Exhibit 99.1b

ANNUAL CERTIFICATION FOR
 HOME MORTGAGE PURCHASE PROGRAM
 PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT

PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-3

In accordance with the above referenced Agreement, I, the undersigned, hereby
 certify as to each Mortgage Loan being serviced by the below named institution
 that as of the preceding Anniversary Date of the Agreement:

1.      I am an "Officer" as defined in the above referenced Agreement, and am
 empowered and authorized to issue this Annual Certification.

2.      All taxes, ground rents and assessments for the Mortgages covered
herein have been paid.

        3.      All insurance premiums for flood or other casualty insurance;
 and FHA premiums or Private Mortgage Insurance premiums on conventional loans
have been paid, and all policies as required by the Agreement are in full
 force.  Servicer is in full compliance with the Private Mortgage Insurance
 automatic termination provisions of the Homeowners Protection Act of 1998,
 the American Homeownership and Economic Opportunity Act of 2000, and Fannie
 Mae servicing guidelines where applicable.

4.      Inspections have been made monthly on all delinquent, foreclosed or
otherwise vacant properties, and any other property the Servicer has reason
 to believe requires an inspection.

5.      Analysis has been made to ensure sufficient moneys are being collected
 in escrow for the current year.

6. All information returns have been provided to the Internal Revenue Service
 as required on activity relating to the relevant Mortgage Loans.

7. If Servicer originates mortgage loans for delivery to investor under the
 referenced Agreement or services mortgage loans under the referenced Agreement
 that are registered with MERS, the Servicer has remained a member of MERS in
 good standing during this Annual Certification period.

8. There is no outstanding or threatened litigation regarding predatory lending
 practices pertaining to any loans serviced under this Program.

 I further certify:

A.      To the best of my knowledge and upon reasonable investigation, the
 servicing of the Mortgage Loans during the year preceding the last
 certification date of the Agreement has been conducted in compliance with the
 Agreement except for such exceptions as I am setting forth below.

EXCEPTIONS (if any):




B.      A review of activities with respect to performances under the Agreement
 during the year preceding the last certification date of the Agreement has
been made under my supervision and to the best of my knowledge, based on such
 review, no default exists as of the above date in the fulfillment of any
obligations under the Agreement other than the events of default, if any,
which I am listing below with the nature and status thereof.

EVENTS OF DEFAULT (if any):






















NAME OF SERVICING INSTITUTION:   GMAC MORTGAGE CORPORATION

NAME OF AUTHORIZED OFFICER:             ______Michael Kacergis________

SIGNATURE OF SAME OFFICER:              ________/s/__________________________

TITLE OF SAME OFFICER:                  Manager / Operations Risk Management_

DATE OF SIGNATURE:                      ________03-15-06______________________


CERTIFICATION COVERS PERIOD             FROM: January 01, 2005
TO:     January 01, 2006
Serv #: 174