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**UNITED      STATES**

**SECURITIES      AND EXCHANGE COMMISSION**

**Washington,      D.C. 20549**

**FORM      10-K**

**[X]      ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT      OF      1934**

**[        ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND      EXCHANGE ACT OF 1934**

|   | Delaware                                                                                    |   | 13-3416059                                                         |   |
|--------|---------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------|--------|
|   | (State                or other jurisdiction ofincorporation                or organization) |   | (I.R.S.                Employer Identification                No.) |   |

|   | o                Yes |   |  x                No |
|--------|----------------------|--------|---------------------------|

|   | o                Yes |   | x                No |
|--------|----------------------|--------|---------------------|

|   | x                Yes |   | o                No |
|--------|----------------------|--------|---------------------|

| Large                accelerated filer o | Accelerated                filer o |  Non-accelerated                filer x |
|------------------------------------------|------------------------------------|----------------------------------------------|

**DOCUMENTS      INCORPORATED BY REFERENCE**

**PART      I**

**Item        1. Business.**

**Item        1A. Risk Factors.**

**Item        1B. Unresolved Staff Comments.**

**Item        2. Properties.**

**Item        3. Legal Proceedings. **

**Item        4. Submission of Matters to a Vote of Security Holders.**

**PART      II**

**Item        5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer        Purchases of Equity Securities.**

**Item        6. Selected Financial Data.**

**Item        7. Management’s Discussion and Analysis of Financial Condition and Results of        Operation.**

**Item        7A. Quantitative and Qualitative Disclosures About Market        Risk.**

**Item        8. Financial Statements and Supplementary Data.**

**Item          9. Changes in and Disagreements With Accountants on Accounting and Financial          Disclosure.**

**Item          9A. Controls and Procedures.**

**Item            9A(T). Controls and Procedures.**

**Item          9B. Other Information.**

**PART      III**

**Item          10. Directors, Executive Officers and Corporate          Governance.**

**Item        11. Executive Compensation.**

**Item        12. Security Ownership of Certain Beneficial Owners and Management and Related        Stockholder Matters.**

**Item          13. **
**Certain          Relationships and Related Transactions, and Director Independences.**

**Item        14. Principal Accounting Fees and Services.**

**Item        1112(b) of Regulation AB. Significant Obligors Financial        Information.**

**Item        1114(b)(2) and 1115(b) of Regulation AB. Significant Enhancement Provider        Financial Information.**

**Item        1117 of Regulation AB. Legal Proceedings.**

**Item        1119 of Regulation AB. Affiliations and Certain Relationships and Related        Transactions.**

**Item        1122 of Regulation AB. Compliance with Applicable Servicing        Criteria.**

**Item        1123 of Regulation AB. Servicer Compliance Statement.**

**PART        IV**

**Item        15. Exhibits, Financial Statement Schedules.**

| **Exhibit                  Number** | **Description**                                                                                                                                                                                                                                                                                                                                |
|-------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 4.1                                 | Pooling                  and Servicing Agreement (filed as an exhibit to Form 8-K on                  2007-01-12)                                                                                                                                                                                                                              |
| 10.1                                | Mortgage                  Loan Sale and Assignment Agreement (filed as an exhibit to Form                  8-K                  on                  2007-01-12)                                                                                                                                                                                |
| 31                                  | Sarbanes-Oxley                  Certification                                                                                                                                                                                                                                                                                                  |
| 33(a)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, Home Loan Services, Inc., as Servicer                                                                                                                                                                                |
| 33(b)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, LaSalle Bank National Association, as Trustee                                                     |
| 33(c)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, Assurant Specialty Properties, servicing function                  participant                                                                                                                                       |
| 33(d)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, First American R.E. Tax Service, as servicing function                  participant                                                                                                                                  |
| 34(a)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, Home Loan Services, Inc, as                  Servicer                                                                                                                                                    |
| 34(b)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, LaSalle Bank National Association, as                  Trustee                        |
| 34(c)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, Assurant Specialty Properties, servicing                  function                  participant                                                                                                          |
| 34(d)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, First American R.E. Tax Service, as servicing                  function participant                                                                                                                      |
| 35(a)                               | Servicer                  compliance statement, Home Loan Services, Inc., as                  Servicer                                                                                                                                                                                                                                         |
| 35(b)                               | Servicer                  compliance statement, LaSalle Bank National Association, as                  Trustee                                                                                                                                                                                                             |

|          Home                  Loan Services, Inc., as Servicer                                             |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|
|                           LaSalle Bank National Association, as                  Trustee     |
|                           Assurant Specialty Properties, servicing function                  participant         |
|                          R.E. Tax Service, as servicing function                participant                 |

|          Home                    Loan Services, Inc., as Servicer                                               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                             LaSalle Bank National Association, as                    Trustee     |
|                             Assurant Specialty Properties, servicing function                    participant         |
|          R.E.                  Tax Service, as servicing function                  participant                  |

|          Home                    Loan Services, Inc.,                    as Servicer         |
|-------------------------------------------------------------------------------------------------------------------------------------------|
|                             LaSalle Bank National Association, as Trustee     |

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**SIGNATURES**

|                                | Home                Loan Services, Inc., formerly known as National City Home Loan Services,                Inc., as Servicer |
|-------------------------------------|-------------------------------------------------------------------------------------------------------------------------------|
|                                |                                                                                                                          |
|  March                28, 2007 | /s/                Steven A. Baranet                                                                                          |
|                                | By: Steven                A. Baranet                                                                                     |
|                                | Title: Vice                President                                                                                     |
|                                | (Senior                Officer in charge of the servicing function of the                servicer)                            |

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**EXHIBIT      INDEX**

| **Exhibit                  Number** | **Description**                                                                                                                                                                                                                                                                                                                                |
|-------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 4.1                                 | Pooling                  and Servicing Agreement (filed as an exhibit to Form 8-K on                  2007-1-12)                                                                                                                                                                                                                               |
| 10.1                                | Mortgage                  Loan Sale and Assignment Agreement (filed as an exhibit to Form                  8-K                  on                  2007-01-12)                                                                                                                                                                                |
| 31                                  | Sarbanes-Oxley                  Certification                                                                                                                                                                                                                                                                                                  |
| 33(a)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, Home Loan Services, Inc., as Servicer                                                                                                                                                                                |
| 33(b)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, LaSalle Bank National Association, as Trustee                                                     |
| 33(c)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, Assurant Specialty Properties, servicing function                  participant                                                                                                                                       |
| 33(d)                               | Report                  on assessment of compliance with servicing criteria for asset-backed                  securities, First American R.E. Tax Service, as servicing function                  participant                                                                                                                                  |
| 34(a)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, Home Loan Services, Inc, as                  Servicer                                                                                                                                                    |
| 34(b)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, LaSalle Bank National Association, as                  Trustee                        |
| 34(c)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, Assurant Specialty Properties, servicing                  function                  participant                                                                                                          |
| 34(d)                               | Attestation                  report on assessment of compliance with servicing criteria for                  asset-backed securities, First American R.E. Tax Service, as servicing                  function participant                                                                                                                      |
| 35(a)                               | Servicer                  compliance statement, Home Loan Services, Inc., as                  Servicer                                                                                                                                                                                                                                         |
| 35(b)                               | Servicer                  compliance statement, LaSalle Bank National Association, as                  Trustee                                                                                                                                                                                                             |

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