UNITED STATES
                             SECURITIES AND EXCHANGE COMMISSION
                                   WASHINGTON, D.C. 20549



                                          FORM 10-K


  (Mark one)

  /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the fiscal year ended December 31, 2004

      OR



  / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934


      Commission File Number:  333-111379-28


        Harborview Mortgage Loan Trust
        Mortgage Loan Pass-Through Certificates
        Series 2004-7

     (Exact name of registrant as specified in its charter)


   Delaware                                         54-2163841
  (State or other jurisdiction of                   54-2162592
  incorporation or organization)                    54-2162591
                                                    54-6643075
                                                    (I.R.S. Employer
                                                    Identification No.)


   c/o Wells Fargo Bank, N.A.
   9062 Old Annapolis Road
   Columbia, MD                                21045
  (Address of principal executive offices)     (Zip Code)


  Registrant's telephone number, including area code: (410) 884-2000


  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 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.

        Not applicable.


  Indicate by check mark whether the registrant is an accelerated filer
  (as defined in Exchange Act Rule 12b-2).

        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 or 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 December 24, 1980).

        Not applicable.


                                   PART I

  Item 1.  Business.

            Omitted.

  Item 2.  Properties.

            See Item 15(a), Exhibits 99.1, 99.2, and 99.3, for information
            provided in lieu of information required by Item 102 of
            Regulation S-K.


  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Pooling and Servicing
            Agreement (the Trust), the Trustee, the Servicer or the
            registrant with respect to the Trust other than routine
            litigation incidental to the duties of the respective parties.


  Item 4.  Submission of Matters to a Vote of Security Holders.

            None.


                                PART II

  Item 5.  Market for registrant's Common Equity and Related Stockholder
           Matters and Issuer Purchases of Equity Securities.

            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2004, the total number of holders
            of record for the Series of Certificates is 19.


  Item 6.  Selected Financial Data.

            Omitted.


  Item 7.  Management's Discussion and Analysis of Financial Condition and
           Results of Operation.

            Omitted.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.


  Item 8.  Financial Statements and Supplementary Data.

            See Item 15(a), Exhibits 99.1, 99.2, 99.3, for information
            provided in lieu of information required by Item 302 of
            Regulation S-K.


  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.

            None.


                                PART III

  Item 10. Directors and Executive Officers of the Registrant.

            Not applicable.


  Item 11. Executive Compensation.

            Not applicable.


  Item 12. Security Ownership of Certain Beneficial Owners and Management.

            Not applicable.

  Item 13. Certain Relationships and Related Transactions.

            Not applicable.


  Item 14. Principal Accounting Fees and Services.

            Not applicable.


                                PART IV

  Item 15. Exhibits, Financial Statement Schedules.

   (a) Exhibits

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

     (99.1) Annual Independent Accountants' Servicing Reports concerning
            servicing activities.

      <TABLE>

      
         <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Dovenmuehle Mtg Co, as Sub-Servicer for Mellon Trust of New Egland, NA <F1>
      c) Downey Savings, as Servicer <F1>
      d) GMAC Mortgage Corp, as Servicer <F1>
      e) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      f) Indymac Bank, F.S.B., as Servicer <F1>

      </TABLE>

     (99.2) Report of Management as to Compliance with Minimum Servicing
            Standards.

      <TABLE>

      
        <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Dovenmuehle Mtg Co, as Sub-Servicer for Mellon Trust of New Egland, NA <F1>
      c) Downey Savings, as Servicer <F1>
      d) GMAC Mortgage Corp, as Servicer <F1>
      e) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      f) Indymac Bank, F.S.B., as Servicer <F1>

      </TABLE>

     (99.3) Annual Statements of Compliance under the Pooling and Servicing
            Agreements.

      <TABLE>

      
         <c>
      a) Countrywide Home Loans Inc., as Servicer <F1>
      b) Downey Savings, as Servicer <F1>
      c) GMAC Mortgage Corp, as Servicer <F1>
      d) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      e) Indymac Bank, F.S.B., as Servicer <F1>
      f) Mellon Trust of New Egland, NA, as Servicer <F1>

      </TABLE>


     (99.4) Aggregate Statement of Principal and Interest Distributions to
            Certificate Holders.


   (b) Not applicable.

   (c) Omitted.


  <F1> Filed herewith.


                                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:



    Harborview Mortgage Loan Trust
    Mortgage Loan Pass-Through Certificates
    Series 2004-7
    (Registrant)


  Signed: Wells Fargo Bank, N.A. as Master Servicer

  By:     Michael Watchke, Vice President

  By: /s/ Michael Watchke, Vice President

  Dated:  March 30, 2005


  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.


  (a)(i) No annual report is provided to the Certificateholders other than
  with respect to aggregate principal and interest distributions.


  (a)(ii) No proxy statement, form of proxy or other proxy soliciting
  material has been sent to any Certificateholder with respect to any
  annual or other meeting of Certificateholders.



  Exhibit Index

  Exhibit No.

