SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-K/A
                                 Amendment No.1


(Mark One)

/     x / ANNUAL  REPORT  PURSUANT  TO  SECTION  13 OR  15(d) OF THE  SECURITIES
      EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 or

/   / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
      SECURITIES EXCHANGE ACT OF 1934


      Commission File No.:   333-65481-32

            Norwest Asset Securities Corporation
            Mortgage Pass-Through Certificates
            Series 2000-1 Trust
            (Exact name of registrant as specified in its charter)



New York                           52-2220088
State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, Maryland                            21045
(Address of principal executive offices)     (ZIP Code)


Registrant's telephone number, including area code:
     (410) 884-2000

Securities to be registered pursuant to Section 12(b) of the Act:

     NONE

Securities to be registered pursuant to Section 12(g) of the Act:

     NONE

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days.

     Yes   X          No ___


This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the  "Original  Form 10-K") filed on March 22, 2001, on behalf of
Norwest Asset Securities Corporation Series 2000-1 Trust established  pursuant
to the Pooling and Servicing Agreement among Norwest Asset Securities
Corporation as Seller and Norwest Bank Minnesota, National Association as Master
Servicer and First Union National Bank as Trustee, pursuant to which the Norwest
Asset Securities Corporation Series 2000-1 Trust registered under the Securities
Act of 1933 (the "Certificates") were issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports
          on Form 8-K.

          (a) Exhibits

              (99.1) Annual   Independent    Accountants'    Servicing   Reports
                     concerning servicing activities for the year ended December
                     31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F3>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>

              (99.2) Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F1>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>


              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F3>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>


              (99.4) Aggregate Statement of Principal and Interest Distributions
                     to Certificate Holders. <F2>

            (b)  On November 8, 2000,  December 11,  2000,  and January 8, 2001,
                 reports  on Form 8-K  were  filed  by the  Company  in order to
                 provide the statements for the monthly distributions to holders
                 of the  Certificates.  No other  reports  on Form 8-K have been
                 filed  during the last  quarter  of the period  covered by this
                 report.

            (c) Not applicable.

            (d)  Omitted.

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not
      received by the reporting person.

                           SIGNATURE

Pursuant to the  requirements of Section 13 or 15(d) of the Securities  Exchange
Act of 1934,  the  registrant  has duly  caused  this report to be signed on its
behalf by the undersigned, thereunto duly authorized:

Norwest Asset Securities Corporation
Mortgage Pass-Through Certificates
Series 2000-1 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Master Servicer

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 17, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F3>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>


99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F1>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>

99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 2000.

                     a)  Bank United (TX) <F1>
                     b)  Homeside Lending, Inc. (FL) <F1>
                     c)  Firstar Home Mortgage <F1>
                     d)  Sun Trust Mortgage, Inc. <F1>
                     e)  Wells Fargo Home Mortgage, Inc <F1>
                     f)  Huntington Mortgage Company <F1>
                     g)  First Horizon Home Loan Corp <F1>
                     h)  America First Credit Union <F1>
                     i)  Chase Manhattan Mortgage Corporation <F1>
                     j)  Morgan Stanley Dean Witter <F3>
                     k)  M & T Mortgage Corporation <F1>
                     l)  Cendant Mortgage Corporation <F1>

99.4      Aggregate Statement of Principal and Interest Distributions to
          Certificate Holders.<F2>

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not
      received by the reporting person.




EX-99.1 (a)

    KPMG  (logo)
    700 Louisiana
    Houston, TX 77002
    Telephone 713 319 2000
    Fax 713 319 2041

    Independent Accountants' Report

    The Board of Directors Bank United:

    We have examined management's assertion about Bank United and subsidiaries'
    (the Bank) compliance 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 the year ended September 30, 2000,
    included in the accompanying Management Assertion. Management is responsible
    for the Bank's compliance with those minimum servicing standards.  Our
    responsibility is to express an opinion on management's assertion about the
    Bank'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 Bank'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 Bank's compliance with the
    minimum servicing standards.


    In our opinion, management's assertion that the Bank has complied in all
    material respects with the aforementioned minimum servicing standards as of
    and for the year ended September 30, 2000, is fairly stated, in all material
    respects.



