Exhibit 33.3

                                                                     [LOGO]
                                                                  ZC STERLING
                                                               KEEPING YOU FIRST

                                                    ZC Sterling Corporation
                                                    210 Interstate North Parkway
                                                    Suite 400
                                                    Atlanta, GA 30339

                                                    Tel 770.690.8400
                                                    Fax 770.690.8240
                                                    http://www.zcsterling.com

         Report on Assessment of Compliance with Securities and Exchange
                 Commission's Regulation AB Servicing Criteria

For the calendar year ending December 31 2007, or portion thereof (the
"Period"), ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a subcontractor
for Servicers (also referred to as "Clients" within this report) identified in
Appendix A and the Platform noted therein.

The undersigned Senior Vice Presidents of ZCSIA, have sufficient authority to
make the statements contained in this Assertion and are responsible for
assessing compliance with the servicing criteria applicable to ZCSIA. ZCSIA has
used the servicing criteria set forth in Item 1122 (d) (1) (iv), Item 1122 (d)
(2) (vi), Item 1122 (d) (4) (xi), Item 1122 (d) (4) (xii), and Item 1122 (d) (4)
(xiii) of the Securities and Exchange Commission's Regulation AB servicing
criteria, which are applicable to the activities performed by ZCSIA with respect
to the Clients and the Platform covered by this report. The remaining servicing
criteria set forth in Item 1122 (d) of the Securities and Exchange Commission's
Regulation AB are not applicable to the activities performed by ZCSIA with
respect to the Clients and the Platform covered by this report. As a
subcontractor for Servicer, ZCSIA has determined that it complied in all
material respects with the servicing criteria listed below. ZCSIA engaged Ernst
& Young, LLP ("E&Y"), a registered public accounting firm, to review ZCSIA's
assessment, and E&Y has issued an attestation report on ZCSIA's assessment of
compliance with the applicable servicing criteria for the Period.

1. ZCSIA maintained a fidelity bond and errors & omissions policy in effect on
ZCSIA throughout the reporting period in the amount of coverage required by the
transaction agreements between the Servicer and ZCSIA (1122(d)(i)(iv)).

2. To the extent that ZCSIA prints checks for Servicer or otherwise has
Servicer's checks or check stock, unissued checks are safeguarded so as to
prevent unauthorized access (1122(d)(2)(vi)).

3. Payments made on behalf of Servicer's obligor for insurance premiums are made
on or before the related penalty or expiration dates, as indicated on the
appropriate bills or notices for such payments, provided that such support has
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been received by the Servicer at least thirty (30) calendar days prior to these
dates, or such other number of days specified in the transaction agreements
between Servicer and ZCSIA (1122(d)(4)(xi)).

4. Any late payment penalties in connection with any payment for insurance to be
made on behalf of Servicer's obligor are paid from the Servicer's funds or
ZCSIA's funds and not charged to Servicer's obligor, unless the late payment was
due to the obligor's error or omission (1122(d)(4)(xii)).

5. File(s) provided to Servicer from which Servicer may make disbursements made
on behalf of Servicer's obligor are provided to Servicer on an accurate and
timely basis and the information thereon is subject to such controls as are
specified in the transaction agreements between Servicer and ZCSIA
(1122(d)(4)(xiii)).


Sincerely,
ZC STERLING INSURANCE AGENCY, INC.

By:    /s/ Arthur J. Castner
       ---------------------
       Arthur J. Castner

Title: Senior Vice President - Hazard Operations

Date:  February 15, 2008


By:    /s/ James P. Novak
       -------------------
       James P. Novak

Title: Senior Vice President & General Counsel

Date:  February 15, 2008

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Appendix A

The following is a list of Clients serviced on the ZC Sterling Integrated
Product Solution (ZIPS) Platform:

1.    Dovenmuehle Mortgage, Inc,
2.    HomeEq Servicing
3.    Option One Mortgage Corporation
4.    UBS Special Servicing Group
5.    Sun Trust Mortgage, Inc.
6.    Wachovia Mortgage FSB
7.    Wells Fargo Home Mortgage
8.    Maris Servicing. LLC.

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