Exhibit 99.6

Deloitte
Deloitte & Touche LLP

Suite 3900
111 SW Fifth Avenue
Portland, OR 97204-3642
USA
Tel: +1 503 222 1341
Fax: +1 503 224 2172
www.deloitte.com


REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors
Wishire Credit Corporation

We have examined management's assertion that Wilshire Credit Corporation,
a wholly owned subsidiary of Merrill Lynch Mortgage Capital Inc., a
division of Merrill Lynch & Co., New York, NY (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's Assertion on
Minimum Servicing Standards dated February 28, 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

February 28, 2005




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Wilshire company logo here

MANAGEMENT'S ASSERTION ON
MINIMUM SERVICING STANDARDS

As of and for the year ended December 31, 2004, Wilshire Credit Corporation
has complied, in all material respects, with Wilshire Credit Corporation's
established minimum servicing standards for residential mortgage loans as set
forth in Appendix I (the "Standards").  The Standards are based on the Mortgage
Banker's Association of America's Uniform Single Attestation Program for
Mortgage Bankers.

As of and for this same period, Wilshire Credit Corporation had in
effect an errors and omission policy in the amount of $5,000,000, from
January 1, 2004 through April 30, 2004 and $25,000,000 from May 1, 2004
through December 31, 2004, and a fidelity bond in the amount of $20,000,000
from January 1, 2004 through April 30, 2004 and fidelity bonds in the total
amount of $265,000,000 from May 1, 2004 through December 31, 2004.


/s/: Jay Memmott
     Jay Memmott, President and Chief Executive officer
     Wilshire Credit Corporation
     February 28, 2005

/s/: Russell Campbell
     Russell Campbell, Chief Financial Officer
     Wilshire Credit Corporation
     February 28, 2005


/s/: Ken Frye
     Ken Frye, Senior Vice President
     Wilshire Credit Corporation
     February 28, 2005


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APPENDIX I

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

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.

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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 canceled 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

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

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

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.