicing

February 21, 2006


www.Indymacbank.com

888 East Walnut Street, Pasadena, CA 91101
Tel 626 535 5555


(page)


Exhibit A

Specified Minimum Servicing Standards

I. Custodial Bank Accounts

 1. Reconciliations shall be prepared on a monthly basis for all custodial
    bank accounts and related bank clearing accounts. These reconciliations
    shall:

  a. be mathematically accurate;

  b. be prepared within forty-five (45) calendar days after the cutoff date. The
     cutoff date is the date as of which a bank account is reconciled every
     month. It may, or may not, coincide with a prescribed investor reporting
     date but shall be consistent from period to period;

  c. be reviewed and approved by someone other than the person who prepared the
     reconciliation; and

  d. document explanations for reconciling items. These reconciling items shall
     be resolved within ninety (90) calendar days of their original
     identification.

 2. Funds of the servicing entity shall be advanced in cases where there is an
    overdraft in an investor's or a mortgagor's account.

 3. Each custodial account shall be maintained at a federally insured depository
    institution in trust for the applicable investor.

 4. Escrow funds held in trust for a mortgagor shall be returned to the
    mortgagor within thirty (30) calendar days of payoff of the mortgage loan.

II. Mortgage Payments

 1. Mortgage payments shall be deposited into the custodial bank accounts and
    related bank clearing accounts within two (2) business days of receipt.

 2. Mortgage payments made in accordance with the mortgagor's loan documents
    shall be posted to the applicable mortgagor records within two (2) business
    days of receipt.

 3. Mortgage payments shall be allocated to principal, interest, insurance,
    taxes or other escrow items in accordance with the mortgagor's loan
    documents.

 4. Mortgage payments identified as loan payoffs shall be allocated in
    accordance with the mortgagor's loan documents.


(page)


Exhibit A

Specified Minimum Servicing Standards (continued)

III. Disbursements

 1. Disbursements made via wire transfer on behalf of a mortgagor or investor
    shall be made only by authorized personnel.

 2. Disbursements made on behalf of a mortgagor or investor shall be posted
    within two (2) business days to the mortgagor's or investor's records
    maintained by the servicing entity.

 3. Tax and insurance payments shall be made on or before the penalty or
    insurance policy expiration dates, as indicated on tax bills and insurance
    premium notices, respectively, provided that such support has been received
    by the servicing entity at least thirty (30) calendar days prior to these
    dates.

 4. Any late payment penalties paid in conjunction with the payment of any tax
    bill or insurance premium notice shall be paid from the servicing entity's
    funds and not charged to the mortgagor, unless the late payment was due to
    the mortgagor's error or omission.

 5. Amounts remitted to investors per the servicer's investor reports shall
    agree with cancelled checks, or other form of payment, or custodial bank
    statements.

 6. Unissued checks shall be safeguarded so as to prevent unauthorized access.

IV. Investor Accounting and Reporting

 1. The servicing entity's investor reports shall agree with, or reconcile to,
    investors' records on a monthly basis as to the total unpaid principal
    balance and number of loans serviced by the servicing entity.

V. Mortgagor Loan Accounting

 1. The servicing entity's mortgage loan records shall agree with, or reconcile
    to, the records of mortgagors with respect to the unpaid principal balance
    on a monthly basis.

 2. Adjustments on adjustable rate mortgage (ARM) loans shall be computed based
    on the related mortgage note and any ARM rider.

 3. Escrow accounts shall be analyzed, in accordance with the mortgagor's loan
    documents, on at least an annual basis.

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


(page)


Exhibit A

Specified Minimum Servicing Standards (continued)

VI. Delinquencies

 1. Records documenting collection efforts shall be maintained during the period
    a loan is in default and shall be updated at least monthly. Such records
    shall describe the entity's activities in monitoring delinquent loans
    including, for example, phone calls, letters and mortgage payment
    rescheduling plans in cases where the delinquency is deemed temporary (i.e.,
    illness or unemployment).

VII. Insurance Policies

 1. A fidelity bond and errors and omissions policy shall be in effect on the
    servicing entity throughout the reporting period in the amount of coverage
    represented to investors in management's assertion.





  EX-99.2 (e)
(logo) National City
Mortgage Co.

National City Mortgage Co.
A Subsidiary of National City Bank of Indiana
3232 Newmark Drive Miamisburg Ohio 45342
Telephone: (937) 910-1200

Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820

Management's Assertion on Compliance with the Specified Minimum
Servicing Standards Set Forth in the Uniform Single Attestation Program
for Mortgage Bankers

Report of Management

We, as members of management of National City Mortgage Co. (NCM), are
responsible for complying with the servicing standards identified in the
attached Exhibit A (the specified minimum servicing standards) as set forth
in the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP). We are also responsible for establishing
and maintaining effective internal control over compliance with these
specified minimum servicing standards. We have performed an evaluation of
NCM's compliance with the specified minimum servicing standards as of
December 31, 2005 and for the year then ended. Based on this evaluation, we
assert that during the year ended December 31, 2005, NCM complied, in all
material respects, with the specified minimum servicing standards set forth
in the USAP.

As of December 31, 2005 and for the year then ended, NCM had in effect a
fidelity bond policy in the amount of $200 million and an errors and
omissions policy in the amount of $250 million.



/s/ Steven M. Scheid
Steven M. Scheid
Senior Vice President

/s/ T. Jackson Case, Jr.
T. Jackson Case,Jr.
Executive Vice President

March 1, 2006



No one Cares More!


