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 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 for the transition period from   to


                                           Commission File Number  333-120274-37

                         GS MORTGAGE SECURITIES CORP.
                    (as Depositor under the Trust Agreement,
            dated as of November 1, 2005, providing for the issuance of
                   Asset-Backed Certificates, Series 2005-14)
             (Exact name of registrant as specified in its charter)

       Delaware                                       13-3387389
  State or other jurisdiction of                    (I.R.S. Employer
     incorporation or organization                 Identification No.)

85 Broad Street
New York, New York                                        10004
(Address of principal executive offices)                (Zip Code)

Registrant's telephone number, including area code :  (212) 902-1000

                         GSAA Home Equity Trust 2005-14
                    Asset-Backed Certificates Series 2005-14
            (Title of each class of securities covered by this form)


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. [X]

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 12-b-2 of the Exchange Act.

Large accelerated filer [ ]   Accelerated filer [ ]   Non-accelerated filer [X]

Indicate by check mark whether the  registrant is a shell company (as defined in
Exchange Act Rule 12b-2).    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.

Indicate the number of shares outstanding of each of the registrant's
classes of common stock, as of the latest practicable date.  Not Applicable.

Documents incorporated by reference:  None

<PAGE>

PART I

Item 1.  Business.

         Not Applicable.

Item 1A. Risk Factors.

         Not Applicable.

Item 1B. Unresolved Staff Comments.

         None.

Item 2.  Properties.

         Not Applicable.

Item 3.  Legal Proceedings.

         The  Registrant  knows  of  no  material  pending   legal   proceedings
         involving  the trust  created  under  the  Master  Servicing  and Trust
         Agreement, the Trustee, any  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.

         Currently,   there  is  no  established   secondary   market   for  the
         Certificates  known  to the  Registrant.  As of December 31, 2005,  the
         number of holders of each  class of offered  certificates  was 26 based
         on records provided by The Depository Trust Comany.

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.
                                      -2-

<PAGE>

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.

         No reportable transactions have occurred.

Item 14. Principal Accounting Fees and Services.

         Not Applicable.

PART IV

Item 15. Exhibits, Financial Statement Schedules.

(a) The following documents are filed as part of this report:

    (1)  Financial Statements:

         Not Applicable.

    (2)  Financial Statement Schedules:

         Not Applicable.

    (3)  Exhibits:

         Rule 13a-14(a)/15d-14(a) Certification, filed as 31.1 hereto.

         JPMorgan Chase Bank N.A., as Master Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance filed as
           Exhibit 99.1 hereto.

         Countrywide Home Loans Servicing LP, as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance filed as
           Exhibit 99.2 hereto.

         GreenPoint Mortgage Funding , Inc., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance filed as
           Exhibit 99.3 hereto.

         National City Mortgage Co., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance filed as
           Exhibit 99.4 hereto.

         Suntrust Mortgage Inc., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance filed as
           Exhibit 99.5 hereto.

(b) The exhibits required to be filed by Registrant pursuant to Item 601 of
    Regulation S-K are listed above and in the Exhibit Index that immediately
    follows the signature page hereof.

(c) Not applicable.


                                      -3-
<PAGE>


SIGNATURE

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.



                              By:     /s/ Michelle Gill
                                    --------------------------------------
                                  Name:  Michelle Gill
                                 Title:  Vice President
                                  Date:  March 29, 2006




                                      -4-
<page>

SUPPLEMENTAL  INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION
15(D) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO
SECTION 12 OF THE ACT.

The  registrant  has not sent an annual report or proxy material to its security
holders.  The registrant  will not be sending an annual report or proxy material
to its security holders subsequent to the filing of this form.

