Exhibit 99.1d
ANNUAL CERTIFICATION FOR
HOME MORTGAGE PURCHASE PROGRAM
PURSUANT TO THE SALE, SERVICING AND ADMINISTRATION AGREEMENT

PROGRAM NAME: CITIGROUP MORTGAGE LOAN TRUST INC. - SERIES 2005-10

In accordance with the above referenced Agreement, I, the undersigned, hereby
certify as to each Mortgage Loan being serviced by the below named institution
that as of the preceding certification date:

1. I am an "Officer" as defined in the above referenced Agreement, and am
empowered and authorized to issue this Annual Certification.

2. All taxes, ground rents and assessments for the Mortgages covered herein
have been paid.

3. All insurance premiums for flood or other casualty insurance; and FHA
premiums or Private Mortgage Insurance premiums on conventional loans have
been paid, and all policies as required by the Agreement are in full force.
Servicer is in full compliance with the Private Mortgage Insurance automatic
termination provisions of the Homeowners Protection Act of 1998, the American
Homeownership and Economic Opportunity Act of 2000, and Fannie Mae servicing
guidelines where applicable.

4. Inspections have been made monthly on all delinquent, foreclosed or
otherwise vacant properties, and any other property the Servicer has reason to
believe requires an inspection.

5. Analysis has been made to ensure sufficient moneys are being collected in
escrow for the current year.

6. All information returns have been provided to the Internal Revenue Service
as required on activity relating to the relevant Mortgage Loans.

7. If Servicer originates mortgage loans for delivery to investor under the
referenced Agreement or services mortgage loans under the referenced Agreement
that are registered with MERS, the Servicer has remained a member of MERS in
good standing during this Annual Certification period.

8. There is no outstanding or threatened litigation regarding predatory
lending practices pertaining to any loans serviced under this Program.

I further certify:

A.      To the best of my knowledge and upon reasonable investigation, the
servicing of the Mortgage Loans during the year preceding the last
certification date of the Agreement has been conducted in compliance with the
Agreement except for such exceptions as I am setting forth below.

EXCEPTIONS (if any):



B.      A review of activities with respect to performances under the
Agreement during the year preceding the last certification date of the
Agreement has been made under my supervision and to the best of my knowledge,
based on such review, no default exists as of the above date in the fulfillment
of any obligations under the Agreement other than the events of default, if
any, which I am listing below with the nature and status thereof.

EVENTS OF DEFAULT (if any):  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.



NAME OF SERVICING INSTITUTION:   PHH MORTGAGE CORPORATION (FKA CENDANT)

NAME OF AUTHORIZED OFFICER:             __Jack Webb________________________

SIGNATURE OF SAME OFFICER:              _____\s\_____________________________

TITLE OF SAME OFFICER:                  ___Assistant Vice President_________

DATE OF SIGNATURE:                      ____3/13/06__________________________


CERTIFICATION COVERS PERIOD             FROM: January 01, 2005
                                        TO:     January 01, 2006
Serv #: 2581