Exhibit 99.1


          [LOGO](SM)
Saxon Mortgage Services, Inc.(SM)


RE: Officer's Certificate 2005 Annual Reporting

IXIS REAL ESTATE CAPITAL TRUST 2005-HE4


The undersigned Officer certifies the following for the preceding calendar year:

(A)   I have reviewed the activities and performance of the Servicer during the
      preceding calendar year under the terms of the Servicing Agreement, Trust
      Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
      and to the best of this Officers' knowledge, the Servicer has fulfilled
      all of its duties, responsibilities or obligations under these Agreements
      throughout such year, or if there has been a default or failure, the
      nature and status thereof has been reported as reflected on the attached
      Exhibit "A".

(B)   I have confirmed that the Servicer is currently an approved FNMA or FHLMC
      servicer in good standing;

(C)   I have confirmed that the Fidelity Bond, the Errors and Omissions
      Insurance Policy and any other bonds required under the terms of the
      Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
      and/or Seller/Servicer Guide are in full force and effect;

(D)   All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
      applicable) and Primary Mortgage Insurance Policy (if applicable), with
      respect to each Mortgaged Property, have been paid and that all such
      insurance policies are in full force and effect;

(E)   All real estate taxes, governmental assessments and any other expenses
      accrued and due, that if not paid could result in a lien or encumbrance on
      any Mortgaged Property, have been paid, or if any such costs or expenses
      have not been paid with respect to any Mortgaged Property, the reason for
      the non-payment has been reported.

(F)   All Custodial Accounts have been reconciled and are properly funded; and

(G)   All annual reports of Foreclosure and Abandonment of Mortgage Property
      required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
      respectively, have been prepared and filed.

Certified By:

/s/ Lynnette Anderson
---------------------
Officer: Lynnette Anderson

Title: Senior Vice President, Financial Operations

3/31/06
-------
Date


We are a debt collector. Any information obtained will be used for that purpose.
--------------------------------------------------------------------------------
          4708 Mercantile Drive North  o  Fort Worth, TX 76137-3605
                  P.O. Box 161489 o Fort Worth, TX 76161-1489
                       (817) 665-7200 o Fax (817) 665-7400
<PAGE>

          [LOGO](SM)
Saxon Mortgage Services, Inc.(SM)


                              2005 Annual Reporting

                                    Exhibit A


No Defaults Reported






We are a debt collector. Any information obtained will be used for that purpose.
--------------------------------------------------------------------------------
          4708 Mercantile Drive North  o  Fort Worth, TX 76137-3605
                  P.O. Box 161489 o Fort Worth, TX 76161-1489
                       (817) 665-7200 o Fax (817) 665-7400