                                      -5-
<PAGE>


                                 EXHIBIT INDEX

Exhibit     Description

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

99.1    JPMorgan Chase Bank N.A., as Master Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance

99.2    Countrywide Home Loans Servicing LP, as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance

99.3    GreenPoint Mortgage Funding , Inc., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance

99.4    National City Mortgage Co., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance

99.5    Suntrust Mortgage Inc., as Servicer
           Annual Independent Accountants' Servicing Report with Management
           Assertion and Annual Servicer's Statement as to Compliance

                                      -6-
<PAGE>

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

                                  CERTIFICATION

     Re:  GSAA Home Equity Trust 2005-14 (the "Trust") Asset-Backed Certificates
     Series  2005-14,   issued  pursuant  to  the  Master  Servicing  and  Trust
     Agreement,  dated as of November 1, 2005,  (the "Trust  Agreement"),  among
     Wachovia Bank,  N.A. as trustee (the  "Trustee"),  and JPMorgan Chase Bank,
     National Association,  as securities  administrator (in such capacity,  the
     "Securities   Administrator"),   as   custodian   (in  such   capacity  the
     "Custodian"),  Deutsche  Bank National  Trust  Company,  as custodian  (the
     Custodian),   and  GS  Mortgage   Securities   Corp.,   as  depositor  (the
     "Depositor") and serviced by JPMorgan Chase Bank, National Association,  as
     master servicer (the "Master  Servicer")  Countrywide  Home Loans Servicing
     LP,  GreenPoint  Mortgage  Funding,  Inc.,  and SunTrust  Mortgage Inc., as
     servicers (the "Servicers") pursuant to the respective servicing agreements
     (the "Servicing Agreements")


I, Michelle Gill, certify that:

1.   I have reviewed this annual report on Form 10-K ("Annual  Report"), and all
reports  on  Form 8-K  containing  distribution  reports (collectively with this
Annual Report, the "Reports")  filed  in respect of periods included in the year
covered by this Annual Report, of the Trust;

2.   Based on my knowledge,  the information  in the 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 or servicing  information required
to be provided to the  Securities Administrator by the Master Servicer under the
Trust Agreement  and  Servicing Agreements,  for  inclusion  in  the  Reports is
included in the Reports;

4.   Based on my knowledge and  upon the annual compliance statement included in
this Annual  Report  and required  to  be  delivered  to  the Master Servicer in
accordance with the terms of the Trust Agreement, and except as disclosed in the
Reports,  each  Servicer  has  fulfilled  its  obligations  under the applicable
Servicing Agreement; and

5.   The   Reports  disclose  all  significant   deficiencies  relating  to  the
Servicers' compliance with the minimum servicing standards based 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 procedure, as set  forth in the Trust Agreement, that is included in the
Reports.

     In giving the certifications above, I have reasonably relied on information
provided to me by the following  unaffiliated parties:  the Trustee,  the Master
Servicer and the Servicers.


     Date:  March 29, 2006

     By: /s/ Michelle Gill
        ----------------------
        Name:  Michelle Gill
        Title: Vice President

                                      -7-


<PAGE>
                                  EXHIBIT 99.1
                  JPMorgan Chase Bank N.A., as Master Servicer
   Annual Independent Accountants' Servicing Report with Management Assertion
                  Annual Servicer's Statement as to Compliance
                                   ----------


PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000


                         Report of Independent Auditors


To the Board of Directors of
JPMorgan Chase Bank, N.A.:

We have examined  management's  assertion about JPMorgan Chase Bank, N.A.'s (the
"Company")  compliance with the 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. The
Company  has  interpreted  USAP  and  determined  that  USAP  minimum  servicing
standards I.1, I.2, I.3, III.1,  III.5, IV.1, and VII.1 are applicable to master
servicers and are included in the accompanying management assertion (see Exhibit
I).  Management is responsible  for the Company's  compliance with these minimum
servicing standards. Our responsibility is to express an opinion on management's
assertion,  as it relates to the Company's  compliance  with the  aforementioned
minimum  servicing  standards,  based  on  our  examination.   The  Company  has
interpreted USAP and determined that USAP minimum servicing standards I.4, II.1,
II.2, II.3, II.4, III.2,  III.3,  III.4,  III.6, V.1, V.2, V.3, V.4 and VI.1 are
not applicable to master servicers. The Company uses a subservicing organization
to perform the servicing  obligations  subject to servicing standards I.4, II.1,
II.2, II.3, II.4, III.2, III.3, III.4, III.6, V.1, V.2, V.3, V.4 and VI.1 of the
USAP. We did not examine the Company's  compliance with the servicing  standards
referred to in the previous sentence and accordingly,  do not express an opinion
thereon.

