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, 2006
                                       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: 333-130642-01


                CHEC Funding, LLC (n/k/a Nationstar Funding, LLC)
             (Exact name of registrant as specified in its charter)

                      CENTEX HOME EQUITY LOAN TRUST 2006-A
                                (Issuing Entity)

                CHEC Funding, LLC (n/k/a Nationstar Funding, LLC)
              (Exact name of Depositor as specified in its charter)

         Centex Home Equity Company, LLC (n/k/a Nationstar Mortgage LLC)
               (Exact name of Sponsor as specified in its charter)

         Delaware                                            75-2851805
State or other jurisdiction of                           (I.R.S. Employer
incorporation or organization                            Identification No.)

350 Highland Drive
Lewisville, Texas                                                75067
(Address of Principal Executive Offices)                      (Zip Code)

        Registrant's telephone number, including area code: (469) 549-2000


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
Rule 12b-2 of the Act).  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

List hereunder the following documents if incorporated by reference and the part
of the Form 10-K  (e.g.,  Part I, Part II,  etc.)  into  which the  document  is
incorporated:   (1  Any  annual  report  to  security  holders;  (2)  Any  proxy
information statement;  and, (3) Any prospectus filed pursuant to Rule 424(b) or
(c) under the  Securities Act of 1933.  The listed  documents  should be clearly
described for identification  purposes (e.g.,  annual report to security holders
for fiscal year ended date December 24, 1980).    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.

         Not Applicable.

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.

         Not Applicable.

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.

         Not Applicable.

                                      -2-

<PAGE>

PART III

Item 10. Directors, Executive Officers and Corporate Governance.

         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, and Director
         Independence.

         Not Applicable.

Item 14. Principal Accounting Fees and Services.

         Not Applicable.


PART IV

Item 15. Exhibits, Financial Statement Schedules.

         (a)(1) Financial Statements:
                Not Applicable.

         (a)(2) Financial Statement Schedules:
                Not Applicable.

         (a)(3) The following documents are filed as a part of this report:

                Exhibit No.

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

                 4.1 Pooling  and  Servicing  Agreement dated  May 1, 2006 among
                     CHEC  FUNDING,  LLC,   as  Depositor,  CENTEX  HOME  EQUITY
                     COMPANY, LLC, as Seller, HARWOOD STREET FUNDING II, LLC, as
                     Conduit  Seller,   CENTEX  HOME  EQUITY  COMPANY,  LLC,  as
                     Servicer, and  JPMORGAN CHASE BANK, NATIONAL ASSOCIATION as
                     Trustee previously filed under  Form 8-K as  Ex. 4.1 on May
                     31, 2006, as amended under form 8-K/A on August 3, 2006 and
                     incorporated herein by reference.

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

         (c)    Not Applicable.

                                      -3-

<PAGE>

                 ADDITIONAL DISCLOSURE ITEMS FROM REGULATION AB

Item 1112(b) of Regulation AB:
         Significant Obligor Financial Information

         Not Applicable.

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

         Not Applicable.

Item 1117 of Regulation AB:
         Legal Proceedings

         There are  no legal  proceedings  pending, or proceedings  known  to be
         contemplated  by  governmental  authorities,  against  the sponsor, the
         depositor,  the servicer,  the trustee,  or the  trust, or any property
         thereof, that is material to the holders of certificates.

Item 1119 of Regulation AB:
         Affiliations  and  Certain Relationships and Related Transactions

         None.

Item 1122 of Regulation AB:
         Compliance with applicable Servicing Criteria

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

                Exhibit No.

                33.1  Certification  Regarding  Compliance  with  Applicable
                      Servicing Criteria, Nationstar Mortgage LLC, as Servicer
                33.2  Assertion of Compliance With Applicable Servicing Criteria
                      The Bank of New York & The Bank of New York Trust Company,
                      as Trustee and Custodian
                33.3  Assertion of Compliance With Applicable Servicing Criteria
                      JPMorgan Chase Bank, N.A., as Trustee
                33.4  Management's  Report  on  Assessment  of  Compliance  with
                      Applicable Servicing Criteria,  J.P. Morgan Trust Company,
                      National Association, as Custodian
                34.1  Report  of  Independent  Registered Public Accounting Firm
                      (Ernst & Young), Nationstar Mortgage LLC, as Servicer
                34.2  Report  of  Independent  Registered Public Accounting Firm
                      (Ernst & Young), The Bank of New York & The Bank of New
                      York Trust Company, as Trustee and Custodian
                34.3  Report  of  Independent  Registered Public Accounting Firm
                      (PricewaterhouseCoopers), JPMorgan Chase Bank, N.A.,
                      as Trustee
                34.4  Report  of  Independent  Registered Public Accounting Firm
                      (PricewaterhouseCoopers), J.P. Morgan Trust Company,
                      National Association, as Custodian

The  following   parties  have  reported  one  or  more  instances  of  material
noncompliance with applicable servicing criteria in their reports on assessments
of compliance:

     Nationstar Mortgage LLC has reported material noncompliance with applicable
     servicing  criteria.  Nationstar  Mortgage  LLC's report on  assessment  of
     compliance is attached as Exhibit 33.1

     JPMorgan  Chase  Bank,  N.A.  has  reported  material   noncompliance  with
     applicable  servicing  criteria.  JPMorgan  Chase  Bank,  N.A.'s  report on
     assessment of compliance is attached as Exhibit 33.3

Item 1123 of Regulation AB:
         Servicer Compliance Statement

         (a)    The following document are filed as part of this report.

                Exhibit No.

                35.1  Servicer Compliance Statement

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

No annual  report,  proxy  statement,  form of proxy or other  proxy  soliciting
material  has  been  sent to  certificateholders,  and the  registrant  does not
presently  contemplate  sending any such  materials  subsequent to the filing of
this report.


                                      -4-

<PAGE>

SIGNATURES

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: Nationstar Mortgage LLC, as Servicer

                By: /s/ Jay Bray
                    ----------------------------------------------------
              Name: Jay Bray
             Title: Executive Vice President and Chief Financial Officer

              Date: March 28, 2007


                                      -5-
<PAGE>


                                  EXHIBIT INDEX

Exhibit      Description


  4.1        Pooling  and  Servicing  Agreement  dated  May 1, 2006  among  CHEC
             FUNDING,  LLC,  as Depositor,  CENTEX HOME EQUITY COMPANY, LLC,  as
             Seller,  HARWOOD STREET FUNDING II, LLC,  as Conduit Seller, CENTEX
             HOME EQUITY COMPANY,  LLC,  as Servicer,  and  JPMORGAN CHASE BANK,
             NATIONAL  ASSOCIATION  as Trustee  previously filed under  Form 8-K
             as Ex. 4.1 on May 31, 2006,  as amended under  form 8-K/A on August
             3, 2006 and incorporated herein by reference.

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

 33.1        Certification Regarding Compliance with Applicable Servicing
             Criteria, Nationstar Mortgage LLC, as Servicer

 33.2        Assertion of Compliance With Applicable Servicing Criteria
             The Bank of New York and The Bank of New York Trust Company,
             as Trustee and Custodian

 33.3        Management's Report on Assessment of Compliance with Applicable
             Servicing Criteria, JPMorgan Chase Bank, N.A., as Trustee

 33.4        Management's Report on Assessment of Compliance with Applicable
             Servicing Criteria, JPMorgan Chase Bank, N.A., as Custodian

 34.1        Report of Independent Registered Public Accounting Firm
             Nationstar Mortgage LLC - (Ernst & Young)

 34.2        Report of Independent Registered Public Accounting Firm
             The Bank of New York and The Bank of New York Trust Company,
             as Trustee and Custodian - (Ernst & Young)

 34.3        Report of Independent Registered Public Accounting Firm
             JPMorgan Chase Bank, N.A., as Trustee - (PricewaterhouseCoopers)

 34.4        Report of Independent Registered Public Accounting Firm
             JPMorgan Chase Bank, N.A., as Custodian - (PricewaterhouseCoopers)

 35.1        Servicer Compliance Statement


                                       -6-

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


                          Certification of the Servicer

RE:  Centex Home Equity Loan Trust 2006-A (the "Trust")

I, Jay Bray, certify that:

 1.  I have  reviewed  this  report  on Form 10-K and all  reports  on Form 10-D
     required  to be filed in respect of the  period  covered by this  report on
     Form 10-K of Centex  Home  Equity  Loan Trust  2006-A  (the  "Exchange  Act
     periodic reports");
 2.  Based on my knowledge, the Exchange Act periodic reports, taken as a whole,
     do 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 with
     respect to the period covered by this report;
 3.  Based  on my  knowledge,  all  of the  distribution,  servicing  and  other
     information  required to be provided under Form 10-D for the period covered
     by this report is included in the Exchange Act periodic reports;
 4.  I am responsible  for reviewing the  activities  performed by the servicers
     and based on my knowledge and the compliance reviews conducted in preparing
     the servicer compliance  statements required in this report under Item 1123
     of  Regulation  AB, and except as  disclosed  in the  Exchange Act periodic
     reports, the servicers have fulfilled their obligations under the servicing
     agreements; and
 5.  All of the reports on assessment of compliance with servicing  criteria for
     asset-backed securities and their related attestation reports on assessment
     of compliance with servicing criteria for asset-backed  securities required
     to be included in this report in accordance with Item 1122 of Regulation AB
     and Exchange  Act Rules 13a-18 and 15d-18 have been  included as an exhibit
     to this report,  except as otherwise disclosed in this report. Any material
     instances of noncompliance described in such reports have been disclosed in
     this report on Form 10-K.

