----

| 1.   | I                  have reviewed the annual report on Form 10-K, and all reports on                  Form 8-K                  containing distribution or servicing reports filed in respect of                  periods                  included in the year covered by this annual report, of First Franklin                  Mortgage Loan Trust, Mortgage Loan Asset-Backed Certificates,                  Series 2005-FF12; |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | Based                  on my knowledge, the information in these 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 trustee by the servicer under the pooling and servicing,                  or similar, agreement, for inclusion in these reports is included                  in these                  reports; |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | Based                  on my knowledge and upon the annual compliance statement included                  in the                  report and required to be delivered to the trustee in accordance                  with the                  terms of the pooling and servicing, or similar, agreement, and                  except as                  disclosed in the reports, the servicer has fulfilled its obligations                  under                  the servicing agreement; and |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | The                  reports disclose all significant deficiencies relating to the servicer’s                  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 pooling and servicing,                  or similar, agreement, that is included in these                  reports; |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----