(PAGE)


Exhibit A

Minimum Servicing Standards


Custodial Bank Accounts

Reconciliations shall be prepared on a monthly basis for all custodial bank
accounts and related bank clearing accounts. These reconciliations shall be
mathematically accurate, be prepared within forty-five (30) calendar days after
the cutoff date. The cutoff date is the date as of which a bank account is
reconciled every month. It may, or may not, coincide with a prescribed investor
reporting date but shall be consistent from period to period, be reviewed and
approved by someone other than the person who prepared the reconciliation and
document explanations for reconciling items. These reconciling items shall be
resolved within ninety (90) calendar days of their original identification.
Funds of the servicing entity shall be advanced in cases where there is an
overdraft in an investor's or a mortgagor's account. Each custodial account
shall be maintained at a federally insured depository institution in trust for
the applicable investor. Escrow funds held in trust for a mortgagor shall be
returned to the mortgagor within thirty (30) calendar days of payoff of the
mortgage loan.

Procedure:

The bank reconciliation processors have no reporting or remitting authority or
responsibility. They are responsible for reporting reconciling items greater
than 90 days to the supervisor. Because of this, the supervisor and manager
review all the clearing accounts, any account with reconciling items greater
than 90 days, and accounts with an overdrawn balance only.

All of the custodial accounts are reconciled each month, with any outstanding
items over 90 days reported to supervision for their review. They are reconciled
within 30 days.

After all accounts are reconciled,
* The bank recon log which records the all accounts and the date the
  reconciliation is completed is given to the Supervisor of the area.
* Any custodial account which has items 90 days outstanding is indicated in red
  on the log and that month's reconciliation is given with the log to the
  Supervisor.

The reconciliation log is given to the supervisor who verifies all accounts are
reconciled within the time frames. Each clearing account is reviewed by the
Supervisor for validity, verifying the reconciliation is complete and accurate,
using any system reports if they are applicable. The Supervisor signs off on the
bottom of each reconciliation and dates the document.

After all accounts are reviewed and any memos are prepared and signed off, all
of the reconciliations and the reconciliation log are then forwarded to the Vice
President of Investor Services for a second review and signoff.

All private pool investor (recon 660) and GSE principal and interest custodial
account reconciliations are reviewed and signed off on by the supervisor. Also,
the manager selects 10 accounts per month at random for review.

Mortgage Payments

Mortgage payments shall be deposited into the custodial bank accounts and
related bank clearing accounts within two (2) business days of receipt. Mortgage
payments made in accordance with

(PAGE)


the mortgagor's loan documents shall be posted to the applicable mortgagor
records within two (2) business days of receipt. Mortgage payments shall be
allocated to principal, interest, insurance, taxes or other escrow items in
accordance with the mortgagor's loan documents. Mortgage payments identified as
loan payoffs shall be allocated in accordance with the mortgagor's loan
documents.

Procedure:

NCM receives mortgage payments from their customers through the following
channels: Lockbox, EFT, Over-the-Counter [OTC are payments made at a National
City Bank branch], In-House payments [payments received from other departments
or directly mailed to NCM], and Electronic Transmissions [payments received
electronically from vendors such as SpeedPay, CheckFree, Metavante, Princeton
eCom, On-Line Resources and Western Union Quick Collect]. All customer payments
made via Lockbox, EFT, Over-the-Counter, In-House and Electronic Transmissions
are ultimately transferred to the NCMC Collection Clearing Account (DDA #
2532529). The Collection Clearing account activity is balanced to Exact
transaction reports on a daily basis by Payment Services. These reports are
retrieved from a bank reporting service. The Collection Clearing account is also
balanced to the bank statement monthly by Investor Services, who has no payment
posting authority.

Each day, balancing processors ensure that the payments received from the
channels noted above are deposited into the related bank clearing accounts and
that the borrower's payment information has been updated to MSP [Fidelity].

All payments received by National City Mortgage are updated within two (2)
business days or less. Below is a description by payment channel.
* Lockbox has an SLA [Service Level Agreement] with NCM that 100% of matched
  payments will be processed same day. The remaining, exception payments will be
  processed 100% the next day.
* EFT payments are processed electronically on their scheduled date.
* OTC payments are transmitted directly to MSP daily by National City Bank.
* Electronic/Bill Payment Vendor payments are transmitted directly to MSP daily
  by the vendor.
* In-House payments are received from: (1) other departments, (2) unprocessed
  work from Lockbox; (3) Customer Service lobby; and (4) payments mailed
  directly to NCMC. In-House payments [exception payments] are keyed directly
  into the MSP system and are applied to the mortgagor records the day received
  by Payment Services. If all payments are not processed same day, they are
  processed the first thing the following morning. Payments are processed
  first-in-first-out.

Each payment processed into MSP [Fidelity] is automatically allocated by the MSP
system to principal, interest, taxes, insurance and service fees during MSP's
nightly processing. National City Mortgage Co. accepts payoffs by check or wire.
Payoff checks and wires received by 3:00 p.m. Eastern Time, Monday through
Friday, will be processed the same day. Payoff checks must be mailed to: 3232
Newmark Dr., Miamisburg, Ohio 45342, Attn: Payoff Dept. All payoffs are date
stamped and posted to the servicing system (Fidelity) the same day received with
the exception of short payoffs. Deposit slips are prepared and batch reconciled
to the deposit. The deposit slips and corresponding checks are hand delivered to
Payment Services for a second reconciliation to prepare for delivery to the
bank. If payoff funds received are inadequate and sufficient funds are not in
the loans escrow/impound account, National City Mortgage Co. will contact the
sender of the funds to collect the shortage.