     In giving the certifications above, I have reasonably relied on information
provided to me by JP Morgan Chase Bank, N.A., Assurant Inc., and First American.

     Date: March 20, 2007
                                        /s/ Jay Bray
                                        ----------------------------------
                                        Jay Bray
                                        Executive Vice President and Chief
                                        Financial Officer

<PAGE>

                                  EXHIBIT 33.1
                                ----------------
                             Nationstar Mortgage LLC

      Certification Regarding Compliance with Applicable Servicing Criteria

1.   Nationstar   Mortgage  LLC  (f/k/a   Centex  Home  Equity   Company,   LLC)
     ("Nationstar")  is responsible for assessing  compliance with the servicing
     criteria  applicable  to it under  paragraph (d) of Item 1122 of Regulation
     AB,  as of and for the  12-month  period  ending  December  31,  2006  (the
     "Reporting  Period"),  as set forth in Exhibit A hereto.  The  transactions
     covered by this report include  asset-backed  securities  transactions  for
     which  Nationstar  acted  as  servicer  involving  first  and  second  lien
     residential mortgage loans other than (a) transactions  registered prior to
     compliance with Regulation AB and (b) Fannie Mae residential  mortgage loan
     securitizations (the Platform), as listed in Exhibit B hereto;

2.   Nationstar  engaged certain  vendors (the  "Vendors") to perform  specific,
     limited   or   scripted   activities,   and   Nationstar   elects  to  take
     responsibility  for assessing  compliance  with the  servicing  criteria or
     portion of the servicing criteria  applicable to such Vendors'  activities,
     unless otherwise noted, as set forth in Exhibit A hereto;

3.   Except as set forth in paragraph 4 below,  Nationstar used the criteria set
     forth  in  paragraph  (d) of  Item  1122 of  Regulation  AB to  assess  the
     compliance with the applicable servicing criteria;

4.   The criteria listed in the column titled "Inapplicable  Servicing Criteria"
     on Exhibit A hereto are  inapplicable to Nationstar based on the activities
     it performs, directly or through its Vendors, with respect to the Platform;

5.   Nationstar  has complied,  in all material  respects,  with the  applicable
     servicing  criteria as of and for the Reporting  Period with respect to the
     Platform taken as a whole, except as described on Exhibit C hereto;

6.   Nationstar has not identified and is not aware of any material  instance of
     noncompliance by the Vendors with the applicable  servicing  criteria as of
     December 31, 2006 and for the Reporting period with respect to the Platform
     taken as a whole, except as described on Exhibit C hereto;

7.   Nationstar has not  identified any material  deficiency in its policies and
     procedures  to monitor the  compliance  by the Vendors with the  applicable
     servicing  criteria as of December  31, 2006 and for the  Reporting  Period
     with respect to the Platform taken as a whole; and

8.   Ernst  &  Young,  a  registered  public  accounting  firm,  has  issued  an
     attestation  report  on  Nationstar's  assessment  of  compliance  with the
     applicable servicing criteria for the Reporting Period.


                        March 20, 2007

                        Nationstar Mortgage LLC

                        By: /s/ Jay Bray
                        ---------------------------------------------------
                        Name:  Jay Bray
                        Title: Executive Vice President and Chief Financial
                               Officer



<TABLE>

             <c>             <c>

                                      EXHIBIT A
---------------------------------------------------------------------------  ----------------------------  -------------------
                                                                                                              INAPPLICABLE
                                                                                     APPLICABLE                 SERVICING
                                  SERVICING CRITERIA                             SERVICING CRITERIA             CRITERIA
---------------------------------------------------------------------------  -------------  -------------  -------------------
                                                                                            Performed by
                                                                                            Vendor(s)
                                                                                            for which
                                                                                            Nationstar
                                                                                            is the
                                                                             Performed by   Responsible
   Reference                           Criteria                              Nationstar     Party
---------------------------------------------------------------------------  -------------  -------------  -------------------
                           General Servicing Considerations
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(1)(i)    Policies and procedures are instituted to monitor any
                    performance or other triggers and events of default in
                    accordance with the transaction agreements.                   X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(1)(ii)   If any material servicing activities are outsourced to
                    third parties, policies and procedures are instituted to
                    monitor the third party's performance and compliance
                    with such servicing activities.                               X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(1)(iii)  Any requirements in the transaction agreements to
                    maintain a back-up servicer for the mortgage loans are
                    maintained.                                                                                    X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(1)(iv)   A fidelity bond and errors and omissions policy is in
                    effect on the party participating in the servicing
                    function throughout the reporting period in the amount
                    of coverage required by and otherwise in accordance
                    with the terms of the transaction agreements.                 X
---------------------------------------------------------------------------  -------------  -------------  -------------------
                          Cash Collection and Administration
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(i)    Payments on mortgage loans are deposited into the
                    appropriate custodial bank accounts and related bank
                    clearing accounts no more than two business days
                    following receipt, or such other number of
                    days specified in the transaction agreements.                 X             X(1)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(ii)   Disbursements made via wire transfer on behalf of an
                    obligor or to an investor are made only by authorized
                    personnel.                                                                  X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(iii)  Advances of funds or guarantees regarding collections,
                    cash flows or distributions, and any interest or other
                    fees charged for such advances, are made, reviewed and
                    approved as specified in the transaction agreements.          X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(iv)   The related accounts for the transaction, such as cash
                    reserve accounts or accounts established as a form of
                    overcollateralization, are separately maintained (e.g.,
                    with respect to commingling of cash) as set forth in
                    the transaction agreements.                                   X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(v)    Each custodial account is maintained at a federally
                    insured depository institution as set forth in the
                    transaction agreements. For purposes of this criterion,
                    federally insured depository institution" with respect
                    to a foreign financial institution means a foreign
                    financial institution that meets the requirements of
                    Rule 13k-1(b)(1) of the Securities Exchange Act.              X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(vi)   Unissued checks are safeguarded so as to prevent
                    unauthorized access.                                          X             X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(2)(vii)  Reconciliations are prepared on a monthly basis for all
                    asset-backed securities related bank accounts, including
                    custodial accounts and related bank clearing accounts.
                    These reconciliations are (A) mathematically accurate;
                    (B) prepared within 30 calendar days after the bank
                    statement cutoff date, or such other number of days
                    specified in the transaction agreements; (C) reviewed
                    and approved by someone other than the person who
                    prepared the reconciliation; and (D) contain
                    explanations for reconciling items. These reconciling
                    items are resolved within 90 calendar days of their
                    original identification, or such other number of days
                    specified in the transaction agreements.                      X
---------------------------------------------------------------------------  -------------  -------------  -------------------
                             Investor Remittances and Reporting
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(3)(i)    Reports to investors, including those to be filed with
                    the Commission, are maintained in accordance with the
                    transaction agreements and applicable Commission
                    requirements. Specifically, such reports (A) are
                    prepared in accordance with timeframes and other terms
                    set forth in the transaction agreements; (B) provide
                    information calculated in accordance with the terms
                    specified in the transaction agreements; (C) are filed
                    with the Commission as required by its rules and
                    regulations; and (D) agree with investors' or the
                    trustee's records as to the total unpaid principal
                    balance and number of mortgage loans serviced by the
                    Servicer.                                                                   X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(3)(ii)   Amounts due to investors are allocated and remitted in
                    accordance with timeframes, distribution priority and
                    other terms set forth in the  transaction agreements.                       X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(3)(iii)  Disbursements made to an investor are posted within two
                    business days to the Servicer's investor records, or
                    such other number of days specified in the transaction
                    agreements.                                                                 X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(3)(iv)   Amounts remitted to investors per the investor reports
                    agree with cancelled checks, or other form of payment,
                    or custodial bank statements.                                               X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
                                  Pool Asset Administration
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(i)    Collateral or security on mortgage loans is maintained
                    as required by the transaction agreements or related
                    mortgage loan documents.                                      X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(ii)   Mortgage loan and related documents are safeguarded as
                    required by the transaction agreements                        X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(iii)  Any additions, removals or substitutions to the asset
                    pool are made, reviewed and approved in accordance with
                    any conditions or requirements in the transaction
                    agreements.                                                   X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(iv)   Payments on mortgage loans, including any payoffs, made
                    in accordance with the related mortgage loan documents
                    are posted to the Servicer's obligor records maintained
                    no more than two business days after receipt, or such
                    other number of days specified in the transaction
                    agreements, and allocated to principal, interest or other
                    items (e.g., escrow) in accordance with the related
                    mortgage loan documents.                                      X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(v)    Servicer's records regarding the pool assets agree with
                    the Servicer's record's with respect to an obligor's
                    unpaid principal balance.                                     X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(vi)   Changes with respect to the terms or status of an
                    obligor's mortgage loans (e.g., loan modifications or
                    re-agings) are made, reviewed and approved by authorized
                    personnel in accordance with the transaction agreements
                    and related pool asset documents.                             X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(vii)  Loss mitigation or recovery actions (e.g., forbearance
                    plans, modifications and deeds in lieu of foreclosure,
                    foreclosures and repossessions, as applicable) are
                    initiated, conducted and concluded in accordance with
                    the timeframes or other requirements established by the
                    transaction agreements.                                       X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(viii) Records documenting collection efforts are maintained
                    during the period a mortgage loan is delinquent in
                    accordance with the transaction agreements. Such records
                    are maintained on at least a monthly basis, or such
                    other period specified in the transaction agreements,
                    and describe the entity's activities in monitoring
                    delinquent mortgage loans including, for example, phone
                    calls, letters and payment rescheduling plans in cases
                    where delinquency is deemed temporary (e.g., illness or
                    unemployment).                                                X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(ix)   Adjustments to interest rates or rates of return for
                    mortgage loans with variable rates are computed based
                    on the related mortgage loan documents.                       X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(x)    Regarding any funds held in trust for an obligor (such
                    as escrow accounts): (A) such funds are analyzed, in
                    accordance with the obligor's mortgage loan documents,
                    on at least an annual basis, or such other period
                    specified in the transaction agreements; (B) interest
                    on such funds is paid, or credited, to obligors in
                    accordance with applicable mortgage loan documents and
                    state laws; and (C) such funds are returned to the
                    obligor within 30 calendar days of full repayment of
                    the related mortgage loans, or such other number of
                    days specified in the transaction agreements.                 X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(xi)   Payments made on behalf of an obligor (such as tax or
                    insurance payments) are made on or before the related
                    penalty or expiration dates, as indicated on the
                    appropriate bills or notices for such payments,
                    provided that such support has been received by the
                    servicer at least 30 calendar days prior to these
                    dates, or such other number of days specified in the
                    transaction agreements.                                                     X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(xii)  Any late payment penalties in connection with any
                    payment to be made on behalf of an obligor are paid
                    from the Servicer's funds and not charged to the
                    obligor, unless the late payment was due to the
                    obligor's error or omission.                                                X(2)
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(xiii) Disbursements made on behalf of an obligor are posted
                    within two business days to the obligor's records
                    maintained by the Servicer, or such other number of
                    days specified in the transaction agreements.                 X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(xiv)  Delinquencies, charge-offs and uncollectible accounts
                    are recognized and recorded in accordance with the
                    transaction agreements.                                       X
---------------------------------------------------------------------------  -------------  -------------  -------------------
   1122(d)(4)(xv)   Any external enhancement or other support, identified
                    in Item 1114(a)(1) through (3) or Item 1115 of
                    Regulation AB, is maintained as set forth in the
                    transaction agreements.                                       X
---------------------------------------------------------------------------  -------------  -------------  -------------------
(1) Nationstar has elected  to take responsibility for assessing  compliance  with such servicing  criteria as  permitted by  the
    Interpretation 17.06  of the  SEC Division of Finance Telephone interpretation with respect to the initial processing of cash
    receipts at the lockbox.
(2) Nationstar will obtain an assertion of management and an accompanying 1122 Attestation Report from the vendor performing such
    activities.

