EXHIBIT 99.1 -- Independant Accountant's Servicing Report for the year ended


a)

[ERNST & YOUNG logo]

                      Ernst & Young LLP            Phone: (720) 931-4000
                      Suite 3300                   Fax:   (720) 931-4444
                      370 17th Street              www.ey.com
                      Denver, Colorado 80202-5663







                  Report of Independent Accountants



Board of Directors
Aurora Loan Services Inc.


We have examined management's assertion, included in the accompanying
report titled Report of Management, that Aurora Loan Services Inc. (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) during the year ended November 30,
2004. Management is responsible for the Company's compliance with those
requirements. Our responsibility is to express an opinion on management's
assertions about the Company'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 the
Company'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 the Company's
compliance with specified requirements.

In our opinion, management's assertion that the Company complied with the
aforementioned requirements during the year ended November 30, 2004 is
fairly stated, in all material respects.

This report is intended solely for the information and use of the Board
of Directors, management, the U.S. Department of Housing and Urban
Development, the Government National Mortgage association, and the
Company's private investors and is not intended to be and should not be
used by anyone other than these specified parties.


                                          /s/ Ernst & Young LLP


February 11, 2005

b)

[PRICEWATERHOUSECOOPERS logo]
                                          PricewaterhouseCoopers LLP
                                          222 Lakeview Avenue
                                          Suite 360
                                          West Palm Beach, FL 33401
                                          Telephone (561) 832 0038
                                          Facsimile (561) 805 8181


  Independent Registered Certified Public Accountant's Report


To the Board of Directors of
Ocwen Federal Bank FSB


We have examined management's assertion included in the accompanying
Management Assertion on Compliance with USAP, that, except for the
noncompliance related to reconciliations described in the third
paragraph and the noncompliance related to adjustable rate
mortgages described in the fifth paragraph, Ocwen Federal Bank FSB
(the "Bank") complied with the minimum servicing 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.  Management is responsible for
the Bank's compliance with those 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 minimum servicing standards and performing
such other procedures as we consider 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 minimum servicing standards.

Our examination disclosed noncompliance with minimum servicing
standards related to account reconciliations and adjustable
rate mortgages applicable to the Bank during the year ended
December 31, 2004.  Such noncompliance is described in the
accompanying Management Assertion on Compliance with USAP.

In our opinion, management's assertion that the Bank complied with the
aforementioned minimum servicing standards, except for
noncompliance as described in the accompanying Management
Assertion on compliance with USAP, as of and for the year ended
December 31, 2004 is fairly stated, in all material respects.



/s/ PricewaterhouseCoopers LLP

March 29, 2005

c)

[KPMG logo]
		KPMG LLP
		55 Second Street
		San Francisco, CA 94105


		Independent Accountants' Report


The Board of Directors
Wells Fargo Bank, N.A.:


We have examined management's assertion, included in the accompanying
Assertion of Management of Wells Fargo Bank, N.A. (the "Bank"), as servicer
complied 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 minimum servicing standards
I.4, III.3, III.4, III.6, V.2, V.3, and V.4, which the Bank has determined
are not applicable to the servicing of the pools, as of and for the year
ended December 31, 2004.  Management is responsible for the Bank's
compliance with those 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 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 Bank'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 Bank's compliance
with the minimum servicing standards.

Our examination disclosed the following material noncompliance with
minimum servicing standards over mortgage payments applicable to the Bank
as of and for the year ended December 31, 2004:  In seven of
forty-five payments tested, we noted that the mortgage payment as
recorded on the servicing system did not agree with the mortgagor's
loan documents.


In our opinion, except for the material noncompliance described in the
third paragraph, Wells Fargo Bank, N.A., as servicer, complied
with the aforementioned minimum servicing standards
as of and for the year ended December 31, 2004.

			/s/  KPMG LLP


February 28, 2005

d)

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


                   Report of Independent Auditors


To the Board of Directors and Stockholder
of Chase Home Finance LLC:


We have examined management's assertion about Chase Home Finance LLC's
(formerly known as Chase Manhattan Mortgage Corporation) (the "Company")
compliance with the minimum servicing 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 Company'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 the
Company's compliance with the 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
Company's compliance with the minimum servicing standards.

In our opinion, management's assertion that the Company 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/ PricewaterhouseCoopers LLP

March 11, 2005

e)

[Deloitte logo]
              Deloitte & Touche LLP
              750 College Road East
              3rd Floor
	      Princeton, NJ 08540
              USA
	      Tel:+1 609 514 3600
	      www.deloitte.com

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To Cendant Mortgage Corporation:

We have examined Cendant Mortgage Corporation's (the "Company") compliance
with its established minimum servicing standards described in the
accompanying Management's Assertion, dated February 28, 2005, as of
and for the year ended December 31, 2004.  Management is responsible
for compliance with those minimum servicing standards.  Our responsibility
is to express an opinion on 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
as adopted by the Public Company Accounting Oversight Board and, accordingly,
included examining, on a test basis, evidence about
the Company's compliance with its 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 Company's compliance with
its minimum servicing standards.

Our examination disclosed the following instance of material noncompliance with
the reconcilliation of custodial bank accounts applicable to the Company during
the year ended December 31, 2004.  The Company did not comply with the
requirement to prepare custodial bank account reconcilliations within
45 calendar days after the cutoff date and the requirement to resolve
reconciling items within 90 calendar days of their original identification
as specified by their minimum servicing standards.

In our opinion, except for the material noncompliance described in the
preceding paragraph, the Company complied, in all material respects,
with the aforementioned minimum servicing standards as of and for
the year ended December 31, 2004, as set forth in Appendix I.




/s/ Deloitte & Touche LLP
February 28, 2005



APPENDIX I
MINIMUM SERVICING STANDARDS AS SET FORTH
IN THE MORTGAGE BANKERS ASSOCIATION OF AMERICA'S
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

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:  be mathematically accurate;
	be prepared within forty-five (45) calendar days
	after the cutoff date;
	be reviewed and approved by someone other than
	the person who prepared the reconciliation; and
	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 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
	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 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.	Unused 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 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 updated 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
	(e.g., 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.