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

  I, Michael Watchke, certify that:

  1. I have reviewed this annual report on Form 10-K, and all reports on
     Form 8-K containing distribution or servicing reports filed in
     respect of periods included in the year covered by this annual report
     of Harborview Mortgage Loan Trust Mortgage Loan Pass-Through
     Certificates, Series 2004-7 Trust;

  2. Based on my knowledge, the information in these reports, taken as a
     whole, does not contain any untrue statement of a material fact or
     omit to state a material fact necessary to make the statements made,
     in light of the circumstances under which such statements were made,
     not misleading as of the last day of the period covered by this
     annual report;

  3. Based on my knowledge, the distribution or servicing information
     required to be provided to the Trustee by the Servicer under the
     Pooling and Servicing or similar, agreement, for inclusion in these
     reports is included in these reports;

  4. I am responsible for reviewing the activities performed by the master
     servicer under the pooling and servicing, or similar, agreement, and
     based on upon my knowledge and the annual compliance review required
     under that agreement, and except as disclosed in the reports, the
     master servicer has fulfilled its obligations under that agreement;
     and

  5. The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards based upon
     the report provided by an independent public accountant, after
     conducting a review in compliance with the Uniform Single Attestation
     Program for Mortgage Bankers or similar procedure, as set forth in
     the pooling and servicing, or similar, agreement, that is included in
     these reports.

     In giving the certifications above, I have reasonably relied on
     information provided to me by the following unaffiliated parties:
     Countrywide Home Loans Inc. as Servicer, Dovenmuehle Mtg Co as
     Sub-Servicer, Downey Savings as Servicer, GMAC Mortgage Corp as
     Servicer, Greenpoint Mortgage Funding, Inc. as Servicer, Indymac Bank
     F.S.B. as Servicer, Mellon Trust of New Egland, NA as Named
     Servicer.

     Date:  March 30, 2005

     /s/ Michael Watchke
     Signature

     Vice President
     Title


  EX-99.1 (a)
(logo) KPMG

KPMG LLP
Suite 2000
355 South Grand Avenue
Los Angeles, CA 90071-1568





Independent Accountants' Report




The Board of Directors
Countrywide Financial Corporation:



We have examined the accompanying management's assertion, that Countrywide
Financial Corporation and subsidiaries, including its wholly-owned subsidiary
Countrywide Home Loans, Inc. (CHL) and Countrywide Home Loans Servicing, L.P., a
wholly-owned subsidiary of CHL, (collectively, the Company) complied with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as of
and for the year ended December 31, 2004. Management is responsible for the
Company's compliance with those minimum servicing standards. Our responsibility
is to express an opinion on management's assertion about the Company's
compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about the Company's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances. 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 minimum servicing standards.

In our opinion, management's assertion that Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary Countrywide Home Loans,
Inc. (CHL) and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary
of CHL, complied with the aforementioned minimum servicing standards as of and
for the year ended December 31, 2004 is fairly stated, in all material respects.

/s/ KPMG LLP

March 17, 2005





KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (b)
(logo) ERNST & YOUNG


Ernst & Young LLP
Sears Tower
233 South Wacker Drive
Chicago, Illinois 60606-6301

Phone: (312) 879-2000
www.ey.com


Report on Management's Assertion on Compliance
with the Specified Minimum Servicing Standards Set Forth in the
Uniform Single Attestation Program for Mortgage Bankers


Report of Independent Accountants


Board of Directors
Dovenmuehle Mortgage, Inc.


We have examined management's assertion, included in the accompanying report
titled Report of Management, that except for the minimum-servicing
standard for servicer advances that does not apply, Dovenmuehle Mortgage,
Inc.(DMI) complied with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP) during the year ended December. 31,
2004. Management is responsible for DMI's compliance with those
requirements. Our responsibility is to express an opinion on management's
assertions about DMI's compliance based on our examination.

Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about DMI's compliance with
those requirements and performing such other procedures as we considered
necessary in the circumstances. We believe that our examination provides a
reasonable basis for our opinion. Our examination does not provide a legal
determination on DMI's compliance with specified requirements.

In our opinion, management's assertion, that except for the minimum servicing
standard for servicer advances that does not apply, DMI complied with the
aforementioned requirements during the year ended December 31, 2004, is
fairly stated, in all material respects.

/s/ Ernst & Young LLP


March 10, 2005



A Member Practice of Ernst & Young Global





  EX-99.1 (c)
(logo) KPMG

KPMG LLP
Suite 2000
355 South Grand Avenue
Los Angeles, CA 90071-1568



Independent Accountants' Report


The Board of Directors
Downey Financial Corp.:

We have examined management's assertion, included in the accompanying
Management's Report on Compliance with Minimum Servicing Standards, that Downey
Financial Corp. and subsidiaries (Downey) complied with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers as of and for the year ended
December 31, 2004. Management is responsible for Downey's compliance with those
minimum servicing standards. Our responsibility is to express an opinion on
management's assertion about Downey's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about Downey's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on Downey's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Downey complied with the
aforementioned minimum servicing standards during the year ended December 31,
2004 is fairly stated, in all material respects.