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 solely as they relate to standards
I.1,  I.2,  I.3,  III.1,  III.5,  IV.1,  and VII.1 as of and for the year  ended
December 31, 2005 is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP
------------------------------
March 29, 2006



                                    JPMorgan

                                                                      EXHIBIT I

             Management's Assertion Concerning Compliance with USAP
                          Minimum Servicing Standards


March 29, 2006

As of and for the year ended December 31, 2005,  JPMorgan Chase 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 ("USAP") that we have determined
are applicable to master servicers. We have interpreted USAP and determined that
minimum servicing  standards I.1, I.2, I.3, III.1, III.5, IV.1, and VII.1 as set
forth in USAP are applicable to master servicers.  We have also interpreted that
USAP minimum  servicing  standards I.4, II.1, II.2, II.3,  II.4,  III.2,  III.3,
III.4,  III.6,  V.1,  V.2,  V.3,  V.4 and  VI.1  as set  forth  in USAP  are not
applicable  to master  servicers;  for these  minimum  servicing  standards  the
Company relies on the performance of its  subservicers.  This assertion  relates
specifically to the Company's Master Servicing Portfolio.

It is  the  Company's  policy  to  obtain  and  review  USAP  reports  from  the
independent  auditors of its  subservicers on an annual basis.  Not all of these
USAP reports for the year ended  December 31, 2005 are available as of March 29,
2006. As of March 29, 2006, the Company has obtained USAP reports for 36% of its
subservicers.  These  subservicers  serviced loans  comprising 92% of the unpaid
principal balance of the Company's Master Servicing Portfolio as of December 31,
2005. Instances of  non-compliance  noted in the USAP reports  received from the
subservicers as of March 29, 2006, have been included in Exhibit II hereto.

As of and for this same  period,  the  Company had in effect  fidelity  bond and
errors and omissions  policies in the amounts of $250,000,000  and  $25,000,000,
respectively.


/s/ William Jenkins
-------------------------
William Jenkins
Vice President
JPMorgan Chase Bank, N.A.


/s/ Kelly A. Mathieson
-------------------------
Kelly A. Mathieson
Managing Director
JPMorgan Chase Bank, N.A.



                                                                     Exhibit II

                           JPMorgan Chase Bank, N.A.
                      Subservicers' USAP Report Exceptions


It is the policy of JPMorgan Chase Bank,  N.A. (the "Company") to obtain Uniform
Single  Attestation  Program for  Mortgage  Bankers  ("USAP")  reports  from the
independent  auditors of its  subservicers as of and for the year ended December
31,  2005.  As of March 29, 2006,  the Company has  obtained  and reviewed  USAP
reports  for  36%  of  its  subservicers.   These  subservicers  serviced  loans
comprising 92% of the unpaid principal balance of the Company's Master Servicing
Portfolio as of December 31, 2005. The Company noted instances of  noncompliance
included in the USAP reports received as of March 29, 2006, which are summarized
below.

        Servicer                               Exception
       ----------                             -----------

Ocwen Loan Servicing, LLC        The Company did not comply with the requirement
                                 to   prepare   custodial   bank   account
                                 reconciliations  and   to  resolve  reconciling
                                 items   within  90  calendar  days   of   their
                                 original  identification  as specified by their
                                 minimum servicing standards.

                                 Certain ARM  loans serviced by the Company were
                                 transferred  in  with  an  incorrect  look back
                                 date due to errors in prior  servicer  records.
                                 These  certain   loans   had   ARM  adjustments
                                 shortly  after servicing transfer, but prior to
                                 the  Company  receiving  the  related  mortgage
                                 documents  from  the  prior  servicer. When the
                                 Company  received  the  mortgage  documents and
                                 these errors  were  identified, the Company did
                                 not adjust the principal and  interest  payment
                                 amount.   The  Company  has  subsequently  made
                                 adjustments  to   their  procedures  when  they
                                 identify  an error  in  prior  servicer data to
                                 analyze  the  effect  on the customer's account
                                 and make the appropriate adjustment.

North Fork Bancorporation, Inc.  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.  For  the
                                 month  ended  December 31, 2005,  all custodial
                                 bank  reconciliations  had  been  completed and
                                 reviewed on a timely basis.