</TABLE>

                                    EXHIBIT B
                                ----------------

                      Centex Home Equity Loan Trust 2006-A
                    Nationstar Home Equity Loan Trust 2006-B
                   Newcastle Mortgage Securities Trust 2006-1
 Asset Backed Securities Corporation Home Equity Loan Trust, Series MO 2006-HE6



                                   EXHIBIT C*
                                ----------------

1.   Nationstar  has  identified  the  following  noncompliance  with  servicing
     criteria  1122(d)(2)(vii)(B)  and  1122(d)(2)(vii)(D)   applicable  to  the
     Platform during the year ended December 31, 2006 as follows:

     1122(d)(2)(vii)(B)  -  Reconciliations  prepared on a monthly basis for all
     asset-backed securities related accounts and related bank clearing accounts
     were not prepared  within 30 calendar days after the bank statement  cutoff
     date.

     1122(d)(2)(vii)(D)  -  Reconciliations  prepared on a monthly basis for all
     asset-backed securities related accounts and related bank clearing accounts
     contained  reconciling items that were not resolved within 90 calendar days
     of their original identification.

2.   Nationstar  has  implemented  the following  procedures to further  monitor
     compliance    with    servicing     criteria     1122(d)(2)(vii)(B)     and
     1122(d)(2)(vii)(D)  applicable  to  the  Platform  during  the  year  ended
     December 31, 2006 as follows:

     1122(d)(2)(vii)(B) - In previous years, Nationstar has implemented controls
     to ensure that all  reconciliations  were completed within the minimum USAP
     standard  of 45  days.  During  2006,  93%  (14  out of  15) of the  tested
     reconciliations  complied  with the  previous  USAP  standard.  Controls to
     ensure  that  reconciliations  were  completed  within  the  more  rigorous
     standard  stated  in  Regulation  AB  Item   1122(d)(2)(vii)(B)  have  been
     implemented  by  Nationstar  management  to  ensure  compliance  with  this
     servicing standard in future periods.

     1122(d)(2)(vii)(D)  - During  2006,  reconciliations  prepared on a monthly
     basis identified  reconciling items aged over 90 days.  Control  activities
     previously  documented  and tested under Section 404 of the  Sarbanes-Oxley
     Act of 2002 have been implemented to ensure that all reconciling items over
     90 days required appropriate management approval to remain outstanding. The
     servicing  standard in Regulation AB requires that all reconciling items be
     resolved within 90 calendar days,  regardless of management approval.  From
     the previously  identified over 90 day reconciling  items, all of the items
     were resolved  without any write-offs.  Controls to ensure that reconciling
     items are resolved  within the more rigorous  standard stated in Regulation
     AB Item  1122(d)(2)(vii)(D)  have been implemented by Nationstar management
     to ensure compliance with this servicing standard in future periods.

3.   Nationstar  has  identified  the  following  noncompliance  with  servicing
     criteria for Vendors identified, applicable to the Platform during the year
     ended December 31, 2006 as follows:

     JP Morgan
     Item  1122(d)(3)(i):  Certain monthly investor reports omitted  information
     required  by the  transaction  agreements  and/or  contained  errors in the
     information presented.

     Item  1122(d)(3)(ii):  Certain  monthly  investor  distributions  contained
     errors as to amounts due to certain investors.

     First American Real Estate Solutions, L.P.
     1122(d)(2)(vii)(B)  -  Reconciliations  prepared on a monthly basis for all
     asset-backed securities related accounts and related bank clearing accounts
     were not prepared  within 30 calendar days after the bank statement  cutoff
     date. First American management has implemented enhanced controls to ensure
     that all reconciliations are completed within the 30 day time period.

     Assurant, Inc.
     1122(d)(4)(xii)  - Assurant,  Inc.'s Report on Assessment of Compliance and
     related  Attestation  Report  determined  that  criterion   1122(d)(4)(xii)
     relates to servicing  activities  that are applicable to the Platform,  but
     were excluded from the scope of Assurant Inc.'s assertions and not reported
     on.

* Accountants' attestation report covers only paragraph 1 of this Exhibit C.

<PAGE>

                     REPORT ON ASSESSMENT OF COMPLIANCE WITH
                SECTION 1122(d)(2)(vi) and SECTION 1122(d)(4)(xi)
                       of REGULATION AB SERVICING CRITERIA

American Security  Insurance  Company,  Standard Guaranty  Insurance Company and
Safeco  Financial  Institution  Solutions,  Inc.  (affiliates  of Assurant Inc.,
collectively the "Asserting  Party") is responsible for assessing  compliance as
of December 31, 2006 and for the period from  January 1, 2006  through  December
31, 2006 (the  "Reporting  Period")  with the  servicing  criteria  set forth in
1122(d)(2)(vi),  1122(d)(4)(xi) and  1122(d)(4)(xii) of Title 17, 229.1122(d) of
the Code of Federal  Regulations,  which the  Asserting  Party has concluded are
applicable to the insurance escrow servicing activities it performs with respect
to  all  mortgage  loan-tracking   transactions  covered  by  this  report.  The
transactions   covered  by  this  report  include  all  mortgage   loan-tracking
transactions  for  which  the  Asserting  Party  served as a Vendor on behalf of
Servicers for such  asset-backed  securities  transactions  that were registered
after January 1, 2006 with the  Securities and Exchange  Commission  pursuant to
the Securities Act of 1933 (the  "Platform").  The scope of the Asserting  Party
assertions  excludes  1122(d)(4)(xii)  of Title 17,  229.1122(d)  of the Code of
Federal Regulations, which relates to servicing activities that are performed by
the  Asserting  Party with  respect to the  Platform,  but are not  reported  on
herein.

The  Asserting  Party  has  assessed  its  compliance  with  1122(d)(2)(vi)  and
1122(d)(4)(xi)  ("the Applicable  Servicing  Criteria") for the Reporting Period
and has  concluded  that the  Asserting  Party  has  complied,  in all  material
respects,  with the Applicable  Servicing Criteria for the Reporting Period with
respect to the Platform taken as a whole.  The Asserting Party used the criteria
set  forth  in  paragraph  (d) of  Item  1122 of  Regulation  AB to  assess  the
compliance with the Applicable Servicing Criteria.

The Asserting Party has complied, in all material respects,  with the Applicable
Servicing Criteria for the Reporting Period.

PricewaterhouseCoopers  LLP, an independent  registered  public accounting firm,
has  issued an  attestation  report on the  assessment  of  compliance  with the
Applicable Servicing Criteria as of and for the Reporting Period ending December
31, 2006 as set forth in this assertion.

     American Security Insurance Company
     Standard Guaranty Insurance Company
     Safeco Financial Institution Solutions, Inc.


