Ex-99.1 a)

INDEPENDENT ACCOUNTANTS' REPORT ON
MANAGEMENT'S ASSERTION ABOUT COMPLIANCE
WITH UNIFORM SINGLE ATTESTATION PROGRAM REQUIREMENTS


To the Board of Directors
Alliance Mortgage Company:



We have examined management's assertion about Alliance Mortgage Company's and
subsidiaries ("Alliance Mortgage 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, 2000 included in the accompanying management assertion.
Management is responsible for Alliance Mortgage 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 Alliance Mortgage 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 Alliance Mortgage Company's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Alliance Mortgage Company and
subsidiaries complied with the aforementioned minimum servicing standards as of
and for the year ended December 31, 2000 is fairly stated, in all material
respects.


March 22, 2001


Ex-99.1 b)

Deloitte & Touche LLP
Two Hilton Court
P.O. Box 319
Parsippany, New Jersey 07054-0319

Tel: (973) 683 7000
Fax: (973) 683 7459
www.us.deloitte.com



<PAGE>

Deloitte   (logo)
&Touche

INDEPENDENT AUDITORS 'REPORT


     Cendant Mortgage Corporation:

     We have examined management's assertion about Cendant Mortgage
     Corporation's 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, 2000 included in the accompanying management assertion. Management is
     responsible for Cendant Mortgage Corporation'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 Cendant Mortgage
     Corporation'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
     Cendant Mortgage Corporation's compliance with the minimum servicing
     standards.

     In our opinion, management's assertion that Cendant Mortgage Corporation
     complied with the aforementioned minimum servicing standards as of and for
     the year ended December 31, 2000, is fairly stated in all material
     respects.

     /s/ Deloitte & Touche

     February 9, 2001

Ex-99.1 c)


                 REPORT ON MANAGEMENT'S ASSERTION ON COMPLIANCE
                WITH MINIMUM SERVICING STANDARDS SET FORTH IN THE
             UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS


                        Report of Independent Accountants

<PAGE>

Board of Directors
Dovenmuehle Mortgage, Inc.

We have examined management's assertion, included in the accompanying report
titled REPORT OF MANAGEMENT, that 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, 2000. 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 DMI complied with the
aforementioned requirements during the year ended December 31, 2000, is fairly
stated, in all material respects.

This report is intended solely for the information and use of the board of
directors, management, Federal Home Loan Mortgage Corporation, Federal National
Mortgage Association, Government National Mortgage Association, and DMI's
private investors and is not intended to be and should not be used by anyone
other than these specified parties.


March 16, 2001


Ex-99.1 d)

KPMG      (logo)
   1660 International Drive
   McLean, VA 22102



                           Independent Auditors' Report


    The Board of Directors
    First Nationwide Mortgage Corporation:


    We have examined management's assertion about First Nationwide Mortgage
    Corporation's (the Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's
<PAGE>

    Uniform Single Attestation Program for Mortgage Bankers, as of and for the
    year ended December 31, 2000 included in the accompanying management
    assertion. 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 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 has complied in all
    material respects with the aforementioned minimum servicing standards as of
    and for the year ended December 31, 2000 is fairly stated, in all material
    respects.

     /s/ KPMG LLP

    January 16, 2001