PHH Mortgage Corporation         The   Company   completed  all  custodial  bank
                                 account  reconciliations  within 60 days of the
                                 cutoff  date,  however  did  not  complete  all
                                 reconciliations within 45 days of the cutoff as
                                 specified by the minimum  servicing  standards.
                                 As such, the Company has determined that it was
                                 materially  non-compliant  with the requirement
                                 to   prepare   custodial   bank   account
                                 reconciliations within 45 days after the cutoff
                                 date.

                                 During  the  year ended December  31, 2005, the
                                 Company  determined   it   was   materially
                                 non-compliant with  the  requirement to resolve
                                 reconciling items resulting from custodial bank
                                 account reconciliations within 90 calendar days
                                 as   specified   by   the   minimum   servicing
                                 standards.




GS Mortgage Securities Corp.
85 Broad Street
New York, New York 10004


Reference is made to each pooling and  servicing  agreement  listed on Exhibit A
hereto (each,  an "Agreement")  entered into by JPMorgan Chase Bank,  N.A., (the
"Master Servicer").

(a) a review of the  activities  of the Master  Servicer  during  the  preceding
fiscal year and of  performance  under this  Agreement  has been made under such
officer's supervision, and

(b) to the best of such officer's  knowledge,  based on such review,  the Master
Servicer has fulfilled all its obligations under this Agreement  throughout such
fiscal  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 and the action  being  taken by the Master  Servicer to cure
such default.


JPMorgan Chase Bank, N.A.

By: /s/ William Jenkins              March 15, 2006
----------------------------
William Jenkins
Vice President




                                   EXHIBIT A

GSAA 2005-11
GSAA 2005-14
GSR  2005-1F
GSR  2005-2F
GSR  2005-3F
GSR  2005-4F
GSR  2005-5F
GSR  2005-6F
GSR  2005-7F
GSR  2005-8F


<PAGE>

                                  EXHIBIT 99.2
                Countrywide Home Loans Servicing LP, as Servicer
   Annual Independent Accountants' Servicing Report with Management Assertion
                  Annual Servicer's Statement as to Compliance
                                   ----------


                        KPMG LLP                      Telephone  213 972 4000
                        Suite 2000                    Fax        213 822 1217
                        355 South Grand Avenue        Internet   www.us.kpmg.com
                        Los Angeles, CA  90071


                        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 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.

<PAGE>

                                              COUNTRYWIDE
                                              Home Loans

                                              2900 Madera Road
                                              Simi Valley, California 93065-6298
                                              (805)955-1000

                             Management's Assertion

March 3, 2006

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 banker's (fidelity) bond in the amount of $200 million and an errors ad
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 Balley
------------------------------
Steve Balley
Senior Managing Director and
Chief Executive Officer, Loan Administration

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



<PAGE>


                                        COUNTRYWIDE
                                        Home Loans

                                        400 Countrywide Way
March 10, 2006                          Simi Valley, California 93065-6298


JPMorgan Chase Bank
Re: please see attached list
6525 West Campus Oval, Suite 200
New Albany, OH 43054
Attn: Carrie Grome


                             OFFICER'S CERTIFICATE

I, Joseph  Candelario,  hereby certify that I am the First Vice President,  Loan
Administration  of  Countrywide  Home  Loans,  Inc.,  fka  Countrywide   Funding
Corporation.  I further  certify,  with respect to the Servicing  Agreements for
Countrywide Mortgage Obligations, Inc., the following:

I have reviewed the activities and performance of the Servicer during the fiscal
year  ended  December  31,  2005  under the  Agreements  and,  to the best of my
knowledge,  based on my review,  the Servicer has  fulfilled  all of its duties,
responsibilities or obligations under the Agreements throughout the fiscal year.