     By: /s/ John Frobose
     --------------------------------------------
     John Frobose
     Senior Vice President


     Date: February 23, 2007


<PAGE>

                       REPORT ON ASSESSMENT OF COMPLIANCE

First American Real Estate Solutions of Texas,  L.P. (an indirect  subsidiary of
The First American  Corporation,  and the "Asserting  Party") is responsible for
assessing compliance as of December 31, 2006, and for the period from January 1,
2006  through  December 31, 2006 (the  "Reporting  Period")  with the  servicing
criteria  set  forth  in  Title  17,  Section   229.1122(d)(1)(iv),   (d)(2)(v),
(d)(2)(vi), (d)(2)(vii), (d)(4)(xi), (d)(4)(xii) and (d)(4)(xiii) of the Code of
Federal   Regulations  the  ("CFR")  applicable  to  the  Asserting  Party  (the
"Applicable  Servicing  Criteria").  The  transactions  covered  by this  report
include all loans for residential mortgage loan outsourcing  customers for which
the  Asserting  Party  served  as the  residential  tax  service  provider  (the
"Platform").

The Asserting  Party has assessed its compliance  with the Applicable  Servicing
Criteria for the Reporting  Period and has concluded  that,  except as set forth
hereinbelow,  the Asserting Party has complied,  in all material respects,  with
the Applicable Servicing Criteria as of December 31, 2006, and for the Reporting
Period with respect to the Platform taken as a whole.

The  Asserting  Party  assessed its  compliance  with the  Applicable  Servicing
Criteria for the  Reporting  Period and has  identified  a material  instance of
noncompliance   with   the   servicing    criterion   set   forth   in   Section
229.1122(d)(2)(vii)(B)  of the CFR with respect to the  Platform.  Specifically,
the  Asserting  Party  did not  prepare  reconciliations  for  all  asset-backed
securities  related  bank  accounts  within  30  calendar  days  after  the bank
statement  cut-off  date or such  number of days  specified  in the  transaction
agreements.

PricewaterhouseCoopers  LLP, an independent  registered  public accounting firm,
has  issued an  attestation  report on the  assessment  of  compliance  with the
Applicable  Servicing  Criteria as of December 31, 2006,  and for the  Reporting
Period as set forth in this assertion.

FIRST AMERICAN REAL ESTATE SOLUTIONS OF TEXAS, L.P.
By:   First American Real Estate Solutions LLC
      General Partner

/s/ Lucy A. Przybyla
---------------------
Lucy A. Przybyla
Senior Vice President
February 28, 2007



<PAGE>

                                  EXHIBIT 33.2
                                ----------------
           Assertion of Compliance With Applicable Servicing Criteria
          The Bank of New York and The Bank of New York Trust Company,
                            as Trustee and Custodian

The Bank of New York and The Bank of New York Trust Company, N.A. (collectively,
the "Company")  provides this  platform-level  assessment of compliance with the
servicing criteria specified in Item 1122(d) of Regulation AB promulgated by the
Securities and Exchange Commission.

Management has determined that the following  servicing  criteria are applicable
in regards to the following servicing platform for the following period:

Platform:  Publicly-issued (i.e., transaction-level reporting initially required
under  the   Securities   Exchange   Act  of  1934,   as  amended)   residential
mortgage-backed  securities and other mortgage-related  asset-backed  securities
issued on or after January 1, 2006 (and like-kind  transactions  issued prior to
January  1,  2006)  for  which  the   Company   provides   trustee,   securities
administration,  paying agent or custodial services.  The platform includes like
kind   transactions   for  which  the  Company  provided   trustee,   securities
administrator,  paying agent or custodial  services as a result of the Company's
acquisition  as of October 1, 2006 of portions of  JPMorgan  Chase Bank,  N.A.'s
corporate  trust  business,   including  structured  finance  agency  and  trust
transactions.

Applicable Servicing Criteria: All servicing criteria set forth in Item 1122(d),
to  the  extent  required  by  the  related  transaction  agreements  as to  any
transaction,  except for the following criteria:  1122 (d) (1)(ii), (iii), (iv),
(4) (iv), (v), (vi), (vii), (viii), (ix), (x), (xi), (xii) and (xiii).

Period: Twelve months ended December 31, 2006.

With respect to the Platform and the Period,  the Company provides the following
assessment of compliance in respect of the Applicable Servicing Criteria:

- The Company is responsible  for assessing its  compliance  with the Applicable
Servicing Criteria.

- The  Company has assessed  compliance with the  Applicable Servicing Criteria.

- As of  December  31,  2006 and for the  Period,  the  Company  was in material
compliance with the Applicable Servicing Criteria.


Ernst & Young LLP, an independent  registered public accounting firm, has issued
an  attestation  report with respect to the  Company's  foregoing  assessment of
compliance.


        The Bank of New York                    The Bank of New York
        The Bank of New York Trust              The Bank of New York Trust
            Company, N.A.                           Company, N.A.

        By: /s/ Robert L. Griffin               By: /s/ Patrick J. Tadie
            ----------------------                  ----------------------
            Robert L. Griffin                       Patrick J. Tadie
            Authorized Signer                       Authorized Signer



<PAGE>

                                  EXHIBIT 33.3
                                ----------------
              Management's Report on Assessment of Compliance with
                          Applicable Servicing Criteria
                      JPMorgan Chase Bank, N.A., as Trustee


     JPMorgan  Chase  Bank,  National  Association  (the  "Asserting  Party") is
responsible for assessing compliance as of September 30, 2006 and for the period
from January 1, 2006 through September 30, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction   agreements  and  excluding  the  criteria  set  forth  in  17  CFR
229.1122(d)  (1)(ii)-(iv),  (2)(iii),  (2)(vi),  (4)(i)-(ii),  and (4)(iv)-(xiv)
which the Asserting  Party has concluded are not applicable to the activities it
performs with respect to the asset-backed securitization transactions covered by
this report (such  criteria,  after giving effect to the  exclusions  identified
above,  the  "Applicable  Servicing  Criteria").   This  report  covers  certain
asset-backed  securities  transactions  backed by  residential  mortgages,  home
equity loans, auto loans,  credit card receivables,  dealer floor plans,  retail
installment  contracts and manufactured housing contracts for which transactions
the  Asserting  Party  performs the  Applicable  Servicing  Criteria as trustee,
securities   administrator  or  paying  agent  that  were  registered  with  the
Securities  and Exchange  Commission  pursuant to the Securities Act of 1933, as
amended,  where the related asset-backed  securities were outstanding during the
reporting period (the "Platform"), as listed in Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFR
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria for the Reporting Period and (ii) concluded that, other than
as identified on Appendix B, the Asserting  Party has complied,  in all material
respects,  with the Applicable  Servicing  Criteria as of September 30, 2006 and
for the Reporting Period with respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an  attestation  report  for the  Platform,  stating  that the
Asserting Party has complied with the Applicable Servicing Criteria,  except for
material  instances of non-compliance  identified on Appendix B, as of September
30, 2006 and for the Reporting Period.

JPMorgan Chase Bank, National Association

/s/ Kelly A. Mathieson
-----------------------
Kelly A. Mathieson, Managing Director
Date:  March 14, 2007