    October 23, 2000



EX-99.1 (b)

    KPMG    (logo)

    Suite 2700, Independent Square
    One Independent Drive
    PO. Box 190
    Jacksonville, FL 32201-0190

    Independent Auditors' Report


    The Board of Directors
    HomeSide Lending, Inc.:


    We have examined management's assertion about HomeSide Lending, Inc. and
    subsidiaries' (the  Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's Uniform
    Single Attestation Program for Mortgage Bankers and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amount of $76
    million and $20 million., respectively, as of and for the year ended
    September 30, 2000, included in the accompanying management assertion letter
    dated December 1, 2000.  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 HomeSide Lending, Inc. and
    subsidiaries has complied in all material respects with the aforementioned
    minimum servicing standards and that the Company had in effect a fidelity
    bond and errors and omissions policy in the amount of $76 million and $20
    million, respectively, as of and for the year ended September 30, 2000 is
    fairly stated, in all material respects.

    December 1, 2000


EX-99.1 (c)

PRICEWATERHOUSECOOPERS   (logo)

PricewaterhouseCoopers LLP
650 Third Avenue South
Suite 1300
Minneapolis MN 55402

Telephone      (612) 596 6000
Facsimile      (612) 373 7160

                       Report of Independent Accountants

    To the Board of Directors and Shareholder of
    Firstar Bank, N.A.

    We have examined management's assertion about Firstar Bank,N.A (including
    Firstar Home Mortgage) (the "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 (see Exhibit 1). 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 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 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 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 12, 2001



EX-99.1 (d)

    ARTHURANDERSEN  (logo)

    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

    To SunTrust Mortgage, Inc.:

    We have examined management's assertion about SUNTRUST MORTGAGE, INC.'s
    compliance with the minimum servicing standards identified in the Mortgage
    Bankers Association of America's Uniform Single Attestation Program for
    Mortgage Banks ("USAP") and that the Company had in effect a fidelity bond
    and errors and omissions policy in the amounts of $ 100,000,000 and
    $28,500,000, respectively, 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 and for
    maintaining a fidelity bond and errors and omissions policy. Our
    responsibility is to express an opinion on management's assertion about the
    entity's compliance with the minimum servicing standards and maintenance of
    a fidelity bond and errors and omissions policy 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 complied with the
    aforementioned minimum servicing standards and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amounts of $
    100,000,000 and $28,500,000, respectively, as of and for the year ended
    December 31, 2000 is fairly stated in all material respects.



    Atlanta, Georgia
    February 2, 2001





EX-99.1 (e)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion about Wells Fargo Home Mortgage'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 Wells Fargo
Home Mortgage'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 Wells Fargo Home Mortgage'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 Wells Fargo Home Mortgage's compliance with
the minimum servicing standards.

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

January 16, 2001




EX-99.1 (f)

ERNST&YOUNG  (logo)

Ernst&Young LLP
1100 Huntington Center
41 South High Street
Columbus, Ohio 43215

Phone: (614) 224-5678
Fax:   (614) 222-3939



                         Report of Independent Accountants


        Board of Directors
        The Huntington Mortgage Company

        We have examined management's assertion, included in the accompanying
        report titled Report of Management, that The Huntington Mortgage Company
        (HMC), a wholly-owned subsidiary of The Huntington National Bank,
        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 HMC's compliance with those requirements.
        Our responsibility is to express an opinion on management's assertion
        about HMC'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
        HMC'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 HMC's compliance
        with specified requirements,

        In our opinion, management's assertion that HMC 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, and HMC's private investors,
        and is not intended to be and should not be used by anyone other than
        these specified parties.

        March 6, 2001



EX-99.1 (g)

   ARTHURANDERSEN   (logo)

   REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

   To the Stockholder of First Tennessee Mortgage Services, Inc.:

    We have examined management's assertion about First Tennessee Mortgage
    Services, Inc.'s (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Single Attestation Program for Mortgage Bankers (USAP) and that the
    Company had in effect a fidelity bond policy in the amount of $70,000,000
    and an errors and omissions policy in the amount of $50,000,000 as of and
    for the year ended December 31, 2000, included in the accompanying
    management assertion letter. Management is responsible for the Company's
    compliance with those minimum servicing standards and for maintaining a
    fidelity bond and errors and omissions policy. Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    with the minimum servicing standards and maintenance of a fidelity bond and
    errors and omissions policy based on our exammation.