/s/ KPMG LLP


March 1, 2005





  EX-99.1 (d)
(logo) PRICEWATERHOUSECOOPERS


PricewaterhouseCoopers LLP
125 High Street
Boston, MA 02110-1707
Telephone (617) 530 5000
Facsimile (617) 530 5001
www.pwc.com



Report of Independent Auditors


To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:


We have examined management's assertion about GMAC Mortgage Corporation
and its subsidiaries' (the "Company") compliance with the minimum
servicing standards ("standards") identified in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for Mortgage
Bankers ("USAP") as of and for the year ended December 31, 2004 included
in the accompanying management assertion (see Exhibit I). Management is
responsible for the Company's compliance with those minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about the entity's compliance based on our examination.


Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's
compliance with the standards and performing such other procedures as we
considered necessary in the circumstances. 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
standards.


Our examination identified certain instances of non compliance with USAP
as it relates to Section I - Custodial Bank Accounts. Specifically, there
were bank accounts over the course of several months where the Company was
not in full compliance with USAP requirements as it related to the
preparation of custodial bank reconciliations within 45 calendar days of
cutoff as well as the resolution of reconciling items within 90 calendar
days of original identification. The Company remediated the issues related
to the preparation of custodial bank accounts reconciliations within 45
calendar days as of December 31, 2004. These instances of non compliance
as well as management's remediation status are more fully described in
management's assertion, which is set forth in Exhibit 1.



In our opinion, management's assertion that the Company complied with the
aforementioned standards except for the instances of non compliance related
to Section I - Custodial Bank Accounts as of and for the year ended
December 31, 2004 is fairly stated, in all material respects.

/s/ PricewaterhouseCoopers LLP


March 18, 2005





  EX-99.1 (e)
(logo) KPMG

KPMG LLP
55 Second Street
San Francisco, CA 94105



Independent Accountants' Report


The Board of Directors
North Fork Bancorporation, Inc.:


We have examined management's assertion, included in the accompanying Management
Assertion, that GreenPoint Mortgage Funding, Inc., a wholly owned subsidiary of
North Fork Bancorporation, Inc., complied with the minimum servicing standards
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) as of and for the year ended
December 31, 2004. Management is responsible for GreenPoint Mortgage Funding,
Inc.'s compliance with those minimum servicing standards. Our responsibility is
to express an opinion on management's assertion about the Company's compliance
based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about GreenPoint
Mortgage Funding, Inc.'s compliance with the minimum servicing standards
specified above and performing such other procedures as we considered necessary
in the circumstances. We believe that our examination provides a reasonable
basis for our opinion. Our examination does not provide a legal determination
on GreenPoint Mortgage Funding, Inc.'s compliance with the minimum servicing
standards.

Management identified the following material noncompliance with minimum
servicing standards over mortgage payments as of and for the year ended
December 31, 2004. The mortgage interest rate changes on certain Home Equity
Lines of Credit were not adjusted at the appropriate date in accordance with
the mortgagor's loan documents. This resulted in the mortgagor being
overcharged for the period from the interest rate change until the correct
effective date, which was the first day of the following month.

In our opinion, except for the material noncompliance described in the third
paragraph, management's assertion that GreenPoint Mortgage Funding, Inc.
complied with the aforementioned minimum servicing standards as of and for the
year ended December 31, 2004 is fairly stated, in all material respects.


/s/ KPMG LLP


March 17, 2005



KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (f)
(logo) ERNST & YOUNG

Ernst & Young LLP
725 South Figueroa Street
Los Angeles, California 90017

Phone: (213) 977-3200
www.ey.com

Report on Management's Assertion on
Compliance with the Specified Minimum Servicing Standards Set Forth in the
Uniform Single Attestation Program for Mortgage Bankers


Report of Independent Registered Public Accounting Firm




Board of Directors and Shareholder
IndyMac Bank, F.S.B.


We have examined management's assertion, included in the accompanying
report titled Report of Management, that IndyMac Bank, F.S.B. (the Bank)
complied with the servicing standards identified in Exhibit A (the
"specified minimum servicing standards") to the Report of Management as
set forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP) during the year ended
December 31, 2004. Management is responsible for the Bank's compliance
with these specified minimum servicing standards. Our responsibility is
to express an opinion on management's assertion about the Bank's
compliance based on our examination.


Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Bank's compliance
with the specified minimum servicing standards and performing such other
procedures as we considered necessary in the circumstances. We believe
that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Bank's
compliance with the specified minimum servicing standards.


In our opinion, management's assertion that the Bank complied with the
aforementioned specified minimum servicing standards during the year
ended December 31, 2004, is fairly stated, in all material respects.





