99.2

Deloitte
Deloitte & Touche LLP

Suite 2300
333 Clay Street
Houston, TX 77002-4196
USA
Tel: +1 713 982 2000
Fax: +1 713 982 2001
www.deloitte.com




Independent Accountants' Report

To The Partners of Litton Loan Servicing LP:

We have examined management's assertion that Litton Loan Servicing LP
(the Company) has complied as of and for the year ended December 31, 2003,
with its established minimum servicing standards described in the
accompanying Management Assertion Report dated February 20, 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 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.

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, 2003, is fairly stated, in all material respects based on
the criteria set forth in Appendix I.



/s/: Deloitte & Touche LLP
Deloitte & Touche LLP
February 20, 2004










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.










LLS Logo Here

LITTON LOAN SERVICING LP
An affiliate of C-Bass
4828 Loop Central Drive
Telephone (713) 960-9676
Houston, Texas 77081
Fax (713) 960-0539

February 20,2004


MANAGEMENT ASSERTION REPORT

As of and for the year ended December 31, 2003, Litton Loan Servicing LP
(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. As of and
for this same period, Litton Loan Servicing LP had in effect a fidelity bond
in the amount of $20,000,000 and an errors and omissions policy in the amount
of $20,000,000.





/s/:  Larry B. Litton
Larry B. Litton, Sr., President & CEO


/s/: Janice McClure
Janice McClure, Senior Vice President