GMAC Institutional Capital
                           GMAC-RFC
        Loan Group II; Adjustable Rate Mortgage Loans
                   Cut-off Date: 12/01/2001

1. Portfolio Summary

Number of Loans: 304
Aggreggate Original Loan Balance: $98,878,687.95
Aggregate Current Loan Balance: $84,430,957.68
Average Current Loan Balance: $277,733.41
Minimum Current Loan Balance: $12,482.10
Maximum Current Loan Balance: $1,341,045.01
WA Gross Coupon: 7.395
WA Gross Maximum Rate: 13.006
Note Margin: 2.906
Original Loan Term: 357.07
WA Remaining Loan Term: 273.26
WA Original LTV: 73.43
WA Current LTV: 64.86
Non-Zero WA Credit Score: 706.03


2. Lien Position

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Lien Position                       Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
First Lien                          100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


3. Amort Type

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Amort Type                          Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
ARM                                 100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


4. Loan Type

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Loan Type                           Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
Conv                                 94.9     279    80,102,833
----------------------------------------------------------------
----------------------------------------------------------------
Conv w/MI                             5.1      25     4,328,124
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


5. Current Loan Balance

 ----------------------------------------------------------------
 ----------------------------------------------------------------
 Current                            % Cur
 Loan Balance                        Bal    Count      Total
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 1 - 50,000                            1.0      26       831,007
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 50,001 - 100,000                      1.8      22     1,525,744
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 100,001 - 150,000                     2.7      18     2,265,579
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 150,001 - 275,000                    25.2      95    21,304,014
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 275,001 - 300,700                     7.8      23     6,573,088
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 300,701 - 400,000                    26.5      66    22,411,124
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 400,001 - 500,000                    16.9      32    14,243,472
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 500,001 - 600,000                     5.8       9     4,938,042
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 600,001 - 700,000                     4.4       6     3,749,316
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 700,001 - 800,000                     1.8       2     1,495,139
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 900,001 - 1,000,000                   4.4       4     3,753,389
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 1,000,001 >=                          1.6       1     1,341,045
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 Total:                              100.0     304    84,430,958
 ----------------------------------------------------------------
 ----------------------------------------------------------------

6. Original Loan Balance

----------------------------------------------------------------
----------------------------------------------------------------
Original                           % Cur
Loan Balance                        Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
1 - 50,000                            0.8      21       679,261
----------------------------------------------------------------
----------------------------------------------------------------
50,001 - 100,000                      1.6      22     1,346,789
----------------------------------------------------------------
----------------------------------------------------------------
100,001 - 150,000                     2.1      14     1,756,280
----------------------------------------------------------------
----------------------------------------------------------------
150,001 - 275,000                     8.3      36     7,023,289
----------------------------------------------------------------
----------------------------------------------------------------
275,001 - 300,700                    13.8      48    11,692,540
----------------------------------------------------------------
----------------------------------------------------------------
300,701 - 400,000                    31.1      90    26,227,543
----------------------------------------------------------------
----------------------------------------------------------------
400,001 - 500,000                    19.2      41    16,193,502
----------------------------------------------------------------
----------------------------------------------------------------
500,001 - 600,000                     4.2       8     3,557,880
----------------------------------------------------------------
----------------------------------------------------------------
600,001 - 700,000                     9.3      14     7,882,296
----------------------------------------------------------------
----------------------------------------------------------------
700,001 - 800,000                     1.8       3     1,482,004
----------------------------------------------------------------
----------------------------------------------------------------
800,001 - 900,000                     0.9       1       765,916
----------------------------------------------------------------
----------------------------------------------------------------
900,001 - 1,000,000                   5.3       5     4,482,611
----------------------------------------------------------------
----------------------------------------------------------------
1,000,001 >=                          1.6       1     1,341,045
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