--------------------------------------------------------------------------------
                                   Appendix A
--------------------------------------------------------------------------------
                         BA Master Credit Card Trust II
                   Capital Auto Receivables Asset Trust 2006-1
                      Capital One Auto Finance Trust 2006-A
                      Capital One Auto Finance Trust 2006-B
                Capital One Prime Auto Receivables Trust, 2006-1
                      Centex Home Equity Loan Trust 2006-A
                          Chase Auto Owner Trust 2006-A
                          Chase Auto Owner Trust 2006-B
          Chase Credit Card Master Trust, Series 1996-2 (Class A and B)
          Chase Credit Card Master Trust, Series 1996-3 (Class A and B)
                  Chase Credit Card Master Trust, Series 2001-1
                  Chase Credit Card Master Trust, Series 2001-2
                  Chase Credit Card Master Trust, Series 2001-4
                  Chase Credit Card Master Trust, Series 2001-6
                  Chase Credit Card Master Trust, Series 2002-1
                  Chase Credit Card Master Trust, Series 2002-3
                  Chase Credit Card Master Trust, Series 2002-5
                  Chase Credit Card Master Trust, Series 2002-7
                  Chase Credit Card Master Trust, Series 2003-1
                  Chase Credit Card Master Trust, Series 2003-2
                  Chase Credit Card Master Trust, Series 2003-3
                  Chase Credit Card Master Trust, Series 2003-4
                  Chase Credit Card Master Trust, Series 2003-5
                  Chase Credit Card Master Trust, Series 2003-6
                  Chase Credit Card Master Trust, Series 2004-1
                  Chase Credit Card Master Trust, Series 2004-2
                   Chase Mortgage Finance Trust Series 2006-A1
                   Chase Mortgage Finance Trust Series 2006-S1
                   Chase Mortgage Finance Trust Series 2006-S2
                          ChaseFlex Trust Series 2006-1
                          ChaseFlex Trust Series 2006-2
                     Citigroup Mortgage Loan Trust 2006-CB3
                           CNH Equipment Trust 2006-A
                           CNH Equipment Trust 2006-B
             CWHEQ Revolving Home Equity Loan Trust, Series 2006- F
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-A
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-B
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-C
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-D
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-E
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-G
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-H
                        DaimlerChrysler Auto Trust-2006-A
            Ford Credit Floorplan Master Owner Trust A, Series 2006-3
            Ford Credit Floorplan Master Owner Trust A, Series 2006-4
                      GMACM Home Equity Loan Trust 2006-HE1
                      GMACM Home Equity Loan Trust 2006-HE2
                      GMACM Home Equity Loan Trust 2006-HE3
                      GMACM Home Equity Loan Trust 2006-HE4
                        GMACM Home Loan Trust 2006-HLTV1
                       GMACM Mortgage Loan Trust 2006-AR2
                            GS Auto Loan Trust 2006-1
                          GSAA Home Equity Trust 2006-1
                         GSAA Home Equity Trust 2006-12
                          GSAA Home Equity Trust 2006-3
                          GSAA Home Equity Trust 2006-5
                          GSAA Home Equity Trust 2006-6
                          GSAA Home Equity Trust 2006-9
                         GSR Mortgage Loan Trust 2006-4F
                    Honda Auto Receivables 2006-1 Owner Trust
                     IXIS Real Estate Capital Trust 2006-HE1
                     IXIS Real Estate Capital Trust 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                 J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Trust 2006-ACC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CW1
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE2
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC2
                 J.P. Morgan Mortgage Acquisition Trust 2006-RM1
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC2
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC3
                    Nationstar Home Equity Loan Trust 2006-B
                   Newcastle Mortgage Securities Trust 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-2
                 NovaStar Mortgage Funding Trust, Series 2006-3
                NovaStar Mortgage Funding Trust, Series-2006-MTA1
                Origen Manufactured Housing Contract Trust 2006-A
                 Ownit Mortgage Loan Trust, Series 2006-1 Trust
                 Popular ABS Mortgage Pass-Through Trust 2006-A
                 Popular ABS Mortgage Pass-Through Trust 2006-B
                 Popular ABS Mortgage Pass-Through Trust 2006-C
                 Popular ABS Mortgage Pass-Through Trust 2006-D
                           RAAC Series 2006-SP1 Trust
                           RAAC Series 2006-SP2 Trust
                           RAAC Series 2006-SP3 Trust
                           RAMP Series 2006-RS1 Trust
                           RAMP Series 2006-RS2 Trust
                           RAMP Series 2006-RS3 Trust
                           RAMP Series 2006-RS4 Trust
                           RAMP Series 2006-RS5 Trust
                           RAMP Series 2006-RZ1 Trust
                           RAMP Series 2006-RZ2 Trust
                           RAMP Series 2006-RZ3 Trust
                           RAMP Series 2006-RZ4 Trust
                          RFMSII Series 2006-HSA1 Trust
                      The Home Equity Loan Trust 2006-HSA2
                      The Home Equity Loan Trust 2006-HSA3
                      The Home Equity Loan Trust 2006-HSA4
                      The Home Equity Loan Trust 2006-HSA5
                          The Home Loan Trust 2006-HI1
                          The Home Loan Trust 2006-HI2
                          The Home Loan Trust 2006-HI3
                          The Home Loan Trust 2006-HI4
                          USAA Auto Owner Trust 2006-1
                          USAA Auto Owner Trust 2006-2

--------------------------------------------------------------------------------
                                   APPENDIX B
--------------------------------------------------------------------------------
                       Material Instances of Noncompliance

During the Reporting Period,  the Company has identified the following  material
instances of noncompliance the Applicable Servicing Criteria.

     CFR  Item   1122(d)(3)(i):   Certain  monthly   investor   reports  omitted
     information required by the transaction  agreements and/or contained errors
     in the information presented.

     CFR Item 1122(d)(3)(ii):  Certain monthly investor distributions  contained
     errors as to amounts due to certain investors.

                               Remediation Efforts

Errors and omissions were corrected and appropriate measures were taken to avoid
similar errors and omissions.


                                 JPMorgan Chase

        Management's Report on Assessment of Compliance with Applicable
                               Servicing Criteria


     JPMorgan  Chase  Bank,  National  Association  (the  "Asserting  Party") is
responsible  for  assessing  compliance as of October 1, 2006 and for the period
from October 1, 2006 through  December 31, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction  agreements  excluding the criteria set forth in 17 CFR  229.1122(d)
(1)(i)-(iv),  (2)(i)-(vi),  (3)(i)-(iv),  and  (4)(i)-(xv),  which the Asserting
Party has  concluded  are not  applicable  to the  activities  it performs  with
respect to the asset-backed  securitization  transactions covered by this report
(such  criteria,  after giving effect to the exclusions  identified  above,  the
"Applicable Servicing Criteria"). This report covers the asset-backed securities
transactions backed by residential  mortgages and home equity loans, auto loans,
credit cards, dealer floor plans, retail installment  contracts and manufactured
housing  contracts  for which  transactions  the  Asserting  Party  performs the
applicable  servicing  criteria,  that were  registered  with the Securities and
Exchange  Commission  pursuant to the Securities Act of 1933, as amended,  where
the related  asset-backed  securities were either (1) issued during the calendar
year ending  December 31, 2006 or (2) issued  prior to the calendar  year ending
December 31, 2006 and remain  subject to the  reporting  requirements  under the
Securities and Exchange Act of 1934, as amended (the  "Platform"),  as listed in
Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFR
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria  for the  Reporting  Period  and  (ii)  concluded  that  the
Asserting  Party has complied,  in all material  respects,  with the  Applicable
Servicing  Criteria as of December  31, 2006 and for the  Reporting  Period with
respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an attestation  report for the Platform,  on our assessment of
compliance  with the Applicable  Servicing  Criteria as of December 31, 2006 and
for the Reporting Period as set forth in this report.

JPMorgan Chase Bank, National Association



/s/ Brian Goldman
------------------------------------
Brian Goldman, Senior Vice President
Date:  March 12, 2007




--------------------------------------------------------------------------------
                                   Appendix A
--------------------------------------------------------------------------------
                         BA Master Credit Card Trust II
                   Capital Auto Receivables Asset Trust 2006-1
                   Capital Auto Receivables Asset Trust 2006-2
                      Capital One Auto Finance Trust 2006-A
                      Capital One Auto Finance Trust 2006-B
                      Capital One Auto Finance Trust 2006-C
                 Capital One Prime Auto Receivables Trust 2006-2
                Capital One Prime Auto Receivables Trust, 2006-1
                      Centex Home Equity Loan Trust 2006-A
                          Chase Auto Owner Trust 2006-A
                          Chase Auto Owner Trust 2006-B
          Chase Credit Card Master Trust, Series 1996-2 (Class A and B)
          Chase Credit Card Master Trust, Series 1996-3 (Class A and B)
                  Chase Credit Card Master Trust, Series 2001-1
                  Chase Credit Card Master Trust, Series 2001-2
                  Chase Credit Card Master Trust, Series 2001-4
                  Chase Credit Card Master Trust, Series 2001-6
                  Chase Credit Card Master Trust, Series 2002-1
                  Chase Credit Card Master Trust, Series 2002-3
                  Chase Credit Card Master Trust, Series 2002-5
                  Chase Credit Card Master Trust, Series 2002-7
                  Chase Credit Card Master Trust, Series 2003-1
                  Chase Credit Card Master Trust, Series 2003-2
                  Chase Credit Card Master Trust, Series 2003-3
                  Chase Credit Card Master Trust, Series 2003-4
                  Chase Credit Card Master Trust, Series 2003-5
                  Chase Credit Card Master Trust, Series 2003-6
                  Chase Credit Card Master Trust, Series 2004-1
                  Chase Credit Card Master Trust, Series 2004-2
                   Chase Mortgage Finance Trust Series 2006-A1
                   Chase Mortgage Finance Trust Series 2006-S1
                   Chase Mortgage Finance Trust Series 2006-S2
                   Chase Mortgage Finance Trust Series 2006-S3
                   Chase Mortgage Finance Trust Series 2006-S4
                          ChaseFlex Trust Series 2006-1
                          ChaseFlex Trust Series 2006-2
                     Citigroup Mortgage Loan Trust 2006-CB3
                           CNH Equipment Trust 2006-A
                           CNH Equipment Trust 2006-B
             CWHEQ Revolving Home Equity Loan Trust, Series 2006- F
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-A
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-B
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-C
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-D
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-E
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-G
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-H
              CWHEQ Revolving Home Equity Loan Trust, Series 2006-I
                        DaimlerChrysler Auto Trust-2006-A
            Ford Credit Floorplan Master Owner Trust A, Series 2006-3
            Ford Credit Floorplan Master Owner Trust A, Series 2006-4
                    GE Equipment Midticket LLC, Series 2006-1
                      GMACM Home Equity Loan Trust 2006-HE1
                      GMACM Home Equity Loan Trust 2006-HE2
                      GMACM Home Equity Loan Trust 2006-HE3
                      GMACM Home Equity Loan Trust 2006-HE4
                      GMACM Home Equity Loan Trust 2006-HE5
                        GMACM Home Loan Trust 2006-HLTV1
                       GMACM Mortgage Loan Trust 2006-AR2
                            GS Auto Loan Trust 2006-1
                          GSAA Home Equity Trust 2006-1
                         GSAA Home Equity Trust 2006-12
                          GSAA Home Equity Trust 2006-3
                          GSAA Home Equity Trust 2006-5
                          GSAA Home Equity Trust 2006-6
                          GSAA Home Equity Trust 2006-9
                         GSR Mortgage Loan Trust 2006-4F
                    Honda Auto Receivables 2006-1 Owner Trust
                     IXIS Real Estate Capital Trust 2006-HE1
                     IXIS Real Estate Capital Trust 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                 J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Trust 2006-ACC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CH1
                 J.P. Morgan Mortgage Acquisition Trust 2006-CH2
                 J.P. Morgan Mortgage Acquisition Trust 2006-CW1
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE2
                 J.P. Morgan Mortgage Acquisition Trust 2006-HE3
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC1
                 J.P. Morgan Mortgage Acquisition Trust 2006-NC2
                 J.P. Morgan Mortgage Acquisition Trust 2006-RM1
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC2
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC3
                J.P. Morgan Mortgage Acquisition Trust 2006-WMC4
                    Nationstar Home Equity Loan Trust 2006-B
                   Newcastle Mortgage Securities Trust 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-1
                 NovaStar Mortgage Funding Trust, Series 2006-2
                 NovaStar Mortgage Funding Trust, Series 2006-3
                NovaStar Mortgage Funding Trust, Series-2006-MTA1
                Origen Manufactured Housing Contract Trust 2006-A
                 Ownit Mortgage Loan Trust, Series 2006-1 Trust
                 Popular ABS Mortgage Pass-Through Trust 2006-A
                 Popular ABS Mortgage Pass-Through Trust 2006-B
                 Popular ABS Mortgage Pass-Through Trust 2006-C
                 Popular ABS Mortgage Pass-Through Trust 2006-D
                 Popular ABS Mortgage Pass-Through Trust 2006-E
                           RAAC Series 2006-SP1 Trust
                           RAAC Series 2006-SP2 Trust
                           RAAC Series 2006-SP3 Trust
                           RAMP Series 2006-RS1 Trust
                           RAMP Series 2006-RS2 Trust
                           RAMP Series 2006-RS3 Trust
                           RAMP Series 2006-RS4 Trust
                           RAMP Series 2006-RS5 Trust
                           RAMP Series 2006-RZ1 Trust
                           RAMP Series 2006-RZ2 Trust
                           RAMP Series 2006-RZ3 Trust
                           RAMP Series 2006-RZ4 Trust
                          RFMSII Series 2006-HSA1 Trust
                      The Home Equity Loan Trust 2006-HSA2
                      The Home Equity Loan Trust 2006-HSA3
                      The Home Equity Loan Trust 2006-HSA4
                      The Home Equity Loan Trust 2006-HSA5
                          The Home Loan Trust 2006-HI1
                          The Home Loan Trust 2006-HI2
                          The Home Loan Trust 2006-HI3
                          The Home Loan Trust 2006-HI4
                          USAA Auto Owner Trust 2006-1
                          USAA Auto Owner Trust 2006-2