    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, except for the matters disclosed therein, management's
    assertion that the Company complied with the aforementioned minimum
    servicing standards and that the Company had in effect a fidelity bond
    policy in the amount of $70,000,000 and an errors and omissions policy in
    the amount of $50,000,000 as of and for the year ended December 31, 2000, is
    fairly stated, in all material respects.


    Memphis, Tennessee,
    February 16, 2001



EX-99.1 (h)

Deloitte & Touche LLP
Suite 1800
50 South Main Street
Salt Lake City, Utah 84144-0158

Tel: (801) 328-4706
Fax: (801) 355-7515
www.us.deloitte.com

Deloitte & Touche   (logo)



INDEPENDENT AUDITORS' REPORT

To the Supervisory Committee of
America First Credit Union:

We have examined  management's  assertion  about  America  First Credit  Union's
(AFCU'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 AFCU's
compliance with those minimum  servicing  standards.  Our  responsibility  is to
express an opinion on management's  assertion about AFCU'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 AFCU'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 AFCU's compliance with the minimum servicing standards.

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

Deloitte & Touche LLP

March 19, 2001

Deloitte   (logo)
Touche
Tohmatsu



EX-99.1 (i)

 PRICEWATERHOUSECOOPERS (LOGO)
 PricewaterhouseCoopers LLP
 1441 Main Street, Suite 705
 Columbia SC 29201
 Telephone (803) 779 0930



                      Report of Independent Accountants



    To the Board of Directors and Stockholder
    of Chase Manhattan Mortgage Corporation:


    We have examined management's assertion about Chase Manhattan Mortgage
    Corporation's (the "Company") compliance with the minimum servicing
    standards ("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 (see Exhibit 1). The Company performs loan subservicing
    functions for the  residential loan servicing portfolio of Chase Mortgage
    Company.  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 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 the Company's compliance
    with the 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 standards.

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


    March 2, 2001



EX-99.1 (k)

    PRICEWATERHOUSECOOPERS   (logo)


    PricewaterhouseCoopers LLP
    3600 HSBC Center
    Buffalo NY 14203-2879
    Telephone (716) 856 4650
    Facsimile (716) 856 1208

    Loan Servicing Report of Independent Accountants

    To the Board of Directors and Stockholder of
    M&T Mortgage Corporation

    We have examined management's assertion about M&T 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 M&T 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 M&T 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
    M&T Mortgage Corporation's compliance with the minimum servicing standards.

    In our opinion, management's assertion that M&T 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.


    March 14, 2001


EX-99.1 (l)

    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


    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.



     February 9, 2001



EX-99.2 (a)

    3200 Southwest Freeway, Suite 2000
    Houston, Texas 77027
    P.O. Box 1370
    Houston, Texas 77251-1370
    Telephone 713/543-6500

    Bank United of Texas FSB

    BANK   (logo)
    UNITED



                            Management Assertion


    As of and for the year ended September 30, 2000, Bank United and
    subsidiaries' (the "Bank") 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 year, the Bank had in effect a fidelity bond and errors and
    omissions policy in the amount of $40,000,000 and $25,000,000, respectively.



    Anthony J. Nocella                       Jonathon K. Heffron
    CFO & Vice President                     COO, Executive Vice President and
    October 23,2000                          General Counsel
                                             October 23, 2000



EX-99.2 (b)

HOMESIDE
LENDING, INC.  (logo)


Management Assertion Letter

As of and for the year ended September 30, 2000, HomeSide Lending,
Inc. and subsidiaries 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, HomeSide Lending had
in effect a fidelity bond and errors and omissions policy in the
amount of $76 million and $20 million, respectively.

William Glasgow, Jr.

December 1, 2000


Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209




EX-99.2 (c)

FIRSTAR  (logo)
Bank Without Boundaries

1550 East 79th Street
Bloomington, MN 55425

Exhibit I

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 12, 2001

As of and for the year ended December 31, 2000, Firstar Bank, N.A and its
subsidiaries (including Firstar Home Mortgage) (the "Company") have
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 ("USAP").

As of and for this same period, the Company had in effect a fidelity bond
and errors and omissions policy in the amounts of $50,000,000 and
$25,000,000 respectively.