7. Mortgage Rates

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Mortgage Rates                      Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
4.500 - 4.999                         0.0       1        22,344
----------------------------------------------------------------
----------------------------------------------------------------
5.500 - 5.999                         0.8       3       633,314
----------------------------------------------------------------
----------------------------------------------------------------
6.000 - 6.499                         7.5      23     6,300,500
----------------------------------------------------------------
----------------------------------------------------------------
6.500 - 6.999                        25.0      62    21,124,416
----------------------------------------------------------------
----------------------------------------------------------------
7.000 - 7.499                        31.3      83    26,396,393
----------------------------------------------------------------
----------------------------------------------------------------
7.500 - 7.999                        16.9      52    14,310,928
----------------------------------------------------------------
----------------------------------------------------------------
8.000 - 8.499                         3.9      15     3,324,567
----------------------------------------------------------------
----------------------------------------------------------------
8.500 - 8.999                         7.4      32     6,224,905
----------------------------------------------------------------
----------------------------------------------------------------
9.000 - 9.499                         4.5      12     3,821,913
----------------------------------------------------------------
----------------------------------------------------------------
9.500 - 9.999                         1.0       6       807,402
----------------------------------------------------------------
----------------------------------------------------------------
10.000 - 10.499                       0.2       3       195,388
----------------------------------------------------------------
----------------------------------------------------------------
10.500 - 10.999                       0.7       4       622,353
----------------------------------------------------------------
----------------------------------------------------------------
11.000 - 11.499                       0.3       3       215,207
----------------------------------------------------------------
----------------------------------------------------------------
11.500 - 11.999                       0.4       3       318,425
----------------------------------------------------------------
----------------------------------------------------------------
12.500 - 12.999                       0.1       2       112,904
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


8. Net Mortgage Rates

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Net Mortgage Rates                  Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
4.000 - 4.499                         0.0       1        22,344
----------------------------------------------------------------
----------------------------------------------------------------
4.500 - 4.999                         0.2       1       204,283
----------------------------------------------------------------
----------------------------------------------------------------
5.000 - 5.499                         0.5       3       441,513
----------------------------------------------------------------
----------------------------------------------------------------
5.500 - 5.999                         7.2      23     6,040,433
----------------------------------------------------------------
----------------------------------------------------------------
6.000 - 6.499                        25.6      63    21,651,478
----------------------------------------------------------------
----------------------------------------------------------------
6.500 - 6.999                        30.9      82    26,125,897
----------------------------------------------------------------
----------------------------------------------------------------
7.000 - 7.499                        17.2      60    14,549,717
----------------------------------------------------------------
----------------------------------------------------------------
7.500 - 7.999                         3.8      14     3,191,905
----------------------------------------------------------------
----------------------------------------------------------------
8.000 - 8.499                         7.5      24     6,320,479
----------------------------------------------------------------
----------------------------------------------------------------
8.500 - 8.999                         4.0      12     3,387,828
----------------------------------------------------------------
----------------------------------------------------------------
9.000 - 9.499                         1.2       6     1,030,803
----------------------------------------------------------------
----------------------------------------------------------------
9.500 - 9.999                         0.2       3       195,388
----------------------------------------------------------------
----------------------------------------------------------------
10.000 - 10.499                       0.7       4       622,353
----------------------------------------------------------------
----------------------------------------------------------------
10.500 - 10.999                       0.3       4       256,194
----------------------------------------------------------------
----------------------------------------------------------------
11.000 - 11.499                       0.3       2       277,438
----------------------------------------------------------------
----------------------------------------------------------------
12.000 - 12.499                       0.1       2       112,904
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

9. Seasoning (Months)

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Seasoning (Months)                  Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
12-Jan                                3.4      12     2,875,501
----------------------------------------------------------------
----------------------------------------------------------------
13 - 24                               6.9      29     5,845,819
----------------------------------------------------------------
----------------------------------------------------------------
25 - 36                               7.4      32     6,243,799
----------------------------------------------------------------
----------------------------------------------------------------
37 - 48                               9.8      28     8,301,910
----------------------------------------------------------------
----------------------------------------------------------------
49 - 60                               4.7      15     3,930,076
----------------------------------------------------------------
----------------------------------------------------------------
61 - 84                              29.9      69    25,221,341
----------------------------------------------------------------
----------------------------------------------------------------
85 - 120                             15.6      39    13,190,161
----------------------------------------------------------------
----------------------------------------------------------------
121 >=                               22.3      80    18,822,350
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

