Exhibit 34.5



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|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 F 949.553.0168
www.GrantThornton.com
|Board of Directors and Shareholders Redwood
Residential Acquisition Corporation | 

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, 2014, excluding criteria 1122(d)(1)(i)-(iv), 1122(d)(2)(i)-(ii), 1122(d)(2)(iv)-(vii),
1122(d)(3)(i)-(iv), 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, 2014 for the Residential Mortgage Loans Platform is fairly stated, in all material respects.



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|/s/ GRANT THORNTON LLP
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|Irvine, California    
|March 10, 2015        

Grant Thornton LLP

U.S.
member firm of Grant Thornton International Ltd