Disbursements

(PAGE)


Disbursements made via wire transfer on behalf of a mortgagor or investor shall
be made only by authorized personnel. Disbursements made on behalf of a
mortgagor or investor shall be posted within two (2) business days to the
mortgagor's or investor's records maintained by the servicing entity. Tax and
insurance payments shall be made on or before the penalty or insurance policy
expiration dates, as indicated on tax bills and insurance premium notices,
respectively, provided that such support has been received by the servicing
entity at least thirty (30) calendar days prior to these dates. Any late payment
penalties paid in conjunction with the payment of any tax bill or insurance
premium notice shall be paid from the servicing entity's funds and not charged
to the mortgagor, unless the late payment was due to the mortgagor's error or
omission. Amounts remitted to investors per the servicer's investor reports
shall agree with cancelled checks, or other form of payment, or custodial bank
statements. Unissued checks shall be safeguarded so as to prevent unauthorized
access.

Procedure:

National City Mortgage Co has proper internal controls to provide reasonable
assurance that investor remittances and tax and insurance payments are properly
authorized at the correct amount. The servicing system tracks due dates to
ensure timely payment. All clearing and custodial accounts are reconciled
monthly to the servicing system. Only authorized personnel are allowed wire
transfer access and check printing access. Internal audits and utilization of
the servicing system prevents duplicate payments.

Each loan is audited to ensure that the appropriate insurance and tax
information has been populated for correct disbursement. Tax and Insurance
information is tracked on an automated "Insurance or Tax Workstation" and
disbursements are generated based on the appropriate expiration or due date.

Investor Accounting and Reporting

The servicing entity's investor reports shall agree with, or reconcile to,
investors' records on a monthly basis as to the total unpaid principal balance
and number of loans serviced by the servicing entity.

Procedure:

For the majority of loans, the investor sends a "turnaround" report which
compares the servicer trial balance records to the investor records. Other
investors notify the Investor Services department of differences.

Mortgagor Loan Accounting

The servicing entity's mortgage loan records shall agree with, or reconcile to,
the records of mortgagors with respect to the unpaid principal balance on a
monthly basis. Adjustments on adjustable rate mortgage (ARM) loans shall be
computed based on the related mortgage note and any ARM rider. Escrow accounts
shall be analyzed, in accordance with the mortgagor's loan documents, on at
least an annual basis. Interest on escrow accounts shall be paid, or credited,
to mortgagors in accordance with the applicable state laws.

Procedure:

Once a loan boards the Fidelity servicing system, it is reviewed for accuracy.
The Fidelity system tracks each loan until termination. Sufficient funds are
deposited to the escrow account to cover insurance premiums, (including hazard,
flood, PMI and MIP), taxes, and special assessments.

(PAGE)


ARM adjustments are calculated on an automated "ARM workstation" and are based
on the appropriate index as obtained in the Wall Street Journal or other
financial publication as needed. A letter is sent according to RESPA
requirements, advising the borrower of the new rate.

Each escrowed loan is boarded on the Fidelity servicing system with a coupon
month that indicates when the loan is due for escrow analysis. Loans are
reviewed each month based upon the coupon month and the mass escrow analysis is
performed. Quality audit reports are ordered monthly on the entire portfolio to
ensure that the loans are in the appropriate coupon month and that each loan has
been analyzed in the past twelve months or remains within RESPA compliance.

The accrual of interest on escrow is tracked on the Fidelity servicing system on
the loan level. Monthly reports, ordered by the Escrow Analysis Supervisor,
release the funds to be deposited into the escrow accounts. Quarterly, the
Escrow Analysis Supervisor reviews the state regulations for changes. Quality
audit reports are ordered monthly on the loans in states requiring interest on
escrow to ensure that the loans are properly coded for interest on escrow.

Delinquencies

Records documenting collection efforts shall be maintained during the period a
loan is in default and shall be updated at least monthly. Such records shall
describe the entity's activities in monitoring delinquent loans including, for
example, phone calls, letters and mortgage payment repayment plans in cases
where the delinquency is deemed temporary (i.e., illness or unemployment).

Procedure:

National City Mortgage Co.'s collection strategy is to make early contact with
delinquent mortgagors to improve the likelihood that defaults and poor pay
habits can be cured. This strategy employs a series of calls, letters, and
property inspections to gather information regarding the reasons for default,
the mortgagors' ability to pay, their intentions to retain the property and the
condition of the property.

Delinquency trends, by product, are analyzed throughout the month to provide
effective call campaign penetration strategies. Risk Profiler and Early
Indicator scoring are utilized to prioritize calling campaigns. High risk and
special product loans are managed in a Special Servicing Team. This team
consists of counselors who demonstrate strong technical and product knowledge,
excellent listening skills, and possess a thorough understanding of loss
mitigation.

The use of Early Resolution allows counselors to work all stages of delinquency.
Loans thirty or more days past due are worked through Early Resolution starting
the first day of the month. Less than thirty-day delinquent loans are worked in
FIS through the sixteenth of the month. All delinquent loans are processed
through Early Resolution by the seventeenth day of the month.