10. Original Loan to Value

 ----------------------------------------------------------------
 ----------------------------------------------------------------
 Original                           % Cur
 Loan to Value                       Bal    Count      Total
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 0.1 - 50.0                            5.8      17     4,875,562
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 50.1 - 60.0                          10.7      25     9,026,085
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 60.1 - 70.0                          19.6      50    16,539,247
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 70.1 - 80.0                          41.2     125    34,790,579
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 80.1 - 85.0                           8.1      20     6,798,139
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 85.1 - 90.0                           7.8      29     6,555,555
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 90.1 - 100.0                          6.2      35     5,253,886
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 100.1 >=                              0.7       3       591,904
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 Total:                              100.0     304    84,430,958
 ----------------------------------------------------------------
 ----------------------------------------------------------------


11. Current Loan to Value *

----------------------------------------------------------------
----------------------------------------------------------------
Current                            % Cur
Loan to Value *                     Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
0.1 - 50.0                           16.2      53    13,712,034
----------------------------------------------------------------
----------------------------------------------------------------
50.1 - 60.0                          14.5      34    12,280,847
----------------------------------------------------------------
----------------------------------------------------------------
60.1 - 70.0                          29.2      77    24,616,480
----------------------------------------------------------------
----------------------------------------------------------------
70.1 - 80.0                          29.3      91    24,749,053
----------------------------------------------------------------
----------------------------------------------------------------
80.1 - 85.0                           3.8      15     3,219,186
----------------------------------------------------------------
----------------------------------------------------------------
85.1 - 90.0                           2.8      13     2,377,127
----------------------------------------------------------------
----------------------------------------------------------------
90.1 - 100.0                          4.1      21     3,476,230
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

* - calculated as follows:  current  balance to the lesser of appraised value or
sales prices, both at origination.


12. Property Type

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Property Type                       Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
Single Family                        77.6     236    65,529,207
----------------------------------------------------------------
----------------------------------------------------------------
PUD Detached                         16.2      44    13,704,032
----------------------------------------------------------------
----------------------------------------------------------------
Condo                                 2.8       9     2,361,869
----------------------------------------------------------------
----------------------------------------------------------------
Midrise Condo                         0.9       3       733,528
----------------------------------------------------------------
----------------------------------------------------------------
Manufactured                          0.2       3       160,644
----------------------------------------------------------------
----------------------------------------------------------------
PUD Attached                          0.1       2        55,722
----------------------------------------------------------------
----------------------------------------------------------------
2-4 Family                            2.2       7     1,885,956
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

13. Occupancy Status

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Occupancy Status                    Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
Primary Residence                    89.3     265    75,397,352
----------------------------------------------------------------
----------------------------------------------------------------
Non-Owner Occupied                    6.5      28     5,493,381
----------------------------------------------------------------
----------------------------------------------------------------
Second/Vacation                       4.2      11     3,540,224
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

14. Loan Purpose

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Loan Purpose                        Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
Purchase                             35.4     124    29,909,415
----------------------------------------------------------------
----------------------------------------------------------------
Rate & Term Refinance                31.2      83    26,303,829
----------------------------------------------------------------
----------------------------------------------------------------
Equity Refinance                     28.1      80    23,746,216
----------------------------------------------------------------
----------------------------------------------------------------
Cons Perm                             5.3      17     4,471,498
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


15. Credit Score

 ----------------------------------------------------------------
 ----------------------------------------------------------------
                                    % Cur
 Credit Score                        Bal    Count      Total
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 0 - 0                                 2.0      11     1,707,219
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 1 - 499                               0.5       5       393,038
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 500 - 519                             0.8       4       638,627
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 520 - 539                             2.1      13     1,740,378
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 540 - 559                             1.5       8     1,230,036
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 560 - 579                             1.5       7     1,300,781
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 580 - 599                             3.2      12     2,716,876
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 600 - 619                             2.9      11     2,430,796
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 620 - 639                             4.0      14     3,415,956
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 640 - 679                            16.4      48    13,817,820
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 680 - 699                             8.8      22     7,402,414
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 700 - 719                            10.6      27     8,950,028
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 720 - 739                             7.7      23     6,465,224
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 740 - 759                             8.7      24     7,321,404
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 760 or greater                       29.5      75    24,900,361
 ----------------------------------------------------------------
 ----------------------------------------------------------------
 Total:                              100.0     304    84,430,958
 ----------------------------------------------------------------
 ----------------------------------------------------------------