<PAGE>
                                  EXHIBIT 33.4
                                ----------------
                 Management's Report on Assessment of Compliance
                       with Applicable Servicing Criteria
          J.P. Morgan Trust Company, National Association, as Custodian


     J.P. Morgan Trust Company,  National Association (the "Asserting Party") is
responsible for assessing compliance as of September 30, 2006 and for the period
from January 1, 2006 through September 30, 2006 (the "Reporting  Period"),  with
the servicing  criteria set forth in Title 17, Section  229.1122 (d) of the Code
of Federal  Regulations  (the  "CFR"),  to the extent  required  by the  related
transaction  agreements  excluding the criteria set forth in 17 CFR  229.1122(d)
(1)(i)-(iv),  (2)(i)-(vii),  (3)(i)-(iv), and (4)(iii)-(xv), which the Asserting
Party has  concluded  are not  applicable  to the  activities  it performs  with
respect to the asset-backed  securitization  transactions covered by this report
such  criteria,  after giving effect to the  exclusions  identified  above,  the
"Applicable Servicing Criteria"). This report covers the asset-backed securities
transactions  backed by residential  mortgages and home equity loans,  for which
transactions  the Asserting  Party acts as Custodian,  that were registered with
the Securities and Exchange  Commission  pursuant to the Securities Act of 1933,
as amended,  where the related  asset-backed  securities  were issued during the
Reporting Period (the "Platform"), as listed in Appendix A.

     The  Asserting  Party  has  (i)  used  the  criteria  set  forth  in 17 CFS
229.1122(d) to assess the compliance by the Asserting  Party with the Applicable
Servicing  Criteria  for the  Reporting  Period  and  (ii)  concluded  that  the
Asserting  Party has complied,  in all material  respects,  with the  Applicable
Servicing  Criteria as of September 30, 2006 and for the  Reporting  Period with
respect to the Platform, taken as a whole.

     PricewaterhouseCoopers  LLP, an independent  registered  public  accounting
firm,  has issued an attestation  report for the Platform,  on our assessment of
compliance with the Applicable  Servicing  Criteria as of September 30, 2006 and
for the Reporting Period as set forth in this report.

J.P. Morgan Trust Company, National Association, as Custodian

/s/ Kelly A. Mathieson, Managing Director
-----------------------------------------
Date:  March 1, 2007


                                   Appendix A
                                 -------------

                      Centex Home Equity Loan Trust 2006-A
              CS Mortgage Pass-Through Series Trust 2006-CF1 Trust
                              GSAMP Trust 2006-HE1
                              GSAMP Trust 2006-HE3
                              GSAMP Trust 2006-HE4
                              GSAMP Trust 2006-HE5
                              GSAMP Trust 2006-S3
                         Home Equity Asset Trust 2006-1
                         Home Equity Asset Trust 2006-3
                         Home Equity Asset Trust 2006-4
                         Home Equity Asset Trust 2006-5
                         Home Equity Asset Trust 2006-6
                    Home Equity Mortgage Trust Series 2006-1
                       Home Equity Mortgage Series 2006-2
                J.P. Morgan Mortgage Acquisition Corp. 2006-ACC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-CW1
                J.P. Morgan Mortgage Acquisition Corp. 2006-CW2
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-HE1
                J.P. Morgan Mortgage Acquisition Corp. 2006-HE2
                J.P. Morgan Mortgage Acquisition Corp. 2006-NC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-NC2
                J.P. Morgan Mortgage Acquisition Corp. 2006-RM1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC3
                J.P. Morgan Mortgage Acquisition Corp. 2006-WF1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC1
                J.P. Morgan Mortgage Acquisition Corp. 2006-WMC2
                   Morgan Stanley Mortgage Loan Trust 2006-11
                  Morgan Stanley Mortgage Loan Trust 2006-1AR
                   Morgan Stanley Mortgage Loan Trust 2006-2
                  Morgan Stanley Mortgage Loan Trust 2006-3AR
                  Morgan Stanley Mortgage Loan Trust 2006-5AR
                  Morgan Stanley Mortgage Loan Trust 2006-6AR
                   Morgan Stanley Mortgage Loan Trust 2006-7R
                  Morgan Stanley Mortgage Loan Trust 2006-8AR
                  Morgan Stanley Mortgage Loan Trust 2006-9AR
                    Nationstar Home Equity Loan Trust 2006-B
                  Opteum Mortgage Acceptance Corp Trust 2006-1
                  Opteum Mortgage Acceptance Corp Trust 2006-2
 Origen Manufactured Housing Contract Trust Collaterialized Notes/Series 2006-A




<PAGE>
                                  EXHIBIT 34.1
                                ----------------
             Report of Independent Registered Public Accounting Firm
                             Nationstar Mortgage LLC



             Report of Independent Registered Public Accounting Firm

Nationstar Mortgage LLC

We  have  examined   management's   assertion,   included  in  the  accompanying
Certification  Regarding  Compliance with Applicable  Servicing  Criteria,  that
Nationstar  Mortgage LLC (the Company) complied with the servicing  criteria set
forth in Item 1122 (d) of the Securities and Exchange Commission's Regulation AB
for the first and second lien  residential  mortgage loans for which the Company
acted as Servicer  other than (a)  transactions  registered  prior to compliance
with Regulation AB and (b) Fannie Mae residential  mortgage loan securitizations
(the  Platform),  except for the instances of material  noncompliance  described
therein,  as of and for the year ended  December  31,  2006,  and except for the
criteria    set    forth   in    Sections    1122(d)(1)(iii),    1122(d)(2)(ii),
1122(d)(3)(i)-(iv),  and 1122(d)(4)(xi)-(xii),  which the Company has determined
are not  applicable  to the  activities  performed  by them with  respect to the
servicing  platform  covered  by this  report.  See  Exhibit  B of  Management's
certification  for the  asset  backed  transactions  covered  by this  platform.
Management is  responsible  for the Company's  compliance  with those  servicing
criteria.  Our responsibility is to express an opinion on management's assertion
about  the  Company's  compliance  with  the  servicing  criteria  based  on our
examination.

Our  examination  was  conducted  in  accordance  with   attestation   standards
established  by the  American  Institute  of Certified  Public  Accountants,  as
adopted by the Public Company  Accounting  Oversight  Board (United States) and,
accordingly,  included examining,  on a test basis, evidence about the Company's
compliance  with the applicable  servicing  criteria and  performing  such other
procedures  as we considered  necessary in the  circumstances.  Our  examination
included  testing of less than all of the individual  asset backed  transactions
and  securities  that  comprise  the  platform,  testing of less than all of the
servicing  activities  related to the  Platform,  and  determining  whether  the
Company  processed  those  selected  transactions  and performed  those selected
activities  in compliance  with the  servicing  criteria and as permitted by the
Interpretation  17.06 of the SEC  Division  of  Corporation  Finance  Manual  of
Publicly   Available   Telephone   Interpretations   ("Interpretation   17.06").
Furthermore,  our  procedures  were  limited to the  selected  transactions  and
servicing  activities performed by the Company during the period covered by this
report.  Our procedures  were not designed to determine  whether errors may have
occurred  either prior to or  subsequent to our tests that may have affected the
balances or amounts  calculated  or  reported  by the Company  during the period
covered by this report for the selected  transactions or any other transactions.
Although  the Company is  responsible  for  assessing  compliance  with  Section
1122(d)(4)(iii) of Regulation AB, there were no servicing  activities  performed
by the  Company  during the year ended  December  31,  2006 that  required  this
servicing  criterion  to be  complied  with.  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 servicing criteria.

