UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C.  20549

                                    FORM 10-K

                   Annual Report Pursuant to Section 13 or 15(d)
                      of the Securities Exchange Act of 1934

                             For the fiscal year ended
                                 December 31, 2006

                      Commission file number: 333-130961-05

                       HarborView Mortgage Loan Trust,
                                Series 2006-3
            (Exact name of issuing entity as specified in its Charter)

                       Greenwich Capital Acceptance, Inc.
               (Exact name of depositor as specified in its Charter)

                     Greenwich Capital Financial Products, Inc.
               (Exact name of sponsor as specified in its Charter)

                  Delaware                                06-1199884
        (State or other jurisdiction                  (I.R.S. Employer
        incorporation or organization)              Identification Number)

          600 Steamboat Road
          Greenwich, Connecticut                         06830
         (Address of principal executive offices)      (Zip Code)

            Registrant's telephone number, including area code:
                               (203) 625-2700

          Securities registered pursuant to Section 12(b) of the Act:
                                     None.

          Securities registered pursuant to Section 12(g) of the Act:
                                     None.

     Indicate by check mark if the registrant is a well-known seasoned
     issuer, as defined in Rule 405 of the Securities Act.  Yes [ ]  No[X]

     Indicate by check mark if the registrant is not required to file
     reports pursuant to Section 13 or Section 15(d) of the Act.  Yes[ ] No[X]

     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 [ ]

     Indicate by check mark if disclosure of delinquent filers pursuant to
     Item 405 of Regulation S-K is not contained herein, and will not be
     contained, to the best of the Registrant's knowledge, in definitive proxy
     or information statements incorporated by reference in Part III of the
     Form 10-K or any amendment to this Form 10-K.         [X]

     Indicate by check mark whether the registrant is a large accelerated
     filer, an accelerated filer, or a non-accelerated filer.  See definition
     of "accelerated filer" in Rule 12b-2 of the Exchange Act.  (Check One):

      Large accelerated filer [  ]  Accelerated Filer [  ]
      Non-accelerated Filer [X]

     Indicate by check mark whether the registrant is a shell company (as
     defined in rule 12b-2 of the Act).  [  ] Yes  [X] No

     State the aggregate market value of the voting and non-voting common
     equity held by non-affiliates computed by reference to the price at
     which the common equity was last sold, or the average bid and asked
     price of such common equity, as of the of the last business day of
     the registrant's most recently completed second fiscal quarter.

     Not applicable.

     Indicate by check mark whether the registrant has filed all documents
     and reports required to be filed by Section 12, 13 or 15(d) of the
     Securities Exchange Act of 1934 subsequent to the distribution of
     securities under a plan confirmed by a court.

     Not applicable.

     Indicate the number of shares outstanding of each of the registrant's
     classes of common stock, as of December 31, 2006.

     Not Applicable.

     DOCUMENTS INCORPORATED BY REFERENCE

     Certain information is incorporated by reference under Additional
     Disclosure Items Pursuant to General Instruction J(2).

     PART I

     ITEM 1.  Business.

     Not Applicable.

     ITEM 1A.  Risk Factors.

     Not Applicable.

     ITEM 1B.  Unresolved Staff Comments

     Not Applicable.

     ITEM 2.  Properties.

     Not Applicable.

     ITEM 3.  Legal Proceedings.

     Not Applicable.

     ITEM 4.  Submission of Matters to a Vote of Security Holders.

     Not Applicable.

     PART II

     ITEM 5.  Market for Registrant's Common Equity, Related Stockholder
     Matters and Issuer Purchases of Equity Securities.

     Not Applicable.

     ITEM 6.  Selected Financial Data.

     Not Applicable.

     ITEM 7.  Management's Discussion and Analysis of Financial Condition and
     Results of Operations.

     Not Applicable.

     ITEM 7A.  Quantitative and Qualitative Disclosures About Market Risk.

     Not Applicable.

     ITEM 8.  Financial Statements and Supplementary Data.

     Not Applicable.

     ITEM 9.  Changes in and Disagreements with Accountants on Accounting and
     Financial Disclosure.

     Not Applicable.

     ITEM 9A.  Controls and Procedures.

     Not Applicable.

     ITEM 9A(T).  Controls and Procedures.

     Not Applicable.

     ITEM 9B. Other Information.

     None.

     PART III

     ITEM 10.  Directors, Executive Officers and Corporate Governance.

     Not Applicable.

     ITEM 11.  Executive Compensation.

     Not Applicable.

     ITEM 12.  Security Ownership of Certain Beneficial Owners and Management
               and Related Stockholder Matters.

     Not Applicable.

     ITEM 13.  Certain Relationships and Related Transactions, and
               Director Independence.

     Not Applicable.

     ITEM 14.  Principal Accounting Fees and Services.

