Exhibit 99.1

National City(R)                          National City Home Loan Services, Inc.
                                          P.O. Box 1838
                                          Pittsburgh, PA 15230-1838



                         FORM OF COMPLIANCE CERTIFICATE

First Franklin Mortgage Loan Trust 2005-FFH4
Asset-Backed Certificates, Series 2005-FFH4

      I, Steven A. Baranet, hereby certify that I am a duly appointed Vice
President of National City Home Loan Services, Inc. (the "Servicer"), and
further certify as follows:

      1.    This certification is being made pursuant to the terms of the
            Pooling and Servicing Agreement, dated as of November 1, 2005, (the
            "Agreement"), among Financial Asset Securities Corp., as depositor,
            National City Home Loan Services, Inc., as servicer and Deutsche
            Bank National Trust Co. as trustee.

      2.    I have reviewed the activities of the Servicer during the preceding
            year and the Servicer's performance under the Agreement and to the
            best of my knowledge, based on such review, the Servicer has
            fulfilled all of its obligations under the Agreement throughout the
            year.

      Capitalized terms not otherwise defined herein have the meanings set forth
      in the Agreement.

      Date: 3-14-06



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National City Home Loan Services, Inc. is a subsidiary of National City Bank of
Indiana. First Franklin and NationPoint are divisions of National City Bank of
Indiana, which is a wholly-owned subsidiary of National City Corporation.
National City Home Loan Services, Inc. services loans for the following
affiliated entities as First Franklin Loan Services, National City Loan Services
and NationPoint:

National City Bank              National City Bank        National City Bank of
National City Bank               of Indiana                Kentucky
 of the Midwest                 National City Bank of     NationPoint
First Franklin                  Pennsylvania
 Financial Corporation
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                                                                   EQUAL HOUSING
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National City(R)                          National City Home Loan Services, Inc.
                                          P.O. Box 1838
                                          Pittsburgh, PA 15230-1838



In WITNESS WHEREOF, the undersigned has executed this certificate as of
March 14,2006

                                 By: /s/ Steven A. Baranet
                                     -------------------------------------------
                                     Name: Steven A. Baranet
                                     Title: Vice President

      I, Nanette M. Stevens, a Senior Vice President of the Servicer, hereby
certify that Steven A. Baronet is a duly elected, qualified, and acting Vice
President of the Servicer and that the signature appearing above is his genuine
signature.

      IN WITNESS WHEREOF, the undersigned has executed this Certificate as of
March 14, 2006

                                 By: /s/ Nanette M. Stevens
                                     -------------------------------------------
                                     Name: Nanette M. Stevens
                                     Title: Senior Vice President



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National City Home Loan Services, Inc. is a subsidiary of National City Bank of
Indiana. First Franklin and NationPoint are divisions of National City Bank of
Indiana, which is a wholly-owned subsidiary of National City Corporation.
National City Home Loan Services, Inc. services loans for the following
affiliated entities as First Franklin Loan Services, National City Loan Services
and NationPoint:

National City Bank              National City Bank        National City Bank of
National City Bank               of Indiana                Kentucky
 of the Midwest                 National City Bank of     NationPoint
First Franklin                   Pennsylvania
 Financial Corporation
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                                                                      [LOGO]
                                                                   EQUAL HOUSING
                                                                      LENDER