The scripting and prompting tools within Early Resolution guide the counselor to
obtain the necessary mortgagor information required to evaluate a hierarchy of
solutions. Approximately three hundred management controls and embedded complex
calculations within Early Resolution lead the counselor through the appropriate
qualification/pre-qualification or loss mitigation resolution. The available
Loss Mitigation options are:
* Partial Claim/Claim Advance

* Modification

* Short Sale

(PAGE)


* Deed-in-lieu of foreclosure

Workouts are encouraged if the end result is to improve the likelihood that the
mortgagor can retain his/her home through reduced payments or that losses can be
reduced through an assisted short sale of the property. In the interest of
minimizing investor losses, collection activity continues during the loss
mitigation review process. If the mortgagor's financial situation does not
support a workout or if the mortgagor is unwilling to work with National City
Mortgage Co., the loan is breached and moved timely through the foreclosure
process. Loss Mitigation will continue to be offered to the borrower throughout
the foreclosure process.

Insurance Policies

A fidelity bond and errors and omissions policy shall be in effect on the
servicing entity throughout the reporting period in the amount of coverage
represented to investors in management's assertion.

Procedure:

National City Mortgage Co is required to carry adequate coverage on National
City Mortgage Co's loans in the event that National City Mortgage Co made an
error. The policy is reviewed annually to ensure proper coverage.





  EX-99.2 (f)
(logo)SPS
SELECT
Portfolio
SERVICING, inc.


Management's Assertion on Compliance with the Specified Minimum Servicing
Standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers (USAP)


Report of Management


We as members of management of Select Portfolio Servicing, Inc. and
Subsidiaries (the "Company"), an indirect subsidiary of Credit Suisse
(USA), Inc. are responsible for complying with the specified minimum
servicing standards as set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers
(USAP). We are also responsible for establishing and maintaining
effective internal control over compliance with these specified minimum
servicing standards. We have performed an evaluation of the Company's
compliance with the specified minimum servicing standards as of and for
the year ended December 31, 2005. Based on this evaluation, we assert
that as of and for the year ended December 31, 2005, the Company
complied, in all material respects, with the specified minimum servicing
standards. As of and for the year ended December 31, 2005, the Company
had in effect fidelity bond coverage in the amount of $25,000,000 and an
errors and omissions policy in the amount of $10,000,000.


Very truly yours,


Select Portfolio Servicing, Inc. and Subsidiaries, an indirect subsidiary of
Credit Suisse (USA) Inc.



/s/ Matthew L. Hollingsworth
Matthew L. Hollingsworth
Chief Executive Officer


/s/ Bryan M. Marshall
Bryan M. Marshall
Chief Financial Officer


/s/ Timothy J. O'Brien
Timothy J. O'Brien
Executive Vice President of Servicing
Operations


February 28, 2006




3815 South West Temple   Salt Lake City, Utah 84115





  EX-99.2 (g)
(logo) SUNTRUST MORTGAGE


SunTrust Mortgage
901 Semmes Avenue
Richmond, Virginia 23224

Exhibit 1


Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards


February 21, 2006

As of and for the year ended December 31, 2005, SunTrust Mortgage, Inc. and its
subsidiaries (the "Company") have complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a SunTrust Banks, Inc.
and subsidiaries fidelity bond and errors and omissions policy in the amount of
$150 million.


/s/ Sterling Edmunds Jr.
Sterling Edmunds, Jr.
Chairman, Chief Executive Officer

/s/ Marvin L. Watts
Marvin L. Watts
Executive Vice President, Executive Servicing &
Operations Manager

/s/ John R Purcell Jr.
John R. Purcell, Jr.
Loan Servicing Manager





  EX-99.2 (h)
(logo) WELLS  HOME
       FARGO  MORTGAGE

1 Home Campus
Des Moines, IA 50328


Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo
Bank, N.A.



As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage, a
division of Wells Fargo Bank, N.A. (the Company) has complied in all material
respects with the minimum servicing standards set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage
Bankers.

As of and for this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and $20
million, respectively.



/s/ Michael J. Heid                 February 21, 2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Franklin R. Codel               February 21, 2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Mary Coffin                     February 21, 2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Cara K. Heiden
Cara K. Heiden, division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.





  EX-99.3 (a)
(logo) Countrywide

Exhibit "A"

PORTFOLIO SERVICES
450 AMERICAN STREET, MS SV3-A
SIMI VALLEY, CALIFORNIA 93065
(800) 293-0780 TOLL FREE

Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
    preceding fiscal year under the terms of the Servicing Agreement, Trust
    Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
    to the best of these Officers' knowledge, the Servicer has fulfilled all of
    its duties, responsibilities or obligations under these Agreements
    throughout such year, or if there has been a default or failure of the
    servicer to perform any of such duties, responsibilities or obligations, a
    description of each default or failure and the nature and status thereof has
    been reported to Wells Fargo Bank, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
    servicer in good standing;

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
    Policy and any other bonds required under the terms of the Servicing
    Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
    Seller/Servicer Guide are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
    applicable) and Primary Mortgage Insurance Policy (if applicable), with
    respect to each Mortgaged Property, have been paid and that all such
    insurance policies are in full force and effect;

(E) All real estate taxes, govermnental assessments and any other expenses
    accrued and due, that if not paid could result in a lien or encumbrance on
    any Mortgaged Property, have been paid, or if any such costs or expenses
    have not been paid with respect to any Mortgaged Property, the reason for
    the non-payment has been reported to Wells Fargo Bank, N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
    required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
    respectively, have been prepared and filed.