Dan Arrigoni
President and Chief Executive Officer
Firstar Home Mortgage

Rick Aneshansel
Chief Financial Officer
Firstar Home Mortgage

Michael L. Norris
Senior Vice President, Mortgage Servicing
Firstar Home Mortgage




EX-99.2 (d)

SunTrust Mortgage, Inc.
Post Office Box 26149
Richmond. VA 23260-6149
1-800-634-7928

SUNTRUST   (logo)


            February 10, 2000


            Arthur Andersen LLP
            133 Peachtree Street, NE
            Atlanta, GA 30303


            Dear Sirs:

            As of and for the year ended December 1, 2000, SunTrust Mortgage,
            Inc. 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, SunTrust Mortgage, Inc. had in
            effect a fidelity bond and errors and omissions policy in the
            amounts of $100,000,000 and $28,500,000 respectively.

            Sincerely,

            Ralph B. Carrigan
            Executive Vice President



EX-99.2 (e)

    Wells Fargo Home Mortgage (logo)

    1 Home Campus
    Des Moine, IA 50328-0001


    Management Assertion

      As of, and for the year ended December 31,2000, Wells Fargo Home Mortgage
      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 the same period,
      Wells Fargo Home Mortgage had in effect a fidelity bond along with an
      errors and omissions policy in the amounts of $50 million and $10 million,
      respectively.



     Pete Wissinger                                    January 16, 2001
     Chief Executive                                   Date


     Geoff Dreyer                                      January 16, 2001
     Chief Financial Officer                           Date


     Mike Heid                                         January 16, 2001
     Executive Vice President Loan Servicing           Date




EX-99.2 (f)

Huntington
Mortgage
Company  (logo)


Report of Management

We, as members of management of The Huntington Mortgage Company (HMC), a
wholly-owned subsidiary of The Huntington National Bank, are responsible
for complying with the minimum servicing standards as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP). We are also responsible for
establishing and maintaining effective internal control over compliance
with these standards. We have performed an evaluation of HMC's compliance
with the minimum servicing standards as set forth in the USAP as of
December 31, 2000 and for the year then ended. Based on this evaluation,
we assert that during the year ended December 31, 2000, HMC complied, in
all material respects, with the minimum servicing standards set forth in
the USAP.

As of and for this same period, HMC had in effect a fidelity bond in the
amount of $70,000,000 and an errors and omissions policy in the amount of
$10,000,000.


Thomas J. Finnegan III
President and Chief Executive Officer

Irving A. Adler
Senior Vice President

March 6, 2001



EX-99.2 (g)

    FIRST
    HORIZON           (logo)
    HOME LOANS


    Arthur Andersen L.L.P.
    100 Peabody Place, Suite 1100
    Memphis, TN 38103-3625

    Dear Sirs:

    As of and for the year ended December 31, 2000, First Horizon Home Loan
    Corporation and its wholly-owned subsidiary, First Tennessee Mortgage
    Services, Inc. (the "Company") has complied in all material respects, except
    for the matters disclosed in Exhibit 1, 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,
    the Company had in effect a fidelity bond policy in the amount of
    $70,000,000 and an errors and omissions policy in the amount of $50,000,000.


    Peter F. Makowiecki
    Chief Financial Officer

    February 16, 2001



EX-99.2 (h)

AMERICA FIRST CREDIT UNION   (logo)


As of and for the year ended  December 31, 2000, America First Credit Union
(AFCU) 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 year,
AFCU had in effect a fidelity bond and errors and omissions policy in the amount
of $10,000,000 and $500,000, respectively.



    Rick Craig, President and CEO                       March 19, 2001

    Rex Rollo, Chief Financial Officer                  March 19, 2001

    Larry Kano, Mortgage Servicing Department Manager   March 19, 2001


                              With You In Mind

    P.O. BOX 9199 * OGDEN, UT 84409 * (801) 627-0900 * SALT LAKE CITY, UT
    (801) 966-5553 * WATS-IN-STATE AND OUT-OF-STATE 1-800-999-3961

                              www.americafirst.com




EX-99.2 (i)

CHASE  (logo)

Exhibit 1

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standands


March 2, 2001

As of and for the year ended December 31, 2000, Chase Manhattan Mortgage
Corporation ("CMMC") and Chase Mortgage Company ("CMC") and their subsidiaries
(collectively, the "Group") have complied in all material respects with the
minimum servicing standards (the "Standards") set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers ("USAP")

As of and for this same period, the Group had in effect fidelity bond and
errors and omissions policy in the amounts of $250,000,000 and $25,000,000
respectively.

