Exhibit 33.3


                                                            [logo]
                                                    ZC Sterling Corporation
                                                    210 Interstate North Parkway
                                                    Suite 400
                                                    Atlanta, GA 30339

                                                    Tel 770.690.8400
                                                    Fax 770.690.8240
                                                    http://www.zcsterling.com


  Report on Assessment of Compliance with Securities and Exchange Commission's
                        Regulation AB Servicing Criteria

For the calendar year ending December 31 2007, or portion thereof (the
"Period"), ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a subcontractor
for Servicers (also referred to as "Clients" within this report) identified in
Appendix A and the Platform noted therein.

The undersigned Senior Vice Presidents of ZCSIA, have sufficient authority to
make the statements contained in this Assertion and are responsible for
assessing compliance with the servicing criteria applicable to ZCSIA. ZCSIA has
used the servicing criteria set forth in Item 1122 (d) (1) (iv), Item 1122 (d)
(4) (xi), Item 1122 (d) (4) (xii), and Item 1122 (d) (4) (xiii) of Securities
and Exchange Commission's Regulation AB servicing criteria, which are applicable
to the activities performed by ZCSIA with respect to the Clients and the
Platform covered by this report. The remaining servicing criteria set forth in
Item 1122 (d) of the Securities and Exchange Commission's Regulation AB are not
applicable to the activities performed by ZCSIA with respect to the Clients and
the Platform covered by this report. As a subcontractor for Servicer, ZCSIA has
determined that it complied in all material respects with the servicing criteria
listed below. ZCSIA engaged Ernst & Young, LLP ("E&Y"), a registered public
accounting firm, to review ZCSIA's assessment, and E&Y has issued an attestation
report on ZCSIA's assessment of compliance with the applicable servicing
criteria for the Period.

1. ZCSIA maintained a fidelity bond and errors & omissions policy in effect on
ZCSIA throughout the reporting period in the amount of coverage required by the
transaction agreements between the Servicer and ZCSIA (1122(d)(i)(iv)).

2. Payments made on behalf of Servicer's obligor for insurance premiums are made
on or before the related penalty or expiration dates, as indicated on the
appropriate bills or notices for such payments, provided that such support has
been received by the Servicer at least thirty (30) calendar days prior to these
dates, or such other number of days specified in the transaction agreements
between Servicer and ZCSIA (1122(d)(4)(xi)).
<PAGE>


3. Any late payment penalties in connection with any payment for insurance to be
made on behalf of Servicer's obligor are paid from the Servicer's funds or
ZCSIA's funds and not charged to Servicer's obligor, unless the late payment was
due to the obligor's error or omission (1122(d)(4)(xii)),

4. File(s) provided to Servicer from which Servicer may make disbursements made
on behalf of Servicer's obligor are provided to Servicer on an accurate and
timely basis and the information thereon is subject to such controls as are
specified in the transaction agreements between Servicer and ZCSIA
(1122(d)(4)(xiii)).

Sincerely,
ZC STERLING INSURANCE AGENCY, INC.

By: /s/ Arthur J. Castner
   --------------------------------
     Arthur J. Castner

Title: Senior Vice President - Hazard Operations

Date:  February 14,2008


By: /s/ James P. Novak
   --------------------------------
    James P. Novak

Title: Senior Vice President & General Counsel

Date:  February 14, 2008



                                                                               2
<PAGE>

Appendix A
----------

The following is a list of Clients serviced on the ZC Sterling Automated
Tracking Solution (Tracking System) Platform:

      1.    Eastern Savings Bank, FSB
      2.    Midland Mortgage Co.
      3.    Popular Mortgage Servicing, Inc. (f/k/a Equity One, Inc.)
      4.    ResMAE Mortgage Corporation and Residential Mortgage Assistance
            Enterprise, LLC
      5.    Residential Credit Solutions, Inc.
      6.    Wilshire Credit Corporation
      7.    HomeBanc Mortgage Corporation


                                                                               3