Ex-99.3 a)

Alliance
Mortgage Company    (logo)

Michael C. Koster
Executive Vice President
Loan Administration

Officer's Certification of Servicing
2001

The undersigned officer certifies to the best of his/her knowledge the following
for the 2001 fiscal year:

(a)  That the mortgage insurance premiums charged under contract of the
     insurance with the Federal Housing Commission and/or private mortgage
     insurers, if any; all ground rents, if any; fire and any other hazard
     insurance premiums, taxes/sewer and water rents, if any; charges and claims
     assessed or levied by any lawful authority that were due and payable prior
     to December 31, 2001, have been paid to the appropriate authorities;

(b)  I have reviewed the activities and performance of Alliance Mortgage Company
     during the preceding fiscal year under the terms of the Servicing
     Agreement, Trust Agreement, Polling and Servicing Agreement and/or Seller/
     Servicer Guide. To the best of this Officers' knowledge, we have fulfilled
     all of its duties, responsibilities or obligations under these Agreements
     throughout such year;

(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 Polity (if
     applicable) and Primary Mortgage Insurance Policy (if applicable), with
     respect to each Mortgage 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;
<PAGE>

(g)  All annual reports of Foreclosure and Abandonment of Mortgaged Property
     required per section 6050j/6050p of the Internal Revenue Code,
     respectively, have been prepared and filed.

/s/ Michael C. Koster

January 5, 2002

Ex-99.3 b)

June 13, 2002

Wells Fargo Bank Minnesota, NA
Corporate Trust Services
MAC N02702-011
9062 Old Annapolis Road
Columbia, MD 21045

Attn: Dionne Waldron-Dixon

RE:     Officer's Certificate - Annual Certification

Dear Master Servicer:

The undersigned officer certifies the following for Cendant Mortgage Corp.
for the 2001 calendar year. To the best of our knowledge:

a)  The activities and performances of the Servicer during the preceding fiscal
    year under the terms of the Servicing Agreement, Trust Agreement, Pooling
    and Servicing Agreement and/or Servicer Guide and to the best of my
    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 such duties,
    responsibilities or obligations, a description of each default or failure
    and the nature and status thereof has been reported to Wells Fargo:

b)  The Servicer is currently an approved FNMA or FHLMC Servicer in good
    standing;

c)  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 Servicer Guide are in full force and
    effect;

d)  All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
<PAGE>

    applicable) and Primary Mortgage Insurance Policy (if applicable), with
    respect to each Mortgaged Property, have been paid and that 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 Mortgage Property, have been paid, or if any such costs or expenses have
    been paid with respect to any Mortgaged Property, the reason for the non-
    payment has been reported to Wells Fargo;

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

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

Certified by:

/s/ Marc J. Hinkle
------------------------------------
Officer- Marc J. Hinkle

Vice President - Loan Servicing
------------------------------------
Title

6/13/2002
------------------------------------
Date

Ex-99.3 c)

11000 Broken Land Parkway
Columbia, MD 21044-3562
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2001 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


<PAGE>

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.; Please see attached.

(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

Officer: /s/ William J. Connell
------------------------------------
William J. Connell
Senior Vice President
Title
Date 4/5/02

Ex-99.3 d)

Wachovia Mortgage Corporation (LOGO)
formerly First Union
Mortgage Corporation

Wells Fargo Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD 21044-3562

<PAGE>

Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2001 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:

Officer

<PAGE>

/s/ Richard Z. Grimm, Vice President
---------------------------------------
Richard Z. Grimm
Title

3/28/2002
---------------------------------------
Date