/s/Ernst & Young LLP



February 23, 2005


















A Member Practice of Ernst & Young Global





  EX-99.2 (a)
(logo) Countrywide
HOME LOANS

2900 MADERA ROAD
SUN VALLEY, CALIFORNIA 93065-6298
(805) 955-1000


Management's Assertion


March 17, 2005

As of and for the year ended December 31, 2004, Countrywide Financial
Corporation and Subsidiaries (which includes its wholly-owned subsidiary,
Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing,
L.P., a wholly owned subsidiary of CHL) ("the Company") has complied in all
material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation for
Mortgage Bankers. As of and for this same period, the Company had in effect a
fidelity bond and errors and omissions policy in the amount of $200 million and
$100 million, respectively.




/s/ Thomas K. McLaughlin
Thomas K. McLaughlin
Executive Managing Director and
Chief Financial Officer



/s/ Kevin Meyers
Kevin Meyers
Managing Director, Chief Financial Officer
Loan Administration





  EX-99.2 (b)
(logo) SINCE 1844


Management's Assertion on Compliance
with the Specified Minimum Servicing Standards Set Forth
in the Uniform Single Attestation: Program for Mortgage Bankers

Report of Management

We, as members of management of Dovenmuehle Mortgage, Inc. (DMI), are
responsible for complying with the servicing standards identified in the
attached Exhibit A (the "specified minimum servicing standards") as set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers (USAP). We are also responsible
for establishing and maintaining effective internal control over compliance
with these specified minimum servicing standards. We have performed an
evaluation of the DMl's compliance with the specified minimum servicing
standards as of December 31, 2004 and for the year then ended. Based on
this evaluation, we assert that during the year ended December 31, 2004,
DMI complied, in all material respects, with the specified minimum
servicing standards, except for the minimum servicing standard item I (2),
because DMI is not normally obligated to advance funds in cases where there
is an overdraft in an investor's or a mortgagor's account. This is normally
the obligation of the master servicer.

As of December 31, 2004 and for the year then ended, DMI had in effect a
fidelity bond and an errors and omissions policy in the amount of
$32,500,000.


/s/ William A. Mynatt, Jr.
William A. Mynatt, Jr.
President


/s/ Glen Braun
Glen Braun
Vice President, Accounting


March 10, 2005



Dovenmuehle Mortgage, Inc. 1501 Woodfield Road Schaumburg, Illinois 60173-4982
(847) 619-5535




Exhibit A

Specified Minimum Servicing Standards

  I. Custodial Bank Accounts

     1. Reconciliations shall be prepared on a monthly basis for all custodial
        bank accounts and related bank clearing accounts. These reconciliations
        shall:

        a. be mathematically accurate;

        b. be prepared within forty-five (45) calendar days after the cutoff
           date. The cutoff date is the date as of which a bank account is
           reconciled every month. It may, or may not, coincide with a
           prescribed investor reporting date but shall be consistent from
           period to period;

        c. be reviewed and approved by someone other than the person who
           prepared the reconciliation; and

        d. document explanations for reconciling items. These reconciling items
           shall be resolved within ninety (90) calendar days of their original
           identification.

     2. Funds of the servicing entity shall be advanced in cases where there is
        an overdraft in an investor's or a mortgagor's account.

     3. Each custodial account shall be maintained at a federally insured
        depository institution in trust for the applicable investor.

     4. Escrow funds held in trust for a mortgagor shall be returned to the
        mortgagor within thirty (30) calendar days of payoff of the mortgage
        loan.

 II. Mortgage Payments

     1. Mortgage payments shall be deposited into the custodial bank accounts
        and related bank clearing accounts within two (2) business days of
        receipt.

     2. Mortgage payments made in accordance with the mortgagor's loan documents
        shall be posted to the applicable mortgagor records within two (2)
        business days of receipt.

     3. Mortgage payments shall be allocated to principal, interest, insurance,
        taxes or other escrow items in accordance with the mortgagor's loan
        documents.

     4. Mortgage payments identified as loan payoffs shall be allocated in
        accordance with the mortgagor's loan documents.


III. Disbursements

     1. Disbursements made via wire transfer on behalf of a mortgagor or
        investor shall be made only by authorized personnel.
     2. Disbursements made on behalf of a mortgagor or investor shall be posted
        within two (2) business days to the mortgagor's or investor's records
        maintained by the servicing entity.

     3. Tax and insurance payments shall be made on or before the penalty or
        insurance policy expiration dates, as indicated on tax bills and
        insurance premium notices, respectively, provided that such support has
        been received by the servicing entity at least thirty (30) calendar days
        prior to these dates.

     4. Any late payment penalties paid in conjunction with the payment of any
        tax bill or insurance premium notice shall be paid from the servicing
        entity's funds and not charged to the mortgagor, unless the late payment
        was due to the mortgagor's error or omission.

     5. Amounts remitted to investors per the servicer's investor reports shall
        agree with cancelled checks, or other form of payment, or custodial bank
        statements.