16. Current Delinquency

----------------------------------------------------------------
----------------------------------------------------------------
Current                            % Cur
Delinquency                         Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
0                                    99.4     300    83,920,344
----------------------------------------------------------------
----------------------------------------------------------------
1 - 1                                 0.6       4       510,613
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


17. Geographic Distribution

----------------------------------------------------------------
----------------------------------------------------------------
Geographic                         % Cur
Distribution                        Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
MA                                   26.5      63    22,406,753
----------------------------------------------------------------
----------------------------------------------------------------
CT                                   15.8      42    13,349,986
----------------------------------------------------------------
----------------------------------------------------------------
CA                                   10.4      27     8,789,567
----------------------------------------------------------------
----------------------------------------------------------------
SC                                    5.4      31     4,575,012
----------------------------------------------------------------
----------------------------------------------------------------
GA                                    5.1      20     4,347,947
----------------------------------------------------------------
----------------------------------------------------------------
NY                                    4.3      12     3,658,128
----------------------------------------------------------------
----------------------------------------------------------------
Other                                32.3     109    27,303,565
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


18. Next Rate Adjustment Date

----------------------------------------------------------------
----------------------------------------------------------------
Next Rate                          % Cur
Adjustment Date                     Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
April 2001                            0.1       1        66,177
----------------------------------------------------------------
----------------------------------------------------------------
October 2001                          0.1       1       111,337
----------------------------------------------------------------
----------------------------------------------------------------
December 2001                         4.2      14     3,543,267
----------------------------------------------------------------
----------------------------------------------------------------
January 2002                          5.6      23     4,695,154
----------------------------------------------------------------
----------------------------------------------------------------
February 2002                         2.4      10     2,004,888
----------------------------------------------------------------
----------------------------------------------------------------
March 2002                            4.6      16     3,886,902
----------------------------------------------------------------
----------------------------------------------------------------
April 2002                            6.6      19     5,604,333
----------------------------------------------------------------
----------------------------------------------------------------
May 2002                              4.5      17     3,801,506
----------------------------------------------------------------
----------------------------------------------------------------
June 2002                             3.5      10     2,975,683
----------------------------------------------------------------
----------------------------------------------------------------
July 2002                             6.9      19     5,850,836
----------------------------------------------------------------
----------------------------------------------------------------
August 2002                           8.9      29     7,540,923
----------------------------------------------------------------
----------------------------------------------------------------
September 2002                        5.6      18     4,724,340
----------------------------------------------------------------
----------------------------------------------------------------
October 2002                          7.8      20     6,620,812
----------------------------------------------------------------
----------------------------------------------------------------
November 2002                         9.4      24     7,947,516
----------------------------------------------------------------
----------------------------------------------------------------
December 2002                         2.0       5     1,687,532
----------------------------------------------------------------
----------------------------------------------------------------
January 2003                          2.8       7     2,330,319
----------------------------------------------------------------
----------------------------------------------------------------
February 2003                         4.2       9     3,515,093
----------------------------------------------------------------
----------------------------------------------------------------
March 2003                            2.0       7     1,703,319
----------------------------------------------------------------
----------------------------------------------------------------
April 2003                            2.2       6     1,860,428
----------------------------------------------------------------
----------------------------------------------------------------
May 2003                              0.5       2       455,574
----------------------------------------------------------------
----------------------------------------------------------------
June 2003                             1.2       3     1,000,703
----------------------------------------------------------------
----------------------------------------------------------------
July 2003                             0.9       2       750,142
----------------------------------------------------------------
----------------------------------------------------------------
August 2003                           2.1       6     1,734,354
----------------------------------------------------------------
----------------------------------------------------------------
September 2003                        0.2       2       193,252
----------------------------------------------------------------
----------------------------------------------------------------
December 2003                         0.2       1       162,458
----------------------------------------------------------------
----------------------------------------------------------------
January 2004                          1.3       2     1,115,201
----------------------------------------------------------------
----------------------------------------------------------------
February 2004                         1.0       2       819,578
----------------------------------------------------------------
----------------------------------------------------------------
March 2004                            0.3       1       218,702
----------------------------------------------------------------
----------------------------------------------------------------
April 2004                            1.1       4       936,798
----------------------------------------------------------------
----------------------------------------------------------------
May 2004                              0.2       1       161,609
----------------------------------------------------------------
----------------------------------------------------------------
June 2004                             0.5       2       424,844
----------------------------------------------------------------
----------------------------------------------------------------
July 2004                             2.6       8     2,221,061
----------------------------------------------------------------
----------------------------------------------------------------
August 2004                           1.0       3       806,634
----------------------------------------------------------------
----------------------------------------------------------------
September 2004                        1.0       2       851,929
----------------------------------------------------------------
----------------------------------------------------------------
October 2004                          0.2       1       151,665
----------------------------------------------------------------
----------------------------------------------------------------
November 2004                         1.0       3       826,946
----------------------------------------------------------------
----------------------------------------------------------------
February 2005                         0.5       1       416,907
----------------------------------------------------------------
----------------------------------------------------------------
July 2005                             0.3       1       288,525
----------------------------------------------------------------
----------------------------------------------------------------
December 2005                         0.1       1        73,255
----------------------------------------------------------------
----------------------------------------------------------------
May 2006                              0.4       1       350,457
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------