/s/ Joseph M. Candelario                        March 10, 2006
----------------------------                    --------------
Joseph M. Candelario                            Date
First Vice President
Compliance Officer
Loan Administration



GSAA   2005-11
GSAA   2005-14
GSMPS  2005-RP3
GSR    2004-03F
GSR    2004-10F
GSR    2004-11
GSR    2004-15F
GSR    2004-2F
GSR    2004-4
GSR    2004-8F
GSR    2004-9
GSR    2005-1F
GSR    2005-2F
GSR    2005-3F
GSR    2005-4F
GSR    2005-5F
GSR    2005-6F
GSR    2005-7F
GSR    2005-8F
TMTS   2004 1HE
TMTS   2004 3HE
TMTS   2004 7HE
TMTS   2004 5HE
TMTS   2004 9HE
TMTS   2004 18SL
IXIS   2005-HE3



<PAGE>

                                  EXHIBIT 99.3
                 GreenPoint Mortgage Funding , Inc., as Servicer
   Annual Independent Accountants' Servicing Report with Management Assertion
                  Annual Servicer's Statement as to Compliance
                                   ----------

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 LP
-----------------
February 21, 2006


                                                        100 Wood Hollow Drive
                                                        Novato, CA 94945
                                                        (800) 462-2700

                                                        GreenPoint Mortgage


                              Management's Assertion

February 21, 2006

As of and for the year ended 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   America's  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 within  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                       /s/ Dave Petrini
-----------------------                 -----------------------
Steve Abreu                             Dave Petrini
Chief Executive Officer                 Chief Financial Officer


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



                                                                 PO Box 84013
                                                      Columbus, GA 31908-4013
                                                            Tel. 800.784.5566

                                                          GreenPoint Mortgage


                               February 27, 2006

     RE: Annual  Statement of Compliance for the Servicing  Agreement  listed on
         Exhibit A hereto (each as "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  office  of  GreenPoint  Mortgage  Funding, Inc. (as
"Servicer") hereby  certifies as  to the  following (capitalized terms  have the
meaning 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
                                            ------------------------
                                            Michael De Francesco
                                            Senior Vice President
                                            Loan Administration



                                                               PO Box 84013
                                                    Columbus, GA 31908-4013
                                                          Tel. 800.784.5566

                                                        GreenPoint Mortgage

                                   EXHIBIT A
                                  -----------

    TMTS   2004   5HE          CSFB   2002     5         GSR   2004   13F
    TMTS   2004   7HE          CSFB   2002     9         GSR   2005    1F
    TMTS   2004   9HE          CSFB   2002    10         GSR   2005    8F
    TMTS   2004  11HE          CSFB   2002    18         GSAA  2005    11
    TMTS   2004  19HE          CSFB   2002    22         GSAA  2005    14
    TMTS   2004  21HE          CSFB   2002    26
    TMTS   2004  16SL          CSFB   2002   AR8
                               CSFB   2003  AR24
                               CSFB   2003  AR28


<PAGE>

                                  EXHIBIT 99.4
                     National City Mortgage Co., as Servicer
        Annual Independent Accountants' Servicing Report with Management
             Assertion Annual Servicer's Statement as to Compliance
                                   ----------

                         Ernst & Young LLP              Phone (216) 861-5000
                         Suite 1300                      www.ey.com
                         Cleveland, Ohio

                 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



                                   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 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


                                   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.

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.

VI.  Delinquencies

1.   Records  documenting  collection  efforts  shall be  maintained  during the
     period a loan is in default  and shall be undated  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.




                                   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


                              COMPANY CERTIFICATION

I, T. Jackson  Case,  Jr.,  hereby  certify to J.P.MORGAN  MORTGAGE  ACQUISITION
CORP.,  that I am a duly  elected  Executive  Vice  President  of National  City
Mortgage Corporation (the "Company"),  a corporation organized under the laws of
the State of Ohio and further as follows:

    (i)    A  review  of  the activities of the Servicer  during the  preceding
           calendar year and of  performance under this  Agreement has been made
           under such officers' supervision,

    (ii)   The Servicer has fully complied with the provisions of this Agreement
           and

    (iii)  To the best of  such officers' knowledge,  based on such review,  the
           Servicer 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.



National City Mortgage

Certified By:  /s/  T. Jackson Case, Jr.      Date:  March 2, 2006
               -------------------------             --------------
Name:          T. Jackson Case, Jr.