     6. Unissued checks shall be safeguarded so as to prevent unauthorized
        access.

 IV. Investor Accounting and Reporting

     1. The servicing entity's investor reports shall agree with, or reconcile
        to, investors' records on a monthly basis as to the total unpaid
        principal balance and number of loans serviced by the servicing entity.

  V. Mortgagor Loan Accounting

     1. The servicing entity's mortgage loan records shall agree with, or
        reconcile to, the records of mortgagors with respect to the unpaid
        principal balance on a monthly basis.

     2. Adjustments on adjustable rate mortgage (ARM) loans shall be computed
        based on the related mortgage note and any ARM rider.

     3. Escrow accounts shall be analyzed, in accordance with the mortgagor's
        loan documents, on at least an annual basis.


  V. Mortgagor Loan Accounting (continued)

     4. Interest on escrow accounts shall be paid, or credited, to mortgagors in
        accordance with the applicable state laws.

 VI. Delinquencies
     1. Records documenting collection efforts shall be maintained during the
        period a loan is in default and shall be undated at least monthly. Such
        records shall describe the entity's activities in monitoring delinquent
        loans including, for example, phone calls, letters and mortgage payment
        rescheduling plans in cases where the delinquency is deemed temporary
        (i.e., illness or unemployment).

VII. Insurance Policies

     1. A fidelity bond and errors and omissions policy shall be in effect on
        the servicing entity throughout the reporting period in the amount of
        coverage represented to investors in management's assertion.





  EX-99.2 (c)
(logo) DOWNEY SAVINGS
downeysavings.com

Management Assertion


As of and for the year ended December 31, 2004, Downey Savings and Loan
Association, F.A. has complied in all material respects with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers. As of and for this same
period, Downey Savings and Loan Association, F.A. had in effect a fidelity bond
and errors and omissions policy in the amount of $30,000,000 and $5,000,000
respectively.


/s/ John Gatzke
John Gatzke, Executive Vice President

/s/ 3/11/05
Date



Downey Savings and Loan Association, F.A.
P.O. Box 6060 * Newport Beach, California 92658-6060 * (949) 854-3100
Express Mail Delivery: 3501 Jamboree Road * Newport Beach, California 92660-2980


(logo) FDIC Insured





  EX-99.2 (d)
(logo) GMAC Mortgage

Exhibit 1


Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards


March 18, 2005

As of and for the year ended December 31, 2004, GMAC Mortgage Corporation
and its subsidiaries (the "Company") have complied in all material
respects with the minimum servicing standards (the "Standards") set forth
in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP" except as follows:
Section I - Custodial Bank Accounts requires that reconciliations be
prepared on a monthly basis for all custodial bank accounts and related
bank clearing accounts. These reconciliations shall be prepared within
forty-five (45) calendar days after the cutoff date and reconciling items
resolved within ninety (90) calendar days of their original
identification.


Subsequent to the Company's servicing platform conversion that took place
in January of 2004, and as a result of temporary reporting challenges
resulting from this conversion, there were bank accounts over the course
of several months where the Company was not in full compliance with USAP
requirements as it related to the preparation of custodial bank
reconciliations within 45 calendar days of cutoff as well as the
resolution of reconciling items within 90 calendar days of original
identification.


The Company remediated the issues related to the preparation of custodial
bank accounts reconciliations within 45 calendar days as of December 31,
2004. The Company has subsequently, in 2005, remediated the resolution of
reconciling items within 90 calendar days of original identification.


As of and for this same period, the Company had in effect fidelity bond
and errors and omissions policies in the amounts of $300,000,000 and
$100,000,000, respectively.


GMAC Mortgage
Finance Department
4 Walnut Grove Drive
Horsham, PA 19044


/s/ David Applegate
David Applegate
Chief Executive Officer
GMAC Residential Holding Corp



/s/ Ralph Hall
Ralph Hall
Chief Operating Officer
GMAC Residential Holding Corp


/s/ Tony Renzi
Tony Renzi
Executive Vice President,
National Servicing Administration
GMAC Residential Holding Corp


/s/ Jim Hillsman
Jim Hillsman
Chief Financial Officer
GMAC Residential Holding Corp





  EX-99.2 (e)
PO Box 84013
Columbus, GA 31908-4013

(logo) GreenPoint Mortgage

Servicing Division

Management Assertion

March 17, 2005


As of and for the year ended December 31, 2004, GreenPoint Mortgage Funding,
Inc. (the "Company") has complied in all material respects with the minimum
servicing standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers, except for the
following:

  * In certain circumstances, the mortgage interest rate changes on certain Home
    Equity Lines of Credit were not adjusted at the appropriate date in
    accordance with the mortgagor's loan documents. This resulted in the
    mortgagor being overcharged for the period from the interest rate change
    until the correct effective date, which was the first day of the following
    month. This error was identified by Management and the systemic issue that
    caused the incorrect calculation of interest was resolved prior to the
    issuance of this letter.

As of and for the year ended December 31, 2004, the Company had in effect a
fidelity bond in the amount of $25,000,000 for a single loss limit and an
aggregate limit of liability of $50,000,000 and an errors and omissions policy
in the amount of $25,000,000 for a single loss limit and no aggregate limit of
liability.

Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer



/s/ S.A. Ibrahim
S.A Ibrahim
Chief Executive Officer


/s/ Mike De Francesco
Mike De Francesco
Senior Vice President - Loan Administration


/s/ David Petrini
Dave Petrini
Chief Financial Officer





  EX-99.2 (f)
(logo) IndyMac Bank


Management's Assertion on Compliance
with the Specified Minimum Servicing Standards Set Forth
in the Uniform Single Attestation Program for Mortgage Bankers


Report of Management

We, as members of management of IndyMac Bank, F.S.B. (the Bank), are responsible
for complying with the servicing standards identified in the attached Exhibit A
(the "specified minimum servicing standards") as set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for Mortgage
Bankers (USAP). We are also responsible for establishing and maintaining
effective internal control over compliance with these specified minimum
servicing standards. We have performed an evaluation of the Bank's compliance
with the specified minimum servicing standards as of December 31, 2004 and for
the year then ended. Based on this evaluation, we assert that during the year
ended December 31, 2004, the Bank complied, in all material respects, with the
specified minimum servicing standards.


As of December 31, 2004 and for the year then ended, the Bank had in effect a
fidelity bond in the amount of $50,000,000 and an errors and omissions policy in
the amount of $20,000,000.



/s/ Michael W. Perry                 /s/ Tony Ebers
Michael W. Perry                     Tony Ebers
Chairman and                         Executive Vice President
Chief Executive 0fficer              Home Loan Servicing


/s/ Scott Keys                       /s/ Jeff Lankey
Scott Keys                           Jeff Lankey
Executive Vice President and         Senior Vice President and
Chief Financial Officer              Chief Accounting Officer


February 23, 2005


155 North Lake Avenue
Pasadena, California 91101
Telephone: 626.535.5555
www.indymacbank.com




Exhibit A

Specified Minimum Servicing Standards


I.   Custodial Bank Accounts

     1. Reconciliations shall be prepared on a monthly basis for all custodial
        bank accounts and related bank clearing accounts. These reconciliations
        shall:

        a. be mathematically accurate;

        b. be prepared within forty-five (45) calendar days after the cutoff
           date. The cutoff date is the date as of which a bank account is
           reconciled every month. It may, or may not, coincide with a
           prescribed investor reporting date but shall be consistent from
           period to period;

        c. be reviewed and approved by someone other than the person who
           prepared the reconciliation; and

        d. document explanations for reconciling items. These reconciling items
           shall be resolved within ninety (90) calendar days of their original
           identification.

     2. Funds of the servicing entity shall be advanced in cases where there is
        an overdraft in an investor's or a mortgagor's account.

     3. Each custodial account shall be maintained at a federally insured
        depository institution in trust for the applicable investor.

     4. Escrow funds held in trust for a mortgagor shall be returned to the
        mortgagor within thirty (30) calendar days of payoff of the mortgage
        loan.

II.  Mortgage Payments

     1. Mortgage payments shall be deposited into the custodial bank accounts
        and related bank clearing accounts within two (2) business days of
        receipt.

     2. Mortgage payments made in accordance with the mortgagor's loan documents
        shall be posted to the applicable mortgagor records within two (2)
        business days of receipt.

     3. Mortgage payments shall be allocated to principal, interest, insurance,
        taxes or other escrow items in accordance with the mortgagor's loan
        documents.

     4. Mortgage payments identified as loan payoffs shall be allocated in
        accordance with the mortgagor's loan documents.

III. Disbursements

     1. Disbursements made via wire transfer on behalf of a mortgagor or
        investor shall be made only by authorized personnel.

     2. Disbursements made on behalf of a mortgagor or investor shall be posted
        within two (2) business days to the mortgagor's or investor's records
        maintained by the servicing entity.

     3. Tax and insurance payments shall be made on or before the penalty or
        insurance policy expiration dates, as indicated on tax bills and
        insurance premium notices, respectively, provided that such support has
        been received by the servicing entity at least thirty (30) calendar days
        prior to these dates.

     4. Any late payment penalties paid in conjunction with the payment of any
        tax bill or insurance premium notice shall be paid from the servicing
        entity's funds and not charged to the mortgagor, unless the late payment
        was due to the mortgagor's error or omission.

     5. Amounts remitted to investors per the servicer's investor reports shall
        agree with cancelled checks, or other form of payment, or custodial
        bank statements.

     6. Unissued checks shall be safeguarded so as to prevent unauthorized
        access.

IV.  Investor Accounting and Reporting

     1. The servicing entity's investor reports shall agree with, or reconcile
        to, investors' records on a monthly basis as to the total unpaid
        principal balance and number of loans serviced by the servicing entity.

V.   Mortgagor Loan Accounting

     1. The servicing entity's mortgage loan records shall agree with, or
        reconcile to, the records of mortgagors with respect to the unpaid
        principal balance on a monthly basis.