As described in management's assertion,  for servicing criterion  1122(d)(2)(i),
the  Company has  engaged a vendor to perform  the  activities  required by this
servicing  criterion.  The  Company  has  determined  that  this  vendor  is not
considered a "servicer"  as defined in Item  1101(j) of  Regulation  AB, and the
Company has elected to take  responsibility  for assessing  compliance  with the
applicable  servicing  criteria  applicable  to  this  vendor  as  permitted  by
Interpretation  17.06.  As permitted by  Interpretation  17.06,  the Company has
asserted  that it has  policies  and  procedures  in place  designed  to provide
reasonable  assurance  that  the  vendor's  activities  comply  in all  material
respects with servicing criteria applicable to the vendor. The Company is solely
responsible  for  determining  that it  meets  the  SEC  requirements  to  apply
Interpretation  17.06 for the vendor and related  criteria as  described  in its
assertion,  and we  performed  no  procedures  with  respect  to  the  Company's
eligibility to apply Interpretation 17.06.

Our examination  disclosed the following  material  noncompliance with servicing
criteria  1122(d)(2)(vii)(B) and 1122(d)(2)(vii)(D)  applicable to the Company's
platform  covered  by this  report  during  the year ended  December  31,  2006.
1122(d)(2)(vii)(B)  - Reconciliations  were not prepared within 30 calendar days
after the bank statement  cutoff date, or such other number of days specified in
the  transaction  agreements.   1122(d)(2)(vii)(D)  -  Reconciliations  included
reconciling   items   greater   than  90   calendar   days  of  their   original
identification,  or such  other  number  of days  specified  in the  transaction
agreements.

The  information  in the  Certification  Regarding  Compliance  with  Applicable
Servicing  Criteria in Items 2 and 3 of Exhibit C (i.e.  remediation  and vendor
non-compliance)  is  presented  by the Company for  information  purposes.  Such
information has not been subjected to the procedures  applied in our examination
of management's  assertion as described above,  and  accordingly,  we express no
opinion on it.

In our opinion,  except for the material  noncompliance  described in the fourth
paragraph,  the Company  complied with the  aforementioned  servicing  criteria,
including servicing  criterion  1122(d)(2)(i) for which compliance is determined
based on  Interpretation  17.06 as described above, as of and for the year ended
December 31, 2006, for the Platform.

                                                /s/ ERNST & YOUNG LLP

March 20, 2007


<PAGE>

             Report of Independent Registered Public Accounting Firm

PricewaterhouseCoopers LLP
10 Tenth Street, Northwest
Suite 1400
Atlanta, GA 30309-3851
Telephone (678) 419 1000
Facsimile (678) 419 1239
www.pwc.com


To the Shareholders and the Board of Directors of
Assurant, Inc.:

We  have  examined   management's   assertion,   included  in  the  accompanying
management's   Report  on  Assessment  of  Compliance  with  1122(d)(2)(vi)  and
1122(d)(4)(xi)  of Regulation  AB Servicing  Criteria,  that  American  Security
Insurance  Company,  Standard  Guaranty  Insurance  Company and Safeco Financial
Institution  Solutions,  Inc.  (affiliates  of Assurant Inc.,  collectively  the
"Asserting  Party")  complied  with the  servicing  criteria  set  forth in Item
1122(d)  of the  Securities  and  Exchange  Commission's  Regulation  AB for all
mortgage  loan-tracking  transactions  for which the Asserting Party served as a
Vendor on behalf of Servicers for such asset-backed securities transactions that
were  registered  after  January  1,  2006  with  the  Securities  and  Exchange
Commission  pursuant  to the  Securities  Act of 1933  (the  "Platform"),  as of
December  31,  2006  and  for  the  year  then  ended,  excluding  (i)  criteria
1122(d)(1)(i)  through  1122(d)(1)(iv),   1122(d)(2)(i)  through  1122(d)(2)(v),
1122(d)(2)(vii),  1122(d)(3)(i)  through  1122(d)(3)(iv),  1122(d)(4)(i) through
1122(d)(4)(x) and 1122(d)(4)(xiii)  through 1122(d)(4)(xv),  which the Asserting
Party has determined  are not applicable to the activities  performed by it with
respect to the Platform and (ii),  criterion  1122(d)(4)(xii),  which relates to
servicing activities that are applicable to the Platform,  but are excluded from
the scope of management's  assertion and are not reported on herein.  Management
is responsible  for the Company's  compliance with the servicing  criteria.  Our
responsibility  is to express an opinion on management's  assertion based on our
examination.

Our examination was concluded in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset-backed transactions and securities that comprise the Platform,  testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

In our opinion,  management's  assertion that the Asserting  Party complied with
the  aforementioned  applicable  servicing criteria as of and for the year ended
December 31, 2006 for the Platform is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP
------------------------------
Atlanta, Georgia
February 23, 2007


<PAGE>

             Report of Independent Registered Public Accounting Firm

PricewaterhouseCoopers LLP
Suite 1800
2001 Ross Ave.
Dallas TX 75201-2997
Telephone (214) 999 1400
Facsimile (214) 754 7991
www.pwc.com


To the Board of Directors of The First American Corporation:

We have  examined  First  American Real Estate  Solutions of Texas,  L.P.'s (the
"Company"  and an  indirect  subsidiary  of  The  First  American  Corporation),
compliance  with  the  servicing  criteria  set  forth  in Item  1122(d)  of the
Securities and Exchange Commission's Regulation AB for all loans for residential
mortgage  loan  outsourcing  customers  for  which  the  Company  served  as the
residential tax service provider (the "Platform")  described in the accompanying
Report on  Assessment  of  Compliance,  as of December 31, 2006 and for the year
then  ended,   excluding   criteria   1122(d)(1)(i)-(iii),   1122(d)(2)(i)-(iv),
1122(d)(3)(i)-(iv),   1122(d)(4)(i)-(x)  and  1122(d)(4)(xiv)-(xv),   which  the
Company has determined are not applicable to the servicing  activities performed
by it with respect to the Platform.  Management is responsible for the Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on the Company's  compliance  with the servicing  criteria  based on our
examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
securities that comprise the Platform,  testing of selected servicing activities
related to the Platform,  and  determining  whether the Company  processed those
selected transactions and performed those selected activities in compliance with
the applicable  servicing criteria.  Our procedures were limited to the selected
transactions and servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to detect noncompliance
arising from errors that may have  occurred  prior to or subsequent to our tests
that may have  affected  the balances or amounts  calculated  or reported by the
Company  during  the  period  covered  by  this  report.  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 servicing
criteria.

Our examination  disclosed the following material instance of noncompliance with
the  servicing  criteria set forth in Item  1122(d)(2)(vii)(B)  of Regulation AB
applicable  to  the  Company  during  year  ended  December  31,  2006.  Account
reconciliations  for all asset-backed  securities related bank accounts were not
prepared  within 30 calendar days after the bank statement  cutoff date, or such
other number of days specified in the transaction agreements as required by Item
1122(d)(2)(vii)(B) of Regulation AB.

In our opinion,  except for the material instance on noncompliance  described in
the preceding  paragraph,  First American Real Estate  Solutions of Texas,  L.P.
complied with the aforementioned applicable servicing criteria as of and for the
year  ended  December  31,  2006 for all loans  for  residential  mortgage  loan
outsourcing  customers  for which the  Company  served  as the  residential  tax
service provider, in all material respects.

/s/ PricewaterhouseCoopers LLP
------------------------------
February 28, 2007


<PAGE>

                                  EXHIBIT 34.2
                                ----------------
             Report of Independent Registered Public Accounting Firm
          The Bank of New York and The Bank of New York Trust Company,
                   as Trustee and Custodian - (Ernst & Young)

ERNST & YOUNG                                      Ernst & Young LLP
                                                   5 Times Square
                                                   New York, New York 10036-6530

                                                   Phone: (212) 773-3000
                                                   www.ey.com


Board of Directors
The Bank of New York

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report  on  Assertion  of  Compliance  with  Applicable  Servicing
Criteria that The Bank of New York and The Bank of New York Trust Company, N.A.,
(collectively, the "Company"), complied with the servicing criteria set forth in
Item 1122(d) of the Securities and Exchange  Commission's  Regulation AB for the
publicly issued (i.e.  transaction-level  reporting initially required under the
Securities  and Exchange Act of 1934,  as amended)  residential  mortgage-backed
securities and other mortgage-related asset-backed securities issued on or after
January 1, 2006 (and like-kind transactions issued prior to January 1, 2006) for
which the Company provides trustee, securities administration,  paying agent, or
custodial  services (the  "Platform")  as of and for the year ended December 31,
2006 except for criteria 1122(d)(1)(ii)-(iv),  and 1122(d)(4)(iv)-(xiii),  which
the Company has determined  are not  applicable to the  activities  performed by
them with respect to the servicing Platform covered by this report. The Platform
includes  like-kind   transactions  for  which  the  Company  provided  trustee,
securities administration, paying agent or custodial services as a result of the
Company's  acquisition as of October 1, 2006 of portions of JPMorgan Chase Bank,
N.A.'s corporate trust business,  including  structured finance agency and trust
transactions.  Management is responsible for the Company's compliance with those
servicing criteria.  Our responsibility is to express an opinion on management's
assertion about the Company's  compliance  with the servicing  criteria based on
our examination.

