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                                                                    EXHIBIT 99.6

DELOITTE                                         Deloitte & Touche LLP
                                                 750 College Road East
                                                 Third Floor
                                                 Princeton, NJ 08540 USA
                                                 Tel: +1 609 514 3600
                                                 www.deloitte.com

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To Cendant Mortgage Corporation:

We have examined Cendant Mortgage Corporation's (the "Company") compliance with
its established minimum servicing standards described in the accompanying
Management's Assertion, dated February 28, 2005, as of and for the year ended
December 31, 2004. Management is responsible for compliance with those minimum
servicing standards. Our responsibility is to express an opinion on 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 is adopted
by the Public Company Accounting Oversight Board and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with its
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 its minimum servicing
standards.

Our examination disclosed the following instance of material noncompliance with
the reconciliation of custodial bank accounts applicable to the Company during
the year ended December 31, 2004. The Company did not comply with the
requirement to prepare custodial bank account reconciliations within 45 calendar
days after the cutoff date and the requirement to resolve reconciling items
within 90 calendar days of their original identification as specified by their
minimum servicing standards.

In our opinion, except for the material noncompliance described in the preceding
paragraph, the Company complied, in all material respects, with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2004, as set forth in Appendix I.

[DELOITTE & TOUCHE LLP]

February 28, 2005

THIS REPORT MAY NOT BE INCLUDED, REFERENCED TO OR INCORPORATED BY REFERENCE IN
ANY PUBLIC FILINGS WITH THE SECURITIES AND EXCHANGE COMMISSION WITHOUT PRIOR
WRITTEN APPROVAL BY DELOITTE & TOUCHE LLP.

                                                       Member of
                                                       Deloitte Touche Tohmatsu
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APPENDIX I

MINIMUM SERVICING STANDARDS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF
AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

I.    CUSTODIAL BANK ACCOUNTS

1.    Reconcillations 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 (45) calendar days after the
                  cutoff date;

            -     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.

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 wo 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 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 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.

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      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.    Unused 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 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. (A compilation of state laws
      relating to the payment of interest on escrow accounts may be obtained
      through the MBA's FAX ON DEMAND service. For more information, contact
      MBA.)

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
      (e.g., 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.

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CENDANT MORTGAGE
3000 Leadenhall Road
M. Laurel. NJ 08054

                                                         [CENDANT MORTGAGE LOGO]

February 28, 2005

As of and for the year ended December 31, 2004, Cendant Mortgage Corporation
(the "Company") has complied in all material respects with the minimum servicing
standards set forth in the Mortagage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers, except for as discussed below.

During the year ended December 31, 2004, the Company determined it was
materially non-compliant with the requirement to prepare custodial bank account
reconciliations within 45 calendar days after the cutoff date and the
requirement to identify and resolve reconciling items within 90 calendar days as
specified by the minimum servicing standards.

The Company has undertaken remediation activities to address this material
instance of non-compliance as of December 31, 2004.

As of and for this same period, the Company had in effect 3 fidelity bond and
errors and omissions policy in the amount of $160 million and $20 million,
respectively.

Cendant Mortgage Corporation


/s/ Terence W. Edwards
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Terence W. Edwards
President and Chief Executive Officer


/s/ Mark Danahy
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Mark Danahy
Senior Vice President and Chief Financial Officer

/s/ Martin L. Foster
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Martin L. Foster
Senior Vice President - Loan Servicing