Certified By:

/s/ Joseph M. Candelario
Officer

First Vice President
Title

March 15, 2006
Date

[PAGE]

                                                     fin_inst_ty
 issr_cde    dl_id             fin_inst_nme            p_desc
ABFC       2005-HE1     Countrywide Home Loans Inc.   Servicer
ABSC       2005-HE3     Countrywide Home Loans Inc.   Servicer
ABSC       2005-HE5     Countrywide Home Loans Inc.   Servicer
ACE        2005-HE4     Countrywide Home Loans Inc.   Servicer
ACE        2005-HE7     Countrywide Home Loans Inc.   Servicer
ARMT       2005-10      Countrywide Home Loans Inc.   Servicer
ARMT       2005-11      Countrywide Home Loans Inc.   Servicer
ARMT       2005-12      Countrywide Home Loans Inc.   Servicer
ARMT       2005-4       Countrywide Home Loans Inc.   Servicer
ARMT       2005-5       Countrywide Home Loans Inc.   Servicer
ARMT       2005-6A      Countrywide Home Loans Inc.   Servicer
ARMT       2005-7       Countrywide Home Loans Inc.   Servicer
ARMT       2005-8       Countrywide Home Loans Inc.   Servicer
BAF        2005-1       Countrywide Home Loans Inc.   Servicer
BAF        2005-A       Countrywide Home Loans Inc.   Servicer
BAF        2005-E       Countrywide Home Loans Inc.   Servicer
BAF        2005-F       Countrywide Home Loans Inc.   Servicer
BAF        2005-H       Countrywide Home Loans Inc.   Servicer
BSL        2005-10      Countrywide Home Loans Inc.   Servicer
BSL        2005-2       Countrywide Home Loans Inc.   Servicer
BSL        2005-4       Countrywide Home Loans Inc.   Servicer
BSL        2005-5       Countrywide Home Loans Inc.   Servicer
BSL        2005-7       Countrywide Home Loans Inc.   Servicer
BSL        2005-9       Countrywide Home Loans Inc.   Servicer
BST        2005-1       Countrywide Home Loans Inc.   Servicer
BST        2005-12      Countrywide Home Loans Inc.   Servicer
BST        2005-3       Countrywide Home Loans Inc.   Servicer
BST        2005-4       Countrywide Home Loans Inc.   Servicer
BST        2005-6       Countrywide Home Loans Inc.   Servicer
BST        2005-7       Countrywide Home Loans Inc.   Servicer
CSF        2005-1       Countrywide Home Loans Inc.   Servicer
CSF        2005-10      Countrywide Home Loans Inc.   Servicer
CSF        2005-11      Countrywide Home Loans Inc.   Servicer
CSF        2005-12      Countrywide Home Loans Inc.   Servicer
CSF        2005-2       Countrywide Home Loans Inc.   Servicer
CSF        2005-3       Countrywide Home Loans Inc.   Servicer
CSF        2005-4       Countrywide Home Loans Inc.   Servicer
CSF        2005-5       Countrywide Home Loans Inc.   Servicer
CSF        2005-6       Countrywide Home Loans Inc.   Servicer
CSF        2005-7       Countrywide Home Loans Inc.   Servicer
CSF        2005-8       Countrywide Home Loans Inc.   Servicer
CSF        2005-9       Countrywide Home Loans Inc.   Servicer
DAL        2005-AR2     Countrywide Home Loans Inc.   Servicer
GSA        2005-12      Countrywide Home Loans Inc.   Servicer
GSA        2005-15      Countrywide Home Loans Inc.   Servicer
GSA        2005-6       Countrywide Home Loans Inc.   Servicer
GSA        2005-7       Countrywide Home Loans Inc.   Servicer

[PAGE]