Our  examination  was  conducted  in  accordance  with   attestation   standards
established  by the  American  Institute  of Certified  Public  Accountants,  as
adopted by the Public Company  Accounting  Oversight  Board (United States) and,
accordingly,  included examining,  on a test basis, evidence about the Company's
compliance  with the applicable  servicing  criteria and  performing  such other
procedures  as we considered  necessary in the  circumstances.  Our  examination
included testing of less than all of the individual  transactions and securities
that comprise the platform, testing of less than all of the servicing activities
related to the Platform,  and  determining  whether the Company  processed those
selected transactions and performed those selected activities in compliance with
the servicing criteria and as permitted by the  Interpretation  17.06 of the SEC
Division  of  Corporation   Finance  Manual  of  Publicly  Available   Telephone
Interpretations  ("Interpretation  17.06").  Furthermore,  our  procedures  were
limited to the selected  transactions and servicing  activities performed by the
Company  during  the period  covered by this  report.  Our  procedures  were not
designed  to  determine  whether  errors may have  occurred  either  prior to or
subsequent  to our  tests  that  may  have  affected  the  balances  or  amounts
calculated or reported by the Company  during the period  covered by this report
for the selected  transactions  or any other  transactions.  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 servicing
criteria.

In our  opinion,  management's  assertion  that the  Company  complied  with the
aforementioned  servicing  criteria,  including  servicing  criteria  for  which
compliance is determined  based on  Interpretation 17.06  as described above, as
applicable,  as of and for the year ended December 31, 2006 for the Platform, is
fairly stated, in all material respects.


                                                /s/ Ernst & Young LLP

March 1, 2007



<PAGE>
                                  EXHIBIT 34.3
                                ----------------
             Report of Independent Registered Public Accounting Firm
                      JPMorgan Chase Bank, N.A., as Trustee

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

             Report of Independent Registered Public Accounting Firm


To the Board of Directors of JPMorgan Chase Bank, National Association

We have examined  JPMorgan Chase Bank,  National  Association's  (the "Company")
compliance  with  the  servicing  criteria  set  forth  in Item  1122(d)  of the
Securities and Exchange Commission's  Regulation AB as of September 30, 2006 and
for the  period  from  January 1, 2006 to  September  30,  2006 (the  "Reporting
Period") for the  asset-backed  securities  transactions  backed by  residential
mortgages, home equity loans, auto loans, credit card receivables,  dealer floor
plans, retail installment contracts and manufactured housing contracts that were
registered  with  the  Securities  and  Exchange   Commission  pursuant  to  the
Securities Act of 1933, as amended,  where the related  asset-backed  securities
were outstanding  during the Reporting Period (the "Platform")  described in the
accompanying  Management's  Report on Assessment of Compliance  with  Applicable
Servicing  Criteria,  excluding criteria  1122(d)(1)(ii)-(iv),  1122(d)(2)(iii),
1122(d)(2)(vi),  1122(d)(4)(i)-(ii), and 1122(d)(4)(iv)-(xiv), which the Company
has determined are not  applicable to the servicing  activities  performed by it
with respect to the Platform.  Appendix A to management's  assertion  identifies
the individual asset-backed transactions and securities defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on the Company's  compliance  with the servicing  criteria  based on our
examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

Our  examination  disclosed  the  following  material   noncompliance  with  the
servicing  criteria  set  forth in Items  1122(d)(3)(i)  and  1122(d)(3)(ii)  of
Regulation AB  applicable to the Company  during the period from January 1, 2006
to September 30, 2006.  Certain monthly  investor  reports  omitted  information
required  by  the  transaction   agreements   and/or  contained  errors  in  the
information  presented  and certain  monthly  investor  distributions  contained
errors as to the amounts due to certain investors.

In our opinion, except for the material noncompliance described in the preceding
paragraph,   JPMorgan  Chase  Bank,  National   Association  complied  with  the
aforementioned  applicable  servicing  criteria  as of and for the period  ended
September 30, 2006 for the Platform, in all material respects.


/s/ PricewaterhouseCoopers LLP
-------------------------------
New York, New York
March 14, 2007



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

             Report of Independent Registered Public Accounting Firm

To the Board of Directors of JPMorgan Chase Bank, National Association

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report on  Assessment  of  Compliance  with  Applicable  Servicing
Criteria,  that  JPMorgan  Chase  Bank,  National  Association  (the  "Company")
complied with the servicing  criteria set forth in Item 1122(d)of the Securities
and  Exchange  Commission's  Regulation  AB as of December  31, 2006 and for the
period from  October 1, 2006 to December 31, 2006 (the  "Reporting  Period") for
the asset-backed securities  transactions backed by residential mortgages,  home
equity loans, auto loans,  credit cards,  dealer floor plans, retail installment
contracts and  manufactured  housing  contacts,  that were  registered  with the
Securities  and Exchange  Commission  pursuant to the Securities Act of 1933, as
amended,  where the related asset-backed  securities were outstanding during the
Reporting  Period  (the  "Platform"),   excluding  criteria  1122(d)(1)(i)-(iv),
1122(d)(2)(i)-(vi), 1122(d)(3)(i)-(iv) and 1122(d)(4)(i)-(xv), which the Company
has determined are not  applicable to the servicing  activities  performed by it
with respect to the Platform.  Appendix A to management's  assertion  identifies
the individual asset-backed transactions and securities defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

In our opinion,  management's  assertion that the JPMorgan Chase Bank,  National
Association complied with the aforementioned applicable servicing criteria as of
and for the period ended December 31, 2006 for the Platform is fairly stated, in
all material respects.


/s/ PricewaterhouseCoopers LLP
-------------------------------
New York, New York
March 12, 2007


<PAGE>

                                  EXHIBIT 34.4
                                ----------------
             Report of Independent Registered Public Accounting Firm
          J.P. Morgan Trust Company, National Association, as Custodian

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


To the Board of Directors of J.P. Morgan Trust Company, National Association:

We  have  examined   management's   assertion,   included  in  the  accompanying
Management's  Report on  Assessment  of  Compliance  with  Applicable  Servicing
Criteria, that J. P. Morgan Trust Company,  National Association (the "Company")
complied with the servicing  criteria set forth in Item 1122(d)of the Securities
and Exchange Commission's Regulation AB for asset-backed securities transactions
backed by  residential  mortgages and home equity  loans,  for which the Company
acts as Custodian (the "Platform"),  as of September 30, 2006 and for the period
from   January   1,   2006   to   September   30,   2006   excluding    criteria
1122(d)(1)(i)-(iv),  (2)(i)-(iv),  (3)(i)-(iv),  and  (4)(iii)-(xv),  which  the
Company has determined are not applicable to the activities performed by it with
respect to the Platform. Appendix A to the management's assertion identifies the
individual  asset-backed  transactions  and securities  defined by management as
constituting   the  Platform.   Management  is  responsible  for  the  Company's
compliance  with the servicing  criteria.  Our  responsibility  is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with standards of the Public Company
Accounting Oversight Board (United States) and, accordingly, included examining,
on a test basis,  evidence  about the Company's  compliance  with the applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset- backed transactions and securities that comprise the Platform, testing of
selected servicing  activities related to the Platform,  and determining whether
the Company  processed those selected  transactions and performed those selected
activities in compliance with the applicable servicing criteria.  Our procedures
were limited to the selected  transactions and servicing activities performed by
the Company  during the period covered by this report.  Our procedures  were not
designed to detect  noncompliance  arising  from  errors that may have  occurred
prior to or  subsequent  to our tests that may have  affected  the  balances  or
amounts  calculated or reported by the Company during the period covered by this
report.  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 servicing criteria.

In our  opinion,  management's  assertion  that the  Company  complied  with the
aforementioned  applicable  servicing  criteria  as of and  for the  year  ended
September 30, 2006 for the Platform is fairly stated, in all material respects.


/s/ PricewaterhouseCoopers LLP
------------------------------
March 1, 2007


<PAGE>

                                  EXHIBIT 35.1
                                ----------------

                          SERVICER COMPLIANCE STATEMENT
                            SEC.1123 of REGULATION AB

     I, Jay Bray,  Executive  Vice  President of Nationstar  Mortgage LLC (f/k/a
Centex Home Equity Company, LLC) ("Nationstar"), hereby certify that:

(1)  Based on my knowledge,  Nationstar  has  fulfilled  all of its  obligations
     under the  respective  Pooling and  Servicing  Agreements  in all  material
     respects throughout the reporting period, except as described in Item 1122,
     Certification Regarding Compliance with Applicable Servicing Criteria;

(2)  I am responsible  for reviewing the  activities  performed by Nationstar as
     servicer under the respective Pooling and Servicing  Agreements,  and based
     on my knowledge and the compliance review conducted in preparing the Report
     on  Assessment  of  Compliance  and  except as  disclosed  in the Report on
     Assessment  of  Compliance  and  the  Attestation  Report,  Nationstar  has
     fulfilled  its  obligations  under the  respective  Pooling  and  Servicing
     Agreements in all material respects.


  Nationstar Mortgage LLC

  By:   /s/ Jay Bray
        ------------------------------------------------------
  Name:  Jay Bray
  Title: Executive Vice President and Chief Financial Officer


  Date:  March 20, 2007