19. Maximum Mortgage Rates

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Maximum Mortgage Rates              Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
0.000 - 0.499                         0.7       2       566,907
----------------------------------------------------------------
----------------------------------------------------------------
8.500 - 8.999                         0.4       1       296,336
----------------------------------------------------------------
----------------------------------------------------------------
9.500 - 9.999                         1.6       4     1,388,418
----------------------------------------------------------------
----------------------------------------------------------------
10.000 - 10.499                       1.1       3       927,522
----------------------------------------------------------------
----------------------------------------------------------------
10.500 - 10.999                       8.0      15     6,725,409
----------------------------------------------------------------
----------------------------------------------------------------
11.000 - 11.499                       7.0      20     5,872,591
----------------------------------------------------------------
----------------------------------------------------------------
11.500 - 11.999                       6.9      21     5,823,942
----------------------------------------------------------------
----------------------------------------------------------------
12.000 - 12.499                       7.3      20     6,197,434
----------------------------------------------------------------
----------------------------------------------------------------
12.500 - 12.999                      13.2      32    11,182,241
----------------------------------------------------------------
----------------------------------------------------------------
13.000 - 13.499                      16.0      45    13,524,219
----------------------------------------------------------------
----------------------------------------------------------------
13.500 - 13.999                      14.2      49    12,011,136
----------------------------------------------------------------
----------------------------------------------------------------
14.000 - 14.499                       5.9      17     4,983,641
----------------------------------------------------------------
----------------------------------------------------------------
14.500 - 14.999                       4.6      15     3,915,089
----------------------------------------------------------------
----------------------------------------------------------------
15.000 - 15.499                       4.2      13     3,538,844
----------------------------------------------------------------
----------------------------------------------------------------
15.500 - 15.999                       2.9      13     2,469,563
----------------------------------------------------------------
----------------------------------------------------------------
16.000 - 16.499                       1.3       4     1,102,894
----------------------------------------------------------------
----------------------------------------------------------------
16.500 - 16.999                       2.3       6     1,939,535
----------------------------------------------------------------
----------------------------------------------------------------
17.000 - 17.499                       0.6       5       468,461
----------------------------------------------------------------
----------------------------------------------------------------
17.500 - 17.999                       0.7       4       617,048
----------------------------------------------------------------
----------------------------------------------------------------
18.000 - 18.499                       0.4      10       366,174
----------------------------------------------------------------
----------------------------------------------------------------
18.500 - 18.999                       0.5       3       400,650
----------------------------------------------------------------
----------------------------------------------------------------
19.000 - 19.499                       0.1       1        70,246
----------------------------------------------------------------
----------------------------------------------------------------
19.500 - 19.999                       0.1       1        42,658
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