GSA        2005-9       Countrywide Home Loans Inc.   Servicer
GSP        2005-9F      Countrywide Home Loans Inc.   Servicer
GSP        2005-AR1     Countrywide Home Loans Inc.   Servicer
GSP        2005-AR2     Countrywide Home Loans Inc.   Servicer
GSP        2005-AR3     Countrywide Home Loans Inc.   Servicer
GSP        2005-AR4     Countrywide Home Loans Inc.   Servicer
GSP        2005-AR5     Countrywide Home Loans Inc.   Servicer
GSP        2005-AR7     Countrywide Home Loans Inc.   Servicer
HBV        2005-14      Countrywide Home Loans Inc.   Servicer
HBV        2005-4       Countrywide Home Loans Inc.   Servicer
HBV        2005-7       Countrywide Home Loans Inc.   Servicer
JPMMT      2005-A2      Countrywide Home Loans Inc.   Servicer
JPMMT      2005-A3      Countrywide Home Loans Inc.   Servicer
JPMMT      2005-A6      Countrywide Home Loans Inc.   Servicer
JPMMT      2005-S2      Countrywide Home Loans Inc.   Servicer
JPMMT      2005-S3      Countrywide Home Loans Inc.   Servicer
LMC        2005-1       Countrywide Home Loans Inc.   Servicer
MABS       2005-AB1     Countrywide Home Loans Inc.   Servicer
MAL        2005-1       Countrywide Home Loans Inc.   Servicer
MAL        2005-2       Countrywide Home Loans Inc.   Servicer
MAL        2005-3       Countrywide Home Loans Inc.   Servicer
MAL        2005-5       Countrywide Home Loans Inc.   Servicer
MAL        2005-6       Countrywide Home Loans Inc.   Servicer
MARM       2005-2       Countrywide Home Loans Inc.   Servicer
MARM       2005-6       Countrywide Home Loans Inc.   Servicer
MARM       2005-7       Countrywide Home Loans Inc.   Servicer
MARM       2005-8       Countrywide Home Loans Inc.   Servicer
MLM        2005-A01     Countrywide Home Loans Inc.   Servicer
MLM        2005-A04     Countrywide Home Loans Inc.   Servicer
MLM        2005-A07     Countrywide Home Loans Inc.   Servicer
MLM        2005-A09     Countrywide Home Loans Inc.   Servicer
MLM        2005-Al0     Countrywide Home Loans Inc.   Servicer
MSI        2005-HE3     Countrywide Home Loans Inc.   Servicer
MSI        2005-HE4     Countrywide Home Loans Inc.   Servicer
MSI        2005-HE5     Countrywide Home Loans Inc.   Servicer
MSI        2005-WM2     Countrywide Home Loans Inc.   Servicer
MSI        2005-WM3     Countrywide Home Loans Inc.   Servicer
MSI        2005-WM4     Countrywide Home Loans Inc.   Servicer
MSI        2005-WM5     Countrywide Home Loans Inc.   Servicer
MSI        2005-WM6     Countrywide Home Loans Inc.   Servicer
MSML       2005-5AR     Countrywide Home Loans Inc.   Servicer
MSML       2005-6AR     Countrywide Home Loans Inc.   Servicer
MSSTR      2005-1       Countrywide Home Loans Inc.   Servicer
MSSTR      2005-2       Countrywide Home Loans Inc.   Servicer
NHEL       2005-FM1     Countrywide Home Loans Inc.   Servicer
NHEL       2005-HE1     Countrywide Home Loans Inc.   Servicer
PPS        2005-WC2     Countrywide Home Loans Inc.   Servicer
PPS        2005-WC3     Countrywide Home Loans Inc.   Servicer
PPS        2005-WW1     Countrywide Home Loans Inc.   Servicer

[PAGE]

PRM        2005-4       Countrywide Home Loans Inc.   Servicer
SABR       2005-FR3     Countrywide Home Loans Inc.   Servicer
SABR       2005-FR4     Countrywide Home Loans Inc.   Servicer
SABR       2005-FR5     Countrywide Home Loans Inc.   Servicer
SABR       2005-HEl     Countrywide Home Loans Inc.   Servicer
SAIL       2005-1       Countrywide Home Loans Inc.   Servicer
SAM        2005-AR2     Countrywide Home Loans Inc.   Servicer
SAM        2005-AR4     Countrywide Home Loans Inc.   Servicer
SAM        2005-AR6     Countrywide Home Loans Inc.   Servicer
SAM        2005-AR8     Countrywide Home Loans Inc.   Servicer
SARM       2005-1       Countrywide Home Loans Inc.   Servicer
SARM       2005-12      Countrywide Home Loans Inc.   Servicer
SARM       2005-14      Countrywide Home Loans Inc.   Servicer
SARM       2005-15      Countrywide Home Loans Inc.   Servicer
SARM       2005-17      Countrywide Home Loans Inc.   Servicer
SARM       2005-18      Countrywide Home Loans Inc.   Servicer
SARM       2005-20      Countrywide Home Loans Inc.   Servicer
SARM       2005-21      Countrywide Home Loans Inc.   Servicer
SARM       2005-22      Countrywide Home Loans Inc.   Servicer
SARM       2005-23      Countrywide Home Loans Inc.   Servicer
SARM       2005-4       Countrywide Home Loans Inc.   Servicer
SARM       2005-7       Countrywide Home Loans Inc.   Servicer
THB        2005-3       Countrywide Home Loans Inc.   Servicer
THB        2005-4       Countrywide Home Loans Inc.   Servicer





  EX-99.3 (b)
PO Box 84013
Columbus GA 31908-4013
Tel. 800.784.5566


(logo) GreenPoint Mortgage


February 27, 2006



Wells Fargo Bank, National Association
Trust Administrator
Client Manager ARMT 2005-7
9062 Old Annapolis Road
Columbia, MD 21045

Re: Annual Statement of Compliance for the Servicing Agreement by GreenPoint
Mortgage Funding, Inc., as Servicer


Ladies and Gentlemen:


     Pursuant to the Servicing Agreement with respect to the above-referenced
offering, the undersigned officer of GreenPoint Mortgage Funding, Inc. (as
"Servicer") hereby certifies as to the following (capitalized terms have
the meanings used in the Servicing Agreement):

1.   A review of the activities of the Servicer and its performance under the
Servicing Agreement during the preceding fiscal year since the inception of the
trust has been made under the direct supervision of the undersigned officer; and

2.   To the best knowledge of the undersigned officer, based on such review, the
Servicer has fulfilled all of its material obligations under the Servicing
Agreement throughout the applicable period, and there has been no known default
in the fulfillment of the Servicer's material obligations throughout such
period, except as follows:
     During the year, certain custodial bank account reconciliations were not
prepared and reviewed on a timely basis. In addition, there are certain
custodial bank accounts that have reconciling items that have not been resolved
with 90 calendar days of their original identification. For the month ended
December 31, 2005, all custodial bank reconciliations had been completed and
reviewed on a timely basis.