Title:         Executive  Vice President



                                   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


                                  ATTACHMENT TO
                         ANNUAL STATEMENT OF COMPLIANCE

CSFB  2002-34
CSFB  2002-AR13
CSFB  2002-AR27
CSFB  2002-AR28
CSFB  2002-AR31
CSFB  2002-AR33
CSFB  2003-11
CSFB  2003-17
CSFB  2003-AR12
CSFB  2003-AR15
CSFB  2003-AR2
CSFB  2003-AR26
GSAA  2005-11
GSAA  2005-14
GSAMP 2005-SEA1
GSR   2003-7F
GSR   2003-9
GSR   2004-03F
GSR   2004-10F
GSR   2004-11
GSR   2004-13F
GSR   2004-6F
GSR   2004-9
GSR   2005-2F
GSR   2005-3F
GSR   2005-4F
GSR   2005-5F
GSR   2005-6F
GSR   2005-7F
GSR   2005-8F


<page>

                                  EXHIBIT 99.5
                       Suntrust Mortgage Inc., as Servicer
        Annual Independent Accountants' Servicing Report with Management
             Assertion Annual Servicer's Statement as to Compliance
                                   ----------


                                               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 Shareholder
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/ PricewaterhouseCoopers, LLP
-------------------------------
February 21, 2006

                                                        SunTrust Mortgage
                                                        901 Semmes Avenue
                                                        Richmond, Virginia 23224


                                                                    Exhibit I

                  Management's Assertion Concerning Compliance
                     with USAP Minimum Servicing Standards

March 17, 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 amounts 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




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


JP Morgan Chase, Master Servicing
6525 West Campus Oval, Suite 200
New Albany, OH 43054

RE: ANNUAL SERVICING CERTIFICATION
Deal Names: GSR 2005-7F - GSR 2005-5F - GSR 2005-8F  GSAA 2005-11 - GSAA 2005-14

In connection with the loans serviced by SunTrust  Mortgage,  Inc. for JP Morgan
Chase, I, the undersigned officer,  hereby certify the following as December 31,
2005:

*      All  real  estate  taxes,  special  assessments  and any charges that may
       become a lien upon the property and which became due in the last calendar
       year have been  paid.  This  also  includes  verification of payment with
       taxing authorities for non-impound accounts.

*      For those loans with escrow/impound accounts for the payment of taxes and
       insurance, sufficient  amounts are being collected monthly to provide for
       payment of future amounts due.

*      All FHA  insurance  premiums  or  private mortgage insurance premiums, if
       applicable, have been paid and such coverage is in full force and effect.

*      All properties are  adequately  insured  against  casualty  loss  and, if
       applicable,  flood  loss  and we are in possession of the original hazard
       insurance and floor insurance policies.

*      Fidelity Bond coverage and Errors and Omissions coverage  combined policy
       of $150,000,000 is adequate and in place and the applicable premiums have
       been paid.

*      All interest  and/or  monthly  payment  adjustments for ARM and GPM loans
       have been made in accordance with the  mortgage terms. Timely  and proper
       notice of such changes was provided to the mortgagors.

*      All property  inspections have been completed according to the provisions
       of our Servicing Agreement, if applicable.

*      The P&I custodial  account and  any clearing accounts are maintained in a
       depository  institution  the  deposits  of which  are insured by the Bank
       Insurance  Fund.  The  depository institution   meets or exceeds the most
       recent financial rating requirements set forth by FNMA.

*      We have  complied  with  all other provisions of the Servicing Agreement.

*      We are in  compliance with  IRS requirements  and all federal, state, and
       local  laws  for reporting the receipt  of interest,  payment of fees, or
       acquisition of properties.

*      To the best  of  my  knowledge  and  upon  reasonable  investigation, the
       servicing  of  the  Mortgage  Loans  during  the  preceding year has been
       conducted in  compliance  with  all  other  provision  of  the  Servicing
       Agreement(s)/Purchase  and  Sale  Agreement(s) barring such exceptions as
       listed. Any exceptions to this certification are  listed on an attachment
       along with explanations concerning their completion.  If none are listed,
       it should be considered that there are no exceptions.


BY: /s/ Annette Holman-Foreman                  DATE: March 15, 2006
    --------------------------
    Annette Holman-Foreman, VP
        (name and title)