20. Minimum Mortgage Rates

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Minimum Mortgage Rates              Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
0.000 - 0.499                        94.8     271    80,018,074
----------------------------------------------------------------
----------------------------------------------------------------
0.500 - 0.999                         0.3       1       232,473
----------------------------------------------------------------
----------------------------------------------------------------
2.500 - 2.999                         0.5       1       403,006
----------------------------------------------------------------
----------------------------------------------------------------
3.000 - 3.499                         0.6       2       531,644
----------------------------------------------------------------
----------------------------------------------------------------
4.000 - 4.499                         0.0       1        12,482
----------------------------------------------------------------
----------------------------------------------------------------
4.500 - 4.999                         0.6       1       536,143
----------------------------------------------------------------
----------------------------------------------------------------
5.000 - 5.499                         0.3       1       228,889
----------------------------------------------------------------
----------------------------------------------------------------
5.500 - 5.999                         0.2       1       207,497
----------------------------------------------------------------
----------------------------------------------------------------
6.500 - 6.999                         0.2       3       176,188
----------------------------------------------------------------
----------------------------------------------------------------
7.000 - 7.499                         0.3       3       286,261
----------------------------------------------------------------
----------------------------------------------------------------
8.500 - 8.999                         0.0       1        17,206
----------------------------------------------------------------
----------------------------------------------------------------
9.000 - 9.499                         0.5       2       399,914
----------------------------------------------------------------
----------------------------------------------------------------
9.500 - 9.999                         0.5       6       458,227
----------------------------------------------------------------
----------------------------------------------------------------
10.000 - 10.499                       0.1       2       106,986
----------------------------------------------------------------
----------------------------------------------------------------
10.500 - 10.999                       0.5       3       409,551
----------------------------------------------------------------
----------------------------------------------------------------
11.000 - 11.499                       0.1       1        86,423
----------------------------------------------------------------
----------------------------------------------------------------
11.500 - 11.999                       0.2       2       207,088
----------------------------------------------------------------
----------------------------------------------------------------
12.000 - 12.499                       0.1       1        70,246
----------------------------------------------------------------
----------------------------------------------------------------
12.500 - 12.999                       0.1       1        42,658
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


21. Note Margins

----------------------------------------------------------------
----------------------------------------------------------------
                                   % Cur
Note Margins                        Bal    Count      Total
----------------------------------------------------------------
----------------------------------------------------------------
0.500 - 0.999                         0.1       2        44,479
----------------------------------------------------------------
----------------------------------------------------------------
1.500 - 1.999                         0.4       2       376,622
----------------------------------------------------------------
----------------------------------------------------------------
2.000 - 2.499                         3.4       9     2,861,395
----------------------------------------------------------------
----------------------------------------------------------------
2.500 - 2.999                        79.1     220    66,808,780
----------------------------------------------------------------
----------------------------------------------------------------
3.000 - 3.499                        11.7      38     9,900,900
----------------------------------------------------------------
----------------------------------------------------------------
3.500 - 3.999                         0.9       3       743,477
----------------------------------------------------------------
----------------------------------------------------------------
4.000 - 4.499                         0.2       2       145,966
----------------------------------------------------------------
----------------------------------------------------------------
4.500 - 4.999                         1.2       8     1,046,850
----------------------------------------------------------------
----------------------------------------------------------------
5.000 - 5.499                         1.3       8     1,095,903
----------------------------------------------------------------
----------------------------------------------------------------
5.500 - 5.999                         0.7       5       558,701
----------------------------------------------------------------
----------------------------------------------------------------
6.000 - 6.499                         0.3       2       270,435
----------------------------------------------------------------
----------------------------------------------------------------
6.500 - 6.999                         0.2       1       166,101
----------------------------------------------------------------
----------------------------------------------------------------
7.000 - 7.499                         0.1       2       112,904
----------------------------------------------------------------
----------------------------------------------------------------
8.000 - 8.499                         0.4       2       298,445
----------------------------------------------------------------
----------------------------------------------------------------
Total:                              100.0     304    84,430,958
----------------------------------------------------------------
----------------------------------------------------------------


This  information  was prepared for  informational  purposes  only. It is not an
offer to buy or sell any MBS/ABS instrument. In the event of such offering, this
information  is  deemed  superseded  &  amended  entirely  by  a  Prospectus  or
Prospectus Supplement.  It is not an official confirmation of terms and is based
on  information  generally  available to the public from sources  believed to be
reliable.  No  representation  is made of accuracy or  completeness  or that any
returns  indicated  will be  achieved.  Any  changes to  assumptions  may have a
material  impact  on  returns.  Past  performance  is not  indicative  of future
results. The related security may only be transferred in accordance with U.S. or
other relevant  securities laws and according to the terms of such security.  --
Residential Funding  Corporation and affiliates,  Residential Funding Securities
Corporation and RFSC International Limited.
<PAGE>