Very truly yours,

GREENPOINT MORTGAGE
FUNDING, INC., as Servicer

By:/s/ Michael De Francesco
Name: Michael De Francesco
Title: Senior Vice President
Loan Administration


Aviso Importante Para Las Personas Habla Espanol
Si usted no entiendo el contenido de esta carta por favor obtenga una traduccion
immediamente

2300 Brookstone Centre Pkwy Columbus GA 31904
www.greenpointservice.com





  EX-99.3 (c)
(logo) HSBC

Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
    preceding fiscal year under the terms of the Servicing Agreement, Trust
    Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
    to the best of these Officers' knowledge, the Servicer has fulfilled all of
    its duties, responsibilities or obligations under these Agreements
    throughout such year, or if there has been a default or failure of the
    servicer to perform any of such duties, responsibilities or obligations, a
    description of each default or failure and the nature and status thereof has
    been reported to Wells Fargo Bank, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
    servicer in good standing;

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
    Policy and any other bonds required under the terms of the Servicing
    Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
    Seller/Servicer Guide are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
    applicable) and Primary Mortgage Insurance Policy (if applicable), with
    respect to each Mortgaged Property, have been paid and that all such
    insurance policies are in full force and effect;

(E) All real estate taxes, governmental assessments and any other expenses
    accrued and due, that if not paid could result in a lien or encumbrance on
    any Mortgaged Property, have been paid, or if any such costs or expenses
    have not been paid with respect to any Mortgaged Property, the reason for
    the non-payment has been reported to Wells Fargo Bank, N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
    required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
    respectively, have been prepared and filed.

Certified By:

/s/ Michael T. Stilb
Officer

SVP
Title

2/28/06
Date


HSBC Mortgage Corporation (USA)
2929 Walden Avenue, Depew, NY 14043


(logo) EQUAL HOUSING LENDER





  EX-99.3 (d)
(logo)imb
IndymacBank


Officer's Certificate


The Company will deliver to the Depositor on or before March 1 of each year, an
Officer's Certificate (each, an "Annual Statement of Compliance") stating that
(i) a review of the activities of the Company during the preceding calendar year
and of performance under this Agreement has been made under such officers'
supervision, (ii) the Company has fully complied with the provisions of this
Agreement and (iii) to the best of such officers' knowledge, based on such
review, the Company has fulfilled all of its obligations under this Agreement
throughout such year, or, if there has been a default in the fulfillment of any
such obligation, specifying each such default known to such officer and the
nature and status thereof.


By: /s/ Robert M. Abramian
Robert M. Abramian
First Vice President
Home Loan Servicing
Investor Reporting
Indymac Bank


Prepared for: Wells Fargo Bank

Date:         February 28, 2006

Ref:          USAP Letter and 2005 Annual Audit Financial Statements.
              (See Exhibit A)





  EX-99.3 (e)
Exhibit "A"


Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to
the best of these Officers' knowledge, the Servicer has fulfilled all of its
duties, responsibilities or obligations under these Agreements throughout such
year, or if there has been a default or failure of the servicer to perform any
of such duties, responsibilities or obligations, a description of each default
or failure and the nature and status thereof has been reported to Wells Fargo
Bank, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
servicer in good standing;

(C) I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing Agreement,
Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
are in full force and effect;

(D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect
to each Mortgaged Property, have been paid and that all such insurance policies
are in full force and effect;

(E) All real estate taxes, governmental assessments and any other expenses
accrued and due, that if not paid could result in a lien or encumbrance on any
Mortgaged Property, have been paid, or if any such costs or expenses have not
been paid with respect to any Mortgaged Property, the reason for the non-payment
has been reported to Wells Fargo Bank, N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.




Certified By:
/s/ T. Jackson Case Jr.



Executive VP
Title

March 2, 2006
Date





  EX-99.3 (f)
(logo)SPS
SELECT
Portfolio
SERVICING, inc.

Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A)  I have reviewed the activities and performance of the Servicer during the
     preceding fiscal year under the terms of the Servicing Agreement, Trust
     Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
     to the best of these Officers' knowledge, the Servicer has fulfilled all of
     its duties, responsibilities or obligations under these Agreements
     throughout such year, or if there has been a default or failure of the
     servicer to perform any of such duties, responsibilities or obligations, a
     description of each default or failure and the nature and status thereof
     has been reported to Wells Fargo Bank, N.A.;

(B)  I have confirmed that the Servicer is currently an approved FNMA or FHLMC
     servicer in good standing;

(C)  I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
     Policy and any other bonds required under the terms of the Servicing
     Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
     Seller/Servicer Guide are in full force and effect;

(D)  All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
     applicable) and Primary Mortgage Insurance Policy (if applicable), with
     respect to each Mortgaged Property, have been paid and that all such
     insurance policies are in full force and effect;

(E)  All real estate taxes, governmental assessments and any other expenses
     accrued and due, that if not paid could result in a lien or encumbrance on
     any Mortgaged Property, have been paid, or if any such costs or expenses
     have not been paid with respect to any Mortgaged Property, the reason for
     the non-payment has been reported to Wells Fargo Bank Minnesota, N.A.;

(F)  All Custodial Accounts have been reconciled and are properly funded; and

(G)  All annual reports of Foreclosure and Abandonment of Mortgage Property
     required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
     respectively, have been prepared and filed.

