EX-34.2
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KPMG LLP
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New York, NY 10154



Report of Independent Registered Public Accounting Firm


The Board of Directors
Downey Financial Corp. and subsidiaries:


We have examined management's assessment, included in the accompanying
Management Assessment, that Downey Financial Corp. and subsidiaries (the
Company) complied with the servicing criteria set forth in Item 1122(d) of the
Securities and Exchange Commission's Regulation AB for the servicing of
residential mortgage loans issued on or after January 1, 2006 (the Platform),
except for servicing criteria 1122(d)(1)(iii), 1122(d)(3)(i)(C),
1122(d)(3)(ii)-(iii), 1122(d)(4)(x)(B), and 1122(d)(4)(xv), which the Company
has determined are not applicable to the activities it performs with respect to
the Platform, as of and for the year ended December 31, 2007. The Company
asserts to servicing criterion 1122(d)(4)(i) only as it relates to the
Company's obligation to request and obtain collateral files from a third-party
custodian in accordance with the transaction agreements and to servicing
criterion 1122(d)(4)(ii) only as it relates to the Company's obligation to
return collateral files to the third-party custodian in accordance with the
transaction agreements. With respect to applicable servicing criteria
1122(d)(4)(i)-(ii) and 1122(d)(4)(vi), Management's Assessment indicates that
there were no activities performed during the year ended December 31, 2007 with
respect to the Platform, because there were no occurrences of events that would
require the Company to perform such activities. Appendix A to Management's
Assessment identifies the individual asset-backed transactions and securities
defined by management as constituting the Platform. Management is responsible
for the Company's compliance with those servicing criteria. Our responsibility
is to express an opinion on management's assessment about the Company's
compliance based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
selected asset-backed transactions and securities that comprise the Platform,
testing selected servicing activities related to the Platform, and determining
whether the Company processed those selected transactions and performed those
selected activities in compliance with the servicing criteria. Furthermore, our
procedures were limited to the selected transactions and servicing activities
performed by the Company during the period covered by this report. Our
procedures were not designed to determine whether errors may have occurred
either prior to or subsequent to our tests that may have affected the balances
or amounts calculated or reported by the Company during the period covered by
this report for the selected transactions or any other transactions. 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 servicing criteria.


(page)


As described in the accompanying Management Assessment, for servicing criteria
1122(d)(4)(vii) and 1122(d)(4)(xi)-(xiii), the Company has engaged various
vendors to perform the activities required by these servicing criteria. The
Company has determined that none of these vendors is considered a "servicer" as
defined in Item 1101(j) of Regulation AB, and the Company has elected to take
responsibility for assessing compliance with the servicing criteria applicable
to each vendor as permitted by Interpretation 17.06 of the SEC Division of
Corporation Finance Manual of Publicly Available Telephone Interpretations
(Interpretation 17.06). As permitted by Interpretation 17.06, the Company has
asserted that it has policies and procedures in place designed to provide
reasonable assurance that the vendors' activities comply in all material
respects with the servicing criteria applicable to each vendor. The Company is
solely responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and related criteria as described in its
assertion, and we performed no procedures with respect to the Company's
eligibility to apply Interpretation 17.06.

In our opinion, management's assessment that Downey Financial Corp. and
subsidiaries complied with the aforementioned servicing criteria, including
servicing criteria 1122(d)(4)(vii) and 1122(d)(4)(xi)-(xiii), for which
compliance is determined based on Interpretation 17.06 as described above, is
fairly stated as of and for the year ended December 31, 2007, in all material
respects.


/s/ KPMG LLP


Costa Mesa, California
March 17, 2008



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