Thomas Jacob
Chief Executive Officer


Terry L. Gentry
Sr. Vice President of Servicing


Glenn Mouridy
Executive Vice President of Servicing


Lucy Gambino
Vice President of Risk Management




EX-99.2 (j)


    MORGAN STANLEY DEAN WITTER
    CREDIT CORPORATION

    January 12, 2001

    As of and for the year ended December 31, 2000, Morgan Stanley Dean
    Witter Credit Corporation (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, Morgan Stanley Dean Witter
    & Co., the Company's parent, had in effect a fidelity bond in excess of $25
    million and an errors and omissions policy in excess of $25 million under
    which the Company was covered.

      Thomas F. White

      Vice President and Secretary

      Leroy Hodo

      Vice President and Controller




EX-99.2 (k)

    M&T Mortgage Corporation

    A SUBSIDIARY OF M&T BANK - Over 140 Years of Experience Behind Us

              MANAGEMENT'S ASSERTION ABOUT COMPLIANCE WITH
                       MINIMUM SERVICING STANDARDS

      As of and for the year ended December 31, 2000, M&T Mortgage Corporation
      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,
      M&T Mortgage Corporation had in effect Fidelity bond and errors and
      omissions coverages in the amount of $45,000,000 and $20,000,000,
      respectively.

      M&T Mortgage Corporation

      By:

        James J. Beardi
        President

        Michael J. Todaro
        Senior Vice President

        Mark J. Mendell
        Vice President



EX-99.2 (l)

Cendant Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054

CENDANT  (logo)
Mortgage

As of and for the year ended December 31, 2000, Cendant Mortgage
Corporation (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, the Company had in
effect a fidelity bond and errors and omissions policy in the amount
of $110 million and $20 million, respectively.

Cendant Mortgage Corporation


Terence W.Edwards
President and Chief Executive Officer


Martin Foster
Vice President Servicing Management Group



EX-99.3 (a)

    3200 Southwest Freeway, Houston, Texas 77027
    P.O. Box 2824, Houston, Texas
    713/543-8675, 800/288-3223

    BANK
    UNITED (logo)

    Wells Fargo Bank Minnesota, N.A,
    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 2000 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 Tyrone W. Crawley

Vice President
Title

3-27-01
Date




EX-99.2 (b)

       HOMESIDE   (logo)
       LENDING, INC.

       June 21, 2001


       Ms. Dionne Dixon
       Wells Fargo Bank Minnesota
       11000 Broken Land Parkway
       Columbia, Maryland 21044

       Re:  Annual Officer's Certification
            Fiscal Year Ending September 30, 2000

       Dear Ms. Dixon:

       HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities
       on the mortgage loans HomeSide services on behalf of Wells Fargo Bank
       Minnesota.  This review was conducted for the purpose of determining if
       the servicer has met all servicing obligations under the agreement
       covering these mortgage loans.

       HomeSide, upon my investigation and to the best of my knowledge, has
       conducted its servicing activities in compliance with the agreement and
       is not in default in the fulfillment of any obligations of the agreement.
       Further, all real estate taxes and hazard insurance premiums have been
       paid as and when due.

       I apologize for the oversight in sending. Should you have any questions
       please contact Lynda M. Pohwat at (904)281-4705 or Lmpohwat@homeside.com.

       Sincerely,



       Karen Bryan
       Vice President




EX-99.3 (c)

Wells Fargo Bank Minnesota, N.A.
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 2000 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 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

Title

Date



EX-99.3 (d)

    Wells Fargo Bank Minnesota, N.A.
    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 2000 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 Forecloslure 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

    Vice President
    Title

    March 26, 2001
    Date



EX-99.3 (e)

      WELLS FARGO HOME MORTGAGE (Logo)
      One Home Campus
      Des Moines, IA 50328-0001

      March 20, 2001

      Re: 2000 Annual Certification

      We hereby certify to the best of our knowledge and belief that for the
      calendar year of 2000:

      1. All real estate taxes, bonds assessments and other lienable items
         have been paid.

      2. All FHA mortgage insurance, private mortgage insurance premiums, and
         flood insurance have been paid (if applicable).

      3. Hazard insurance policies held by us meet the requirements as specified
         in the servicing agreement or those of a normal prudent lender if
         not specified, and those premiums due have been paid.