     2. Adjustments on adjustable rate mortgage (ARM) loans shall be computed
        based on the related mortgage note and any ARM rider.

     3. Escrow accounts shall be analyzed, in accordance with the mortgagor's
        loan documents, on at least an annual basis.

     4. Interest on escrow accounts shall be paid, or credited, to mortgagors
        in accordance with the applicable state laws.

VI.  Delinquencies

     1. Records documenting collection efforts shall be maintained during the
        period a loan is in default and shall be undated at least monthly. Such
        records shall describe the entity's activities in monitoring delinquent
        loans including, for example, phone calls, letters and mortgage payment
        rescheduling plans in cases where the delinquency is deemed temporary
        (i.e., illness or unemployment).

VII. Insurance Policies

     1. A fidelity bond and errors and omissions policy shall be in effect on
        the servicing entity throughout the reporting period in the amount of
        coverage represented to investors in management's assertion.





  EX-99.3 (a)
Exhibit "A"

Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2004 fiscal year:


(A) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to
the best of these 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 of the servicer to perform any
of such duties, responsibilities or obligations, a description of each default
or failure and the nature and status thereof has been reported to Wells Fargo
Bank Minnesota, N.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 to Wells Fargo Bank Minnesota, N.A.;

(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/ Countrywide

/s/ Joseph Candelario
Officer

First Vice President
Title

/s/ 3/21/05
Date





  EX-99.3 (b)
(logo) DOWNEY SAVINGS
downeysavings.com



Officer's Certificate

The undersigned Officer certifies the following for the 2004 fiscal year:

1. I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the term of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
and to the best of these 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 of the
servicer to perform any of such duties, responsibilities or obligations, a
description of each default or failure and the nature and status thereof
has been reported to Downey Savings and Loan Association, F.A.;

2. I have confirmed that the Servicer is currently an approved FNMA or FHLMC
servicer in good standing;

3. I have confirmed that the Fidelity Bond, the Errors and Omissions
Insurance coverage 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;

4. All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Private Mortgage Insurance (if applicable), with respect
to each mortgaged property, have been paid and that all such insurance
policies are in full force and effect;

5. 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 to Downey Savings and Loan Association,
F.A.;

6. Monthly payment adjustments for adjustable rate mortgage loans have been
made according to the terms of the mortgage documents;

7. Escrow analysis has been performed in accordance with RESPA to ensure
sufficient moneys are being collected in escrow for the current year;

8. All Custodial Accounts have been reconciled timely and are properly
funded; and


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



Certified By:

/s/ John Gatzke
John Gatzke

Executive Vice President


/s/ 3/11/05
Date


Downey Savings and Loan Association, F.A.
P.O. Box 6060 * Newport Beach, California 92658-6060 * (949) 854-3100
Express Mail Delivery: 3501 Jamboree Road * Newport Beach, California 92660-2980





  EX-99.3 (c)
(logo) GMAC Mortgage


March 10, 2005



WELLS FARGO BANK
SABRENIA L. FIKE
9062 OLD ANNAPOLS ROAD
COLUMBIA, MD 21045

Re: Annual Officers Statement of Compliance
    Year Ending 2004
    GMACM Investor Agreement # 41163






We hereby certify to the best of our knowledge and belief, that for the calendar
year 2004:


1. A review of the activities of the Seller / Servicer and of performance
   according to the Seller / Servicer contract has been made with the
   undersigned Officer's knowledge.
2. To the best of the undersigned Officer's knowledge, and based on such review,
   the Seller / Servicer has fulfilled all its obligations
   under the Guides for such year.
3. If applicable, GMACM has filed the information returns with respect to
   the receipt of mortgage interest pursuant to Sections 60501H, 6050J and 6050P
   of the Code, received in a trade or business, reports of foreclosures and
   abandonment's of any Mortgaged Property and the information returns relating
   to cancellation of indebtedness income with respect to any Mortgaged
   Property.
4. All hazard, flood, FHA mortgage insurance and primary mortgage insurance
   premiums, taxes, ground rents, assessments and other lienable items have been
   paid in connection with the mortgaged properties.
5. All property inspections have been completed as required.
6. Compliance relative to Adjustable Rate Mortgages has been met.
7. Fidelity Bond and Errors and Omissions Insurance coverage is current, in full
   force and effect.


