EXHIBIT 99.2 -- Report of Independent Accountants

(a)


Deloitte

Deloitte & Touche LLP
Suite 2300
333 Clay Street
Houston, TX 77002-4196
USA

Tel: +1 713 982 2000
Fax: +1 713 982 2001
www.deloitte.com


Report of Independent Registered Public Accounting Firm

To the Partners of Litton Loan Servicing LP:

We have examined management's assertion that Litton
Loan Servicing LP (the Company) has complied as of
and for the year ended December 31, 2004, with its
established minimum servicing standards described
in the accompanying Management Assertion Report
dated February 16, 2005.  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 conducted in accordance with
attestation standards established by the American
Institute of Certified Public Accountants as
adopted by the Public Company Accounting Oversight
Board (United States) and, accordingly, included
examining, on a test basis, evidence about the
Company's compliance with its 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 its 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, 2004, is fairly stated, in all material
respects based on the criteria set forth in Appendix I.

/s/ Deloitte & Touche LLP

Dated: February 16, 2005




APPENDIX I
MINIMUM SERVICING STANDARDS AS SET FORTH
IN THE MORTGAGE BANKERS ASSOCIATION OF AMERICA'S
UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS

I.	CUSTODIAL BANK ACCOUNTS


1.	Reconciliations shall be prepared on a monthly
	basis for all custodial bank accounts and related
	bank clearing accounts.  These reconciliations
	shall:  be mathematically accurate;
	be prepared within forty-five (45) calendar days
	after the cutoff date;
	be reviewed and approved by someone other than
	the person who prepared the reconciliation; and
	document explanations for reconciling items.
	These reconciling items shall be resolved within
	ninety (90) calendar days of their original
	identification.

2.	Funds of the servicing entity shall be advanced
	in cases where there is an overdraft in an
	investor's or a mortgagor's account.

3.	Each custodial account shall be maintained at
	a federally insured depository institution in
	trust for the applicable investor.

4.	Escrow funds held in trust for a mortgagor shall
	be returned to the mortgagor within thirty (30)
	calendar days of payoff of the mortgage loan.

II.	MORTGAGE PAYMENTS

1.	Mortgage payments shall be deposited into the
	custodial bank accounts and related bank clearing
	accounts within two business days of receipt.

2.	Mortgage payments made in accordance with the
	mortgagor's loan documents shall be posted to
	the applicable mortgagor records within two
	business days of receipt.

3.	Mortgage payments shall be allocated to principal,
	interest, insurance, taxes or other escrow items
	in accordance with the mortgagor's loan documents.

4.	Mortgage payments identified as loan payoffs
	shall be allocated in accordance with the
	mortgagor's loan documents.


III.	DISBURSEMENTS

1.	Disbursements made via wire transfer on behalf
	of a mortgagor or investor shall be made only by
	authorized personnel.

2.	Disbursements made on behalf of a mortgagor or
	investor shall be posted within two business
	days to the mortgagor's or investor's records
	maintained by the servicing entity.

3.	Tax and insurance payments shall be made on or
	before the penalty or insurance policy expiration
	dates, as indicated on tax bills and insurance
	premium notices, respectively, provided that
	such support has been received by the servicing
	entity at least thirty (30) calendar days prior
	to these dates.

4.	Any late payment penalties paid in conjunction
	with the payment of any tax bill or insurance
	premium notice shall be paid from the servicing
	entity's funds and not charged to the mortgagor,
	unless the late payment was due to the mortgagor's
	error or omission.

5.	Amounts remitted to investors per the servicer's
	investor reports shall agree with cancelled
	checks, or other form of payment, or custodial
	bank statements.

6.	Unused checks shall be safeguarded so as to
	prevent unauthorized access.


IV.	INVESTOR ACCOUNTING AND REPORTING

1.	The servicing entity's investor reports shall
	agree with, or reconcile to, investors' records
	on a monthly basis as to the total unpaid principal
	balance and number of loans serviced by the
	servicing entity.


V.	MORTGAGOR LOAN ACCOUNTING

1.	The servicing entity's mortgage loan records shall
	agree with, or reconcile to, the records of
	mortgagors with respect to the unpaid principal
	balance on a monthly basis.

2.	Adjustments on ARM loans shall be computed based
	on the related mortgage note and any ARM rider.

3.	Escrow accounts shall be analyzed, in accordance
	with the mortgagor's loan documents, on at least
	an annual basis.

4.	Interest on escrow accounts shall be paid, or
	credited, to mortgagors in accordance with the
	applicable state laws.


VI.	DELINQUENCIES

1.	Records documenting collection efforts shall
	be maintained during the period a loan is in
	default and shall be updated at least monthly.
	Such records shall describe the entity's
	activities in monitoring delinquent loans
	including, for example, phone calls, letters
	and mortgage payment rescheduling plans in
	cases where the delinquency is deemed temporary
	(e.g., illness or unemployment).


VII.	INSURANCE POLICIES

1.	A fidelity bond and errors and omissions
	policy shall be in effect on the servicing
	entity throughout the reporting period in the
	amount of coverage represented to investors in
	management's assertion.


(b)

[PRICEWATERHOUSECOOPERS logo]



PricewaterhouseCoopers LLP
222 Lakeview Avenue
Suite 360
West Palm Beach, FL 33401
Telephone (561) 832 0038
Facsimile (561) 805 8181



INDEPENDENT REGISTERED CERTIFIED PUBLIC ACCOUNTANT'S REPORT

To the Board of Directors of
Ocwen Federal Bank FSB

We have examined management's assertion,
included in the accompanying Management Assertion
on Compliance with USAP, that, except for the
noncompliance related to reconciliations described
in the third paragraph and the noncompliance
related to adjustable rate mortgages described
in the fifth paragraph, Ocwen Federal Bank
FSB (the "Bank") complied with the minimum servicing
standards identified in the Mortgage Bankers
Association of America's ("MBA's") Uniform
Single Attestation Program for Mortgage Bankers
("USAP") as of and for the year ended December
31, 2004, 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 consider 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.

Our examination disclosed noncompliance with
minimum servicing standards related to account
reconciliations and adjustable rate mortgages
applicable to the Bank during the year ended
December 31, 2004. Such noncompliance is described
in the accompanying Management Assertion on
Compliance with USAP.

In our opinion, management's assertion that
the Bank complied with the aforementioned minimum
servicing standards, except for noncompliance as
described in the accompanying Management Assertion
on Compliance with USAP, as of and for the year
ended December 31, 2004 is fairly stated, in all
material respects.

/s/ PricewaterhouseCoopers LLP

March 29, 2005