EXHIBIT 99.1 -- Independent Accountant's Servicing Report for year ended

a)

[ERNST & YOUNG logo]

                      Ernst & Young LLP            Phone: (720) 931-4000
                      Suite 3300                   Fax:   (720) 931-4444
                      370 17th Street              www.ey.com
                      Denver, Colorado 80202-5663







                  Report of Independent Accountants



Board of Directors
Aurora Loan Services Inc.


We have examined management's assertion, included in the accompanying
report titled Report of Management, that Aurora Loan Services Inc. (the
Company) complied with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP) during the year ended November 30,
2004. Management is responsible for the Company's compliance with those
requirements. Our responsibility is to express an opinion on management's
assertions 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 those requirements 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 specified requirements.

In our opinion, management's assertion that the Company complied with the
aforementioned requirements during the year ended November 30, 2004 is
fairly stated, in all material respects.

This report is intended solely for the information and use of the Board
of Directors, management, the U.S. Department of Housing and Urban
Development, the Government National Mortgage association, and the
Company's private investors and is not intended to be and should not be
used by anyone other than these specified parties.


                                          /s/ Ernst & Young LLP


February 11, 2005

b)
                           [PFSJ logo]
                Payne Falkner Smith & Jones, P.C.
                  Certified Public Accountants




    Report of Independent Auditors on Compliance with Requirements
    of the Uniform Single Attestation Program for Mortgage Bankers


Board of Directors and Stockholder
of Colonial Savings, F.A.

We have examined management's assertion about Colonial Savings, F.A.
("Colonial") 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 September 30, 2004, included in the accompanying management's
assertion about Colonial'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
Colonial'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 Colonial's compliance with the minimum servicing
standards.

In our opinion, management's assertion that Colonial complied with the
aforementioned minimum servicing standards as of and for the year ended
September 30, 2004, is fairly stated, in all material respects.


/s/ Payne Falkner Smith & Jones, P.C.

November 10, 2004



c)

[KPMG LOGO]

KPMG LLP
55 Second Street
San Francisco, CA 94105



               Independent Accountants' Report

The Board of Directors
North Fork Bancorporation, Inc.:


We have examined management's assertion, included in the
accompanying ManagementAssertion, that GreenPoint Mortgage
Funding, Inc., a wholly owned subsidiary of North Fork
Bancorporation, Inc., complied with the minimum servicing
standards set forth 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.
Management is responsible for GreenPoint Mortgage Funding,
Inc.'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 and, accordingly, included
examining, on a test basis, evidence about GreenPoint Mortgage
Funding, Inc.'s compliance with the minimum servicing standards
specified above 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 GreenPoint
Mortgage Funding, Inc.'s compliance with the minimum servicing
standards.


Management identified the following material noncompliance
with minimum servicing standards over mortgage payments as of
and for the year ended December 31, 2004. The mortgage interest
rate changes on certain Home Equity Lines of Credit were not
adjusted at the appropriate date in accordance with the mortgagor's
loan documents. This resulted in the mortgagor being overcharged
for the period from the interest rate change until the correct
effective date, which wasthe first day of the following month.


In our opinion, except for the material noncompliance described
in the third paragraph,management's assertion that GreenPoint
Mortgage Funding, Inc. complied with the aforementioned minimum
servicing standards asof and for the year ended December 31, 2004
is fairly stated, in all material respects.

                                     /s/ KPMG LLP

March 17, 2005