Servicer: GMAC Mortgage Corporation

By: /s/ Michael Kacergis

Name: Michael Kacergis

Title: Manager, Contract Administration
National Loan Administration Risk and Compliance


500 Enterprise Road
Suite 150
Horsham, PA 19044





  EX-99.3 (d)
PO Box 84013
Columbus GA 31908-4013
Tel. 800.784.5566

GreenPoint (logo) Mortgage


March 15, 2005



Wells Fargo Bank, National Association
9062 Old Annapolis Road
Columbia, Maryland 21045
Attn: Master Servicer

Re: Annual Statement of Compliance for the Pooling and Servicing
    Agreements listed on Exhibit A hereto (each as "Agreement") by
    GreenPoint Mortgage Funding, Inc., as Servicer


Ladies and Gentlemen:

Pursuant to the Assignment, Assumption and Recognition Agreement with respect
to the above-referenced offering, the undersigned officer of GreenPoint Mortgage
Funding, Inc. (as "Servicer") hereby certifies as to the following (capitalized
terms have the meanings used in each Agreement):

1. A review of the activities of the Servicer and its performance under each
Agreement during the preceding fiscal year since the inception of the trust has
been made under the direct supervision of the undersigned officer; and

2. To the best knowledge of the undersigned officer, based on such review, the
Servicer has fulfilled all of its material obligations under each Agreement
throughout the applicable period, and there has been no known default in the
fulfillment of the Servicer's material obligations throughout such period.


Very truly yours,

GREENPOINT MORTGAGE
FUNDING, INC., as Servicer


By: /s/ Michael DeFrancesco
Name: Michael DeFrancesco
Title: Senior Vice President,
       Loan Administrator


Aviso Importante Para Las Personas Habla Espanol
Si usted no entiendo el contenido de esta carta por favor obtenga una
traduccion immediamente

2300 Brookstone Centre Pkwy Columbus GA 31904
Customer Service Hours: Monday - Friday, 8:30 AM - 8:00 PM, Eastern
www.greenpointservice.com



Exhibit A

Harborview 2004-6
Harborview 2004-7





  EX-99.3 (e)
(logo) IndyMac Bank



Officer's Certificate


The Company will deliver to the Depositor on or before March 1 of each year, an
Officer's Certificate (each, an "Annual Statement of Compliance") stating that
(i) a review of the activities of the Company during the preceding calendar
year and of performance under this Agreement has been made under such officers'
supervision, (ii) the Company has fully complied with the provisions of this
Agreement and (iii) to the best of such officers' knowledge, based on such
review, the Company has fulfilled all of its obligations under this Agreement
throughout such year, or, if there has been a default in the fulfillment of any
such obligation, specifying each such default known to such officer and the
nature and status thereof.


By: /s/Robert M. Abramian
Robert M. Abramian
Vice President
Home Loan Services
Investor Reporting
IndyMac Bank




 Prepared for: Wells Fargo Bank

 Date:         March 1, 2005

 Ref:          USAP Letter and 2004 Annual Audit Financial Statements.
               (See Exhibit A)





  EX-99.3 (f)
MELLON TRUST OF NEW ENGLAND, N.A.

OFFICER'S CERTIFICATE

Annual Statement as to Compliance pursuant to Section 6.04 of the
Mortgage Loan Sale, Warranties and Servicing Agreement ("the Agreement")
Dated as of September 1, 2004 [HarborView 2004-7]



I, Stefania Holland, being the Vice President of Mellon Trust of New England,
N.A. (formerly known as Boston Safe Deposit and Trust Company)(the "Company"),
hereby certify as follows:


(i) a review of the activities of the Company during the preceding calendar
year and of performance under the Agreement has been made under my
supervision;

(ii) the Company has complied fully with the provisions of Article II and
Article IV of the Agreement;

(iii) to the best of my knowledge, based on such review, the Company has
fulfilled all of its obligations under the Agreement throughout the year.


IN WITNESS WHEREOF, the undersigned has executed this Certificate as of the 17th
day of March, 2005.


MELLON TRUST OF NEW ENGLAND, N.A.


By: /s/ Stefania Holland
Stefania Holland, Vice President





  Ex-99.4

   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                              Interest             Principal               Losses             Ending Balance
   
                       <c>                    <c>                  <c>                 <c>
   1-A                              391,853.65          2,265,995.76                 0.00              44,185,004.24
   2-A-1                          1,173,532.83         14,695,449.23                 0.00             125,304,550.77
   2-A-2                            952,518.46         10,811,651.93                 0.00              92,188,348.06
   2-A-3                          1,042,874.55         10,103,856.13                 0.00              86,153,143.88
   3-A-1                          1,444,017.65         12,797,687.93                 0.00             113,558,312.07
   3-A-2                            163,502.11          1,421,909.06                 0.00              12,617,090.94
   4-A                            1,495,627.92          5,189,197.97                 0.00             104,890,802.03
   A-R                                    1.59                100.00                 0.00                       0.00
   B-1                              215,975.73              7,085.15                 0.00              16,714,914.85
   B-2                              154,264.69              5,060.70                 0.00              11,938,939.30
   B-3                               74,910.84              2,457.47                 0.00               5,797,542.53
   B-4                               66,089.45              2,168.08                 0.00               5,114,831.92
   B-5                               52,876.73              1,734.63                 0.00               4,092,265.36
   B-6                               35,420.53              1,161.71                 0.00               2,741,285.29
   X-1                            1,102,000.85                  0.00                 0.00             303,646,042.71
   X-2                              197,679.54                  0.00                 0.00             126,175,403.02
   </TABLE>