EXHIBIT 99.1 -  Independent Accountant's Servicing Report for the year
                ended December 31, 2005

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

Report of Independent Accountants

The Members of Centex Home Equity Company, LLC
and Subsidiaries and CTX Mortgage Funding, LLC

We have examined management's assertion, included in the accompanying
report titled Report of Management, that Centex Home Equity Company, LLC
and Subsidiaries and CTX Mortgage Funding, LLC (collectively, the Companies)
complied with the minimum servicing standards as stated in Attachment A,
which were derived from the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers (USAP) during
the twelve month period ended December 31, 2005. Management is
responsible for the Companies' compliance with those requirements.
Our responsibility is to express an opinion on management's assertions
about the Companies' 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
Companies' compliance with those requirements 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 Companies'
compliance with specified requirements.

In our opinion, management's assertion that the Companies complied
with the aforementioned requirements during the twelve month period ended
December 31, 2005 is fairly stated, in all material respects.

					/s/ Ernst + Young LLP
					Ernst + Young LLP


March 10, 2006

Attachment 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 fourth-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 buy 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 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.

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,

Attachment A

respectively, provided that such support has been received by the
servicing at least thirty (30) calendar days prior to these dates.
4).	Any late payment penalties paid in conjunction with the
payment of any or insurance premium notice shall be paid from the
servicing entity's funds not charge 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 payments,
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 services by the servicing
entity.

V. Mortgagor Loan Accounting

1)	The servicing entity mortgage loan records shall agree with,
or reconcile to, investors 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 base 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 and escrow accounts shall be paid, or credited, to
mortgagors in accordance with the applicable state laws.

VI. Delinquencies

1)	Records documenting collection efforts shall be maintained
during the period 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 case where the delinquency is deemed temporary
(i.e., illness of unemployment).

VII. Insurance

1)	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.