      4. We have made all property inspections as required.

      5. Fidelity bond and Errors and Omissions insurance coverage currently
         exists.

      6. That the Officer signing this certificate has 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 or similar agreements
         and to the best of this officer's knowledge, the Servicer has fulfilled
         all of its duties, responsibilities or obligations of such agreement
         throughout the 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.

      Sincerely,


      John B. Brown
      Vice President
      Wells Fargo Home Mortgage, Inc.



EX-99.3 (f)

    Huntington
    Mortgage   (logo)
    Company

    OFFICER'S CERTIFICATE


    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

    A    I have reviewed the activities and  performance of the Servicer during
         the proceeding 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 an 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 omission
         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, government 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 and 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;
         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: Michael Greenwood

    Title: Vice President of Servicing

    7-10-01
    Date





EX-99.3 (g)

    ANNUAL SERVICING CERTIFICATION

    In connection with the loans serviced by First Horrizon Home Loans (formerly
    FT Mortgage Companies) during the fiscal year December 31, 2000, we confirm
    the following to be materially correct and accurate to the best of our
    knowledge, information and belief.

         1.   Real etate taxes, special assessments and any charges that may
              become a lien upon the property and which come due in the last
              calendar year have been paid. This also includes the verification
              with taxing authorities for non-escrowed mortgages.
         2.   FHA insurance premiums or private mortgage insurance premiums, if
              applicable, have been paid and are in full force and effect.
         3.   Properties are adequately insured and your interest, as Mortgagee,
              is properly provided for in the mortgage clause. This includes
              both flood and hazard insurance.
         4.   For those loans being escrowed for the payment of taxes and
              insurance, sufficient amounts are being collected monthly to
              provide for payment of future items.
         5.   Property inspections have been completed according to the
              provisions of our servicing agreement, if applicable.
         6    All other provisions of the servicing agreement have been adhered
              to.
         7.   To the extent there exist any exceptions to the foregoing that are
              deemed to be material in nature, such exception(s) will be recited
              in an Exhibit attached hereto and accompanied by an explanation
              thereof. In the event no Exhibit is attached hereto, it is to be
              presumed that no exceptions of a material nature to the foregoing
              exist.

    By:

         (Signature)
          Sheryl Court

         (Printed Name)

          Vice President
         (Title)


         (Date)



 EX-99.3 (h)

       AMERICA FIRST   (logo)
       CREDIT UNION

       MORTGAGE LOAN SERVICING

       Wells Fargo Bank Minnesota, N.A.
       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 2000 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

       Chief Financial Officer
       Title

       March 30, 2001
       Date

                                   With You In Mind

    P.O. BOX 9338 * OGDEN, UT 84409 * (801) 778-8485 * SALT LAKE CITY, UT
    (801) 966-5553 EXT. 8485 * WATS-IN-STATE AND OUT-OF-STATE *
    1-800-999-3961 EXT 8485

                                   www.americafirst.com



EX-99.3 (i)

   Chase (logo)
   THE RIGHT RELATIONSHIP IS EVERYTHING


   Chase Manhattan Mortgage Corporation
   3415 Vision Drive
   Columbus, OH 43219
   1-800-848-9136 Customer Service
   1-800-582-0542 TDD / Text Telephone



    Wells Fargo Bank Minnesota, N.A.
    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 2000 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



    Vice President
    Title


    March 30, 2001
    Date





EX-99.3 (k)

    M&T MORTGAGE CORPORATION     (logo)
    A SUBSIDIARY OF M&T BANK
    Over 140 years of Experience Behind Us

    Wells Fargo Bank Minnesota, N.A
    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 2000 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


    Title


    Date




EX-99.3 (l)

    CENDANT   (logo)
    Mortgage

    May 11, 2001

    Wells Fargo
    11000 Broken Land Parkway
    Columbia, MD 21044

    RE: Officer's Certificate
         Annual Certification

    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 calendar year.

    a)  I have reviewed 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)  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 Servicer Guide are in full force and effect;


    d)  To the best of my knowledge, 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 such  insurance  policies are in full
        force and effect;

    e)  To the best of my knowledge, 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) To the best of my knowledge,  all Custodial Accounts have been reconciled
       and are properly funded; and

    g) To the best of my  knowledge,  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:


    Officer - Marc J. Hinkle

    Vice President - Loan Servicing
    Title

    5/11/2001
    Date