Exhibit 34.5



LOGO



|                                                        |  |                                                                                                     |  |                      
|------------------------------------------------------- |  | --------------------------------------------------------------------------------------------------- |  | ---------------------
|Report of Independent Registered Public Accounting Firm |  | Audit  Tax  Advisory 
Grant Thornton LLP 18400 Von Karman Avenue, Suite 900
Irvine, CA 92612-0525
|                                                        |  |                                                                                                    
|                                                        |  |                                                                                                     |  | T 949.553.1600       
|Board of Directors and Shareholders                     |  |                                                                                                     |  | F 949.553.0168       
|Redwood Residential Acquisition Corporation             |  |                                                                                                     |  | www.GrantThornton.com

We have examined managements assertion, included in the accompanying Assessment of Compliance with Applicable Service
Criteria (Managements Report), that Redwood Residential Acquisition Corporation (the Company) complied with the servicing criteria set forth in Item 1122(d) of the U.S. Securities and Exchange Commissions
Regulation AB for the Residential Mortgage Loans Platform (the Platform) as of and for the year ended December 31, 2015, excluding criteria 1122(d)(1)(i)-(v), 1122(d)(2)(i)-(ii), 1122(d)(2)(iv)-(vii), 1122(d)(3)(i)-(iv), and
1122(d)(4)(i)-(xv), which management has determined are not applicable to the activities performed by the Company with respect to the Platform. The Platform consists of the asset-backed transactions and securities defined by management in Schedule 1
of Managements Report. Management is responsible for the Companys compliance with the applicable servicing criteria. Our responsibility is to express an opinion on managements assertion about the Companys compliance with the
applicable servicing criteria for the Platform based on our examination.

Our examination was conducted in accordance with the standards of 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 for the Platform and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing selected asset-backed transactions and securities constituting the Platform and evaluating whether the Company performed servicing activities related to those transactions
and securities in compliance with the applicable servicing criteria for the period covered by this report. Accordingly, our testing may not have included servicing activities related to each asset-backed transaction or security constituting the
Platform. Further, our examination was not designed to detect material noncompliance that may have occurred prior to the period covered by this report and that may have affected the Companys servicing activities 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 applicable servicing criteria.

In our opinion, managements assertion that Redwood Residential Acquisition Corporation complied with the aforementioned applicable servicing criteria as
of and for the year ended December 31, 2015 for the Residential Mortgage Loans Platform is fairly stated, in all material respects.



LOGO

Irvine, California

March 17,
2015

Grant Thornton LLP

U.S. member firm of Grant
Thornton International Ltd