     Not Applicable.

     PART IV

     Additional Items Required by General Instruction J(2)

     Item 1112(b) of Regulation AB, Significant Obligor Financial Information.
     None.

     Item 1114(b)(2) and Item 1115(b) of Regulation AB , Significant
     Enhancement Provider Information.
     None.

     Item 1117 of Regulation AB, Legal Proceedings.
     None.

     Item 1119 of Regulation AB, Affiliations and Certain Relationships and
     Related Transactions.
     None.

     Item 1122 of Regulation AB, Compliance with Applicable Servicing Criteria.
     See Item 15, Exhibits 33.1, 33.2 and 33.3

       Although each servicing criterion required by Item 1122(d) of Regulation
     AB is addressed in one or more of the Assessments of Compliance with
     Servicing Criteria and related Attestation Reports included with this
     report, the Servicer's, Countrywide Financial Corporation, Assessment of
     Compliance and related Attestation Report did not address each of the
     servicing criteria that the Servicer was required to address under the
     terms of the related Servicing Agreement.  The Servicer has not identified
     such failure to provide an Assessment and Attestation for these items as
     a material failure to fulfill its obligations under the related servicing
     agreement in the Servicer's Compliance Statement provided under Item 1123
     of Regulation AB, because the Servicer asserts that those items are not
     applicable to the Servicer.

     Item 1123 of Regulation AB, Servicer Compliance Statement.
     See Item 15, Exhibit 35.1

     ITEM 15. Exhibits, Financial Statement Schedules.

     (a) Exhibits

      4 Pooling and Servicing Agreement dated as of April 1, 2006 among
        Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital
        Financial Products, Inc., as Seller and Deutsche Bank National Trust
        Company, as Trustee (incorporated herein by reference, from Exhibit
        4.1 of the Current Report on Form 8-K of the registrant, as filed
        with the Commission on May 12, 2006).

      10 Incorporated by reference as Exhibit (4).

      31   Section 302 Certification.

      33.1 Servicer's, Countrywide Financial Corporation, Annual Report on
           Assessment of Compliance for Year End December 31, 2006.

      33.2 Custodian's, The Bank of New York, Annual Report on Assessment
           of Compliance for Year End December 31, 2006.

      33.3 Trustee's, Deutsche Bank National Trust Company, Annual Report
           on Assessment of Compliance for Year End December 31, 2006.

      34.1 Servicer's, Countrywide Financial Corporation, Annual
           Attestation Report on Assessment of Compliance with Servicing
           Criteria for Year End December 31, 2006.

      34.2 Custodian's, The Bank of New York, Annual Attestation Report
           on Assessment of Compliance with Servicing Criteria for Year End
           December 31, 2006.

      34.3 Trustee's, Deutsche Bank National Trust Company, Annual
           Attestation Report on Assessment of Compliance with Servicing
           Criteria for Year End December 31, 2006.

      35.1 Servicer's, Countrywide Financial Corporation, Annual Statement
           of Compliance for Year End December 31, 2006.

     (b) See (a) above.

     (c) Not Applicable.


                                      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.


                                 Greenwich Capital Acceptance, Inc.

                                      By:  /s/ Robert McGinnis
                                           Robert McGinnis
                                           President

     Date: March 30, 2007

     EXHIBIT INDEX

     Exhibit Document

      4 Pooling and Servicing Agreement dated as of April 1, 2006 among
        Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital
        Financial Products, Inc., as Seller and Deutsche Bank National Trust
        Company, as Trustee (incorporated herein by reference, from Exhibit
        4.1 of the Current Report on Form 8-K of the registrant, as filed
        with the Commission on May 12, 2006).

      10 Incorporated by reference as Exhibit (4).

      31   Section 302 Certification.

      33.1 Servicer's, Countrywide Financial Corporation, Annual Report on
           Assessment of Compliance for Year End December 31, 2006.

      33.2 Custodian's, The Bank of New York, Annual Report on Assessment
           of Compliance for Year End December 31, 2006.

      33.3 Trustee's, Deutsche Bank National Trust Company, Annual Report
           on Assessment of Compliance for Year End December 31, 2006.

      34.1 Servicer's, Countrywide Financial Corporation, Annual
           Attestation Report on Assessment of Compliance with Servicing
           Criteria for Year End December 31, 2006.

      34.2 Custodian's, The Bank of New York, Annual Attestation Report
           on Assessment of Compliance with Servicing Criteria for Year End
           December 31, 2006.

      34.3 Trustee's, Deutsche Bank National Trust Company, Annual
           Attestation Report on Assessment of Compliance with Servicing
           Criteria for Year End December 31, 2006.

      35.1 Servicer's, Countrywide Financial Corporation, Annual Statement
           of Compliance for Year End December 31, 2006.