Ex-99.3 a)

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;

(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.




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/s/ Michael C. Koster

January 5, 2002

Ex-99.3 b)

Mortgage    (logo)


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
    applicable) and Primary Mortgage Insurance Policy (if applicable), with
    respect to each Mortgaged Property, have been paid and that such insurance



<PAGE>

    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)

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
Attn: Master Servicing Department
11000 Broken Land Parkway
Columbia, MD 21044-3562
RE: Annual Certification

Pursuant to the servicing agreement, the undersigned Officer certifies to the
following:

a)  All hazard (or mortgage impairment, if applicable) flood or other casualty
    insurance and primary mortgage guaranty insurance premiums, taxes, ground
    rents, assessments and other changes have been paid by/in connection with
    the Mortgaged Properties;


<PAGE>

b)  All property inspections have been completed;

c)  Compliance relative to Adjustable Rate Mortgages have been met;

d)  Compliance with IRS Foreclosure reporting regulations enacted as IRS Section
    6060J by the Deficit Reduction Act, regarding Acquired and/or Abandonment
    property have been completed;

e)  All loans CMMC services in state that have statutes requiring payment of
    interest on escrow/impound accounts have been completed;

f)  That such officer has confirmed that the Fidelity Bond, the Errors and
    Omissions Insurance Policy, and any other bonds required under the terms of
    the Servicing Agreement are in full force and effect.

g)  Enclosed is a copy of our most recent independent audit statement.

CERTIFIED BY:
/s/ Lucy P. Gambino

DATE: March 29, 2002

Vice President
Chase Manhattan Mortgage Corporation
3415 Vision Drive
Columbus, OH 43219

Ex-99.3 d)

                                                              March 31, 2002

NORWEST BANK MN. N.A
11000 BROKEN LAND PARKWAY
COLUMBIA, MARYLAND 21044
ATTN:

RE:               Mortgage Pass-Through Certificate
                  Series:                            CMI
                  Certificate:
                  Certificate %:    100,00%
                  Pooling & Servicing Agreement Dated   /  /





<PAGE>

                              OFFICER'S CERTIFICATE

Dear Investor:

The activities of CitiMortgage, Inc. performed under the above-captioned
agreement during the preceding calendar year, have been conducted under my
supervision. Based upon a review of those activities and to the best of my
knowledge, CitiMortgage, Inc. has fulfilled all of its obligations under this
agreement.


CITIMORTGAGE, INC.


By: /s/ Patsy M. Barker
    -------------------------------
     Patsy M. Barker
     Vice President


By: /s/ Timothy Klinget
    -------------------------------
     Timothy Klingert
     Assistant Vice President



Ex-99.3 e)

April 11, 2002

Wells Fargo
9062 Old Annapolis Rd. MAC-N2702-011
Columbia, MD 21045


OFFICER'S CERTIFICATE

I, Joseph Candelario, hereby certify that I am the First Vice President,
Loan Administration of Countrywide Home Loans, Inc., fka Countrywide Funding
Corporation. I further certify, with respect to the Servicing Agreements for
Countrywide Mortgage Obligations, Inc., the following:

I have reviewed the activities and performance of the Servicer during the fiscal
year ended December 31, 2001 under the Agreements and, to the best of my
knowledge, based on my review, the Servicer has fulfilled all of its duties,
responsibilities or obligations under the Agreements throughout the fiscal year.


/s/ Joseph Candelario
---------------------
Joseph Candelario
First Vice Preisdent



<PAGE>

Compliance Officer
Loan Administration

Ex-99.3 f)

EMC
Mortgage Corporation (logo)

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the fiscal year ending
11/30/01:

(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 this Officer's 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;

(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 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 is not paid could result in a lien or encumbrance on any
Mortgaged Property, 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; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property


<PAGE>

required per section 6050J and 6050P of the Internal Revenue Code, respectively
have been prepared and filed.

Certified by:

/s/ Sue Stepanek
---------------------
Officer (Sue Stepanek)

Senior Vice President
Title

February 11, 2002
Date

Ex-99.3 g)

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 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),



<PAGE>

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

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

3/28/2002
Date


Ex-99.3 h)

Re:     Officers Statement of Compliance
         Year Ending 2001

Please find below our annual Officers Statement of Compliance for the year
ending 2001 with respect to the mortgage loans serviced by GMAC Mortgage
Corporation ("GMACM") for your institution.

1. A review of the activities of the Seller / Servicer during the preceding
calendar year and of performance according to the Seller / Servicer contract has
been made with the undersigned Officer's supervision, and

2. To the best of the undersigned Officer's knowledge, based on such review, the
Seller / Servicer has fulfilled all its obligations under the Guides for such
year, or if there has been a default in the fulfillment of any such obligation,
such default is listed below, and

3. If applicable, GMACM has filed the information returns with respect to the
receipt of mortgage interest pursuant to Sections 6050H, 6050J and 6050P of



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the Code, received in a trade or business, reports of foreclosures and
abandonment's of any Mortgaged Property and the information returns relating to
cancellation of indebtedness income with respect to any Mortgaged Property.

Known Default   Status  Steps Being Taken To Cure Default

(None)

Servicer:       GMAC Mortgage Corporation

By: /s/ Michael Kacergis

Name:   Michael Kacergis

Title:  Assistant Vice President

Date:   March 25, 2002

Ex-99.3 i)

HOMESIDE
LENDING (LOGO)

July 3, 2002

Ms. Dionne Waldron-Dixon
Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, MID 21045

Re:     Officer's Certificate

Dear Ms. Waldron-Dixon:

The undersigned Officer certifies the following for the 2001 fiscal year:

- 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 this Officer's 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.

- I have confirmed that the Servicer is currently an approved FNMA or FHLMC


<PAGE>

  servicer in good standing.

- 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.

- 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.

- 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.

- All Custodial Accounts have been reconciled and are properly funded.

- 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.

Finally, the Servicer Information Form and our most recent copy of FHLMC Form
16SF are enclosed. The bank statements will be provided under separate cover.
Should you need anything further please contact Lynda M. Pohwat at (904)281-4705
or lmpohwat@homeside.com.

Sincerely,

/s/ Karen Bryan
--------------------------------
Karen Bryan
Vice President