EX-34.2
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Report of Independent Registered Public Accounting Firm

Taylor, Bean & Whitaker Mortgage Corp.
Ocala, Florida

We have examined Taylor, Bean & Whitaker Mortgage Corp.'s (the "Company's")
compliance with the servicing criteria set forth in Item 1122 (d) of the
Securities and Exchange Commission's Regulation AB for the Residential Mortgage
Loans Platform (the "Platform") described in the accompanying Management's
Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria as
of and for the year ended December 31, 2007, excluding criteria 1122 (d)(1)(iii)
and 1122 (d)(4)(ix), which management has determined are not applicable to the
activities performed by the Company with respect to the Platform. Appendix B to
management's assertion identifies the individual asset-backed transactions
defined by management as constituting the Platform. Management is responsible
for the Company's compliance with the servicing criteria. Our responsibility is
to express an opinion on the Company's compliance with the servicing criteria
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 the applicable servicing criteria, including tests on a sample
basis of the servicing activities related to the Platform, determining whether
the Company performed those selected activities in compliance with the servicing
criteria during the specified period and performing such other procedures as we
considered necessary in the circumstances. Our procedures were limited to
selected servicing activities performed by the Company during the period covered
by this report and, accordingly, such samples may not have included servicing
activities related to each asset-backed transaction included in the Platform.
Further, an examination is not designed to detect noncompliance arising from
errors that may have occurred prior to the period specified above that may have
affected the balances or amounts calculated or reported by the Company during
the period covered by this report. 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 servicing criteria.

As described in management's assertion, for servicing criteria 1122 (d)(2)(i)
and 1122 (d)(4)(xi) the Company has engaged vendors to perform certain
activities required by this servicing criteria. The Company has determined that
these vendors are not considered "servicers" as defined in Item 1101(j) of
Regulation AB, and the Company has elected to take responsibility for assessing
compliance with the servicing criteria applicable to these vendors as permitted
by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of
Publicly Available Telephone Interpretations ("Interpretation 17.06"). As
permitted by Interpretation 17.06, the Company has asserted that it has policies
and procedures in place designed to provide reasonable assurance that the
vendors' activities comply in all material respects with the servicing criteria
applicable to these vendors. The Company is solely responsible for determining
that it meets the SEC requirements to apply Interpretation 17.06 for the vendors
and related criteria as described in its assertion, and we performed no
procedures with respect to the Company's determination of its eligibility to use
Interpretation 17.06.


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Our examination disclosed the following instances of material noncompliance with
criteria 1122 (d)(4)(vii) and 1122 (d)(4)(viii) applicable to the Company during
the year ended December 31, 2007. Foreclosure was not initiated within the
timeframes established by the transaction agreements for two of forty-five loans
tested. Collection efforts were not documented at least monthly in three of
forty-five delinquent accounts tested.

In our opinion, except for the material noncompliance described in the preceding
paragraph, the Company complied, in all material respects, with the
aforementioned applicable servicing criteria for the Residential Mortgage Loans
Platform as of and for the year ended December 31, 2007.

Management's assertion (assessment) includes management's responses to the
material noncompliance identified in our examination. Such responses have not
been subjected to the procedures applied in our examination and, accordingly, we
do not express an opinion or provide any form of assurance on the
appropriateness of the responses or the effectiveness of any corrective actions
described therein.


/s/ Deloitte & Touche LLP


February 7, 2008
Certified Public Accountants

Member of
Deloitte Touche Tohmatsu