Exhibit 99.1

[PriceWaterhouseCoopers Letterhead]

                                                PriceWaterhouseCoopers LLP
                                                PriceWaterhouseCoopers Center
                                                300 Madison Avenue
                                                New York NY 10017
                                                Telephone 646 471 3000
                                                Facsimile (813) 286 6000

                        Report of Independent Accountants

To the Board of Directors and Stockholder
of Chase Home Finance LLC:

We have examined management's assertion about Chase Home Finance LLC's (formally
known as Chase Manhattan Mortgage Corporation) (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, 2004 included in the accompanying
management assertion (see Exhibit I). 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 minimun servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimun servicing standards as of and for the year ended December
31, 2004 is fairly stated, in all material respects.


/s/PriceWaterhouseCoopers LLP
-----------------------------

March 11, 2005

<PAGE>

                                                                    Exhibit 99.1

                       [Chase Home Finance LLC Letterhead]

                                                                       Exhibit I

                      Management's Assertion Concerning Compliance
                      with USAP Minimum Servicing Standards

March 11, 2005

As of and for the year ended December 31, 2004, Chase Home Finance LLC's
(formally known as Chase Manhattan Mortgage Corporation) (the "Company") has
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"). These standards are
applicable only to the Company's prime and subprime mortgage portfolios.

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


/s/ Thomas L. Wind                        /s/ Scott Powell
---------------------------------         ---------------------------------
Thomas L. Wind                            Scott Powell
Co-Chief Executive Officer                Co-Chief Executive Officer


/s/ Terry L. Gentry
---------------------------------
Terry L. Gentry
SVP of Servicing