Certified By:

/s/ Matthew L. Hollingsworth
Matthew L. Hollingsworth
Chief Executive Officer

February 21, 2006



3815 South West Temple * Salt Lake City, Utah 84115 * telephone (801) 293-1881 *
web www.selectservicing.com





  EX-99.3 (g)
(logo)
SUNTRUST
MORTGAGE

Exhibit "A"

SunTrust Mortgage, Inc.
Post Office Box 26149
Richmond, VA 23260-6149
Toll Free 1.800.634.7928
www.suntrustmortgage.com


Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A)  I have reviewed the activities and performance of the Servicer during the
     preceding fiscal year under the terms of the Servicing Agreement, Trust
     Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
     to the best of these Officers' knowledge, the Servicer has fulfilled all of
     its duties, responsibilities or obligations under these Agreements
     throughout such  year, or if there has been a default or failure of the
     servicer to perform any of such duties, responsibilities or obligations, a
     description of each default or failure and the nature and status thereof
     has been reported to Wells Fargo Bank, N.A.;

(B)  I have confirmed that the Servicer is currently an approved FNMA or FHLMC
     servicer in good standing;

(C)  I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
     Policy and any other bonds required under the terms of the Servicing
     Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
     Seller/Servicer Guide are in full force and effect;

(D)  All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
     applicable) and Primary Mortgage Insurance Policy (if applicable), with
     respect to each Mortgaged Property, have been paid and that all such
     insurance policies are in full force and effect;

(E)  All real estate taxes, governmental assessments and any other expenses
     accrued and due, that if not paid could result in a lien or encumbrance on
     any Mortgaged Property, have been paid, or if any such costs or expenses
     have not been paid with respect to any Mortgaged Property, the reason for
     the non-payment has been reported to Wells Fargo Bank, N.A.;

(F)  All Custodial Accounts have been reconciled and are properly funded; and

(G)  All annual reports of Foreclosure and Abandonment of Mortgage Property
     required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
     respectively, have been prepared and filed.

Certified  by:
/s/ Annette Holman-Foreman
Officer Annette Holman-Foreman

Vice President
Title

February 24, 2006
Date





  EX-99.3 (h)
(logo) WELLS  HOME
       FARGO  MORTGAGE


Wells Fargo Home Mortgage
One Home Campus
Des Moines, IA 50328-0001


February 24, 2006


Re: 2005 Annual Certification

We hereby certify to the best of our knowledge and belief that for the calendar
year of 2005:

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

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

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

  4. We have made all property inspections as required.

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

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

Sincerely,

/s/ John B. Brown
John B. Brown
Senior Vice President
Wells Fargo Home Mortgage


Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.





  Ex-99.4

   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                              Interest             Principal               Losses             Ending Balance
   
                       <c>                    <c>                  <c>                 <c>
   1-A-1                            757,145.37          4,822,628.47                 0.00              27,507,371.53
   1-A-2                             84,122.07            535,814.46                 0.00               3,056,185.54
   2-A-1                          2,568,555.51         24,467,038.30                 0.00              91,032,961.70
   2-A-2-1                          801,064.92                  0.00                 0.00              32,440,000.00
   2-A-2-2                           51,239.50                  0.00                 0.00               2,075,000.00
   2-A-X                            188,665.61                  0.00                 0.00             125,547,961.70
   3-A-1                          1,145,916.91          1,841,781.26                 0.00              41,783,218.73
   3-A-2                             73,154.80            117,578.47                 0.00               2,667,421.53
   4-A-1                          3,760,468.74         10,510,464.67                 0.00             131,169,535.32
   4-A-2                            240,072.27            670,999.10                 0.00               8,374,000.90
   5-A-1                          1,254,938.09          5,643,900.30                 0.00              48,166,099.70
   6-A-1                          5,928,503.36         18,962,612.18                 0.00             215,002,387.84
   7-A-1-1                        1,578,843.38         14,600,570.30                 0.00              71,439,429.71
   7-A-1-2                          178,497.66          1,622,285.58                 0.00               7,937,714.41
   7-A-2-1                        4,682,020.40         55,812,451.96                 0.00             203,687,548.05
   7-A-2-2                          529,833.44          6,207,118.93                 0.00              22,652,881.07
   7-M-1                            334,059.37                  0.00                 0.00              15,670,000.00
   7-M-2                            217,843.37                  0.00                 0.00               9,610,000.00
   7-M-3                            125,592.70                  0.00                 0.00               5,010,000.00
   7-M-4                            105,974.62                  0.00                 0.00               3,554,000.00
   7-X                            1,271,886.74                  0.00                 0.00             342,277,303.27
   AR                                     0.21                 50.00                 0.00                       0.00
   AR-L                                   0.21                 50.00                 0.00                       0.00
   C-B-1                            498,264.01             16,984.40                 0.00              18,893,015.60
   C-B-2                            235,035.16              8,011.67                 0.00               8,911,988.32
   C-B-3                             94,066.77              3,206.48                 0.00               3,566,793.53
   C-B-4                             37,547.66              1,279.89                 0.00               1,423,720.11
   C-B-5                             37,547.66              1,279.89                 0.00               1,423,720.11
   C-B-6                             75,095.31              2,559.77                 0.00               2,847,440.21
   C-B-7                             93,935.01              3,201.98                 0.00               3,561,798.02
   C-B-8                             56,713.85              1,933.21                 0.00               2,150,457.43
   P                                236,849.00                  0.00                 0.00                       0.00
   </TABLE>