Carrington Mortgage Loan Trust, Series 2007-RFC1 FWP Free writing prospectus

Filed Pursuant to Rule 433

Registration No. 333-134218

Carrington Mortgage Loan Trust, Series 2007-RFC1

Asset-Backed Pass-Through Certificates

Stanwich Asset Acceptance Company, L.L.C.

Depositor

Carrington Securities, LP

Sponsor

Residential Funding Company, LLC

Seller and Servicer

Homecomings Financial, LLC

Subservicer

Wells Fargo Bank, N.A.

Trustee

Citigroup Global Markets Inc.

Lead Manager

Barclays Capital Inc.

Co-Manager

Residential Funding Securities, LLC

Co-Manager

Carrington Investment Services, LLC

Selected Dealer

STATEMENT REGARDING THIS FREE WRITING PROSPECTUS

The information in this free writing prospectus, if conveyed prior to the time of your contractual commitment to purchase any of the Offered Certificates described herein, supersedes any information contained in any prior similar materials relating to the Offered Certificates. The information in this free writing prospectus is preliminary, and is subject to completion or change by information contained in a preliminary prospectus relating to the Offered Certificates. This free writing prospectus is not required to contain all information that is required to be included in the base prospectus and the prospectus supplement. This free writing prospectus is being delivered to you solely to provide you with information about the offering of the Offered Certificates referred to in this free writing prospectus and to solicit an offer to purchase the Offered Certificates, when, as and if issued. Any such offer to purchase made by you will not be accepted and will not constitute a contractual commitment by you to purchase any of the Offered Certificates, until we have conveyed to you a preliminary prospectus relating to the Offered Certificates and we have accepted your offer to purchase Offered Certificates. This free writing prospectus is not an offer to sell or a solicitation of an offer to buy these securities in any state where such offer, solicitation or sale is not permitted.

Filed Pursuant to Rule 433

Registration No. 333-134218

IMPORTANT NOTICE REGARDING THE CONDITIONS

FOR THIS OFFERING OF ASSET-BACKED SECURITIES

The Offered Certificates referred to in these materials are being offered when, as and if issued. The depositor is not obligated to issue such Offered Certificates or any similar security and the underwriter’s obligation to deliver such Offered Certificates is subject to the terms and conditions of the underwriting agreement with the depositor and the availability of such Offered Certificates when, as and if issued by the issuing entity. You are advised that the terms of the Offered Certificates, and the characteristics of the mortgage loan pool backing them, may change (due, among other things, to the possibility that mortgage loans that comprise the pool may become delinquent or defaulted or may be removed or replaced and that similar or different mortgage loans may be added to the pool, and that one or more classes of Offered Certificates may be split, combined or eliminated), at any time prior to issuance or availability of a final prospectus. You are advised that Offered Certificates may not be issued that have the characteristics described in these materials. The underwriter’s obligation to sell such Offered Certificates to you is conditioned on the mortgage loans and Offered Certificates having the characteristics described in these materials. If for any reason the issuing entity does not deliver such Offered Certificates, the underwriter will notify you, and neither the issuer nor any underwriter will have any obligation to you to deliver all or any portion of the Offered Certificates which you have committed to purchase, and none of the issuing entity nor any underwriter will be liable for any costs or damages whatsoever arising from or related to such non-delivery.

THE DEPOSITOR HAS FILED A REGISTRATION STATEMENT (INCLUDING A PROSPECTUS) WITH THE SECURITIES AND EXCHANGE COMMISSION (THE SEC) FOR THE OFFERING TO WHICH THIS COMMUNICATION RELATES. BEFORE YOU INVEST, YOU SHOULD READ THE PROSPECTUS IN THAT REGISTRATION STATEMENT AND OTHER DOCUMENTS THE DEPOSITOR HAS FILED WITH THE SEC FOR MORE COMPLETE INFORMATION ABOUT THE DEPOSITOR AND THE OFFERING. YOU MAY GET THESE DOCUMENTS AT NO CHARGE BY VISITING EDGAR ON THE SEC WEB SITE AT WWW.SEC.GOV. ALTERNATIVELY, THE DEPOSITOR, ANY UNDERWRITER OR ANY DEALER PARTICIPATING IN THE OFFERING WILL ARRANGE TO SEND YOU THE PROSPECTUS AT NO CHARGE IF YOU REQUEST IT BY CALLING TOLL-FREE 1-800-248-3580.

Carrington Mortgage Loan Trust, Series 2007-RFC1
Fixed Rate Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,554
Aggregate Principal Balance ($): 201,943,714
Weighted Average Current Mortgage Rate (%): 8.614
Weighted Average Margin (%): 0.000
Weighted Average Maximum Rate (%): 0.000
Weighted Average Months to Roll: 0
Weighted Average Stated Original Term (months): 349
Weighted Average Stated Remaining Term (months): 346
Weighted Average Combined Original LTV (%): 80.56
% First Liens: 94.37
% Owner Occupied: 95.41
% Purchase: 20.54
% Full Documentation: 62.80
Non-Zero Weighted Average FICO Score: 612





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               64           $6,595,844.15                  3.27%       8.185%            177           62.34%           62.38%          602       33.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                               13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25 Fixed                                                                1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                            1,242          157,369,059.74                  77.93        8.661            357            77.96            80.48          609        39.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 10YR-IO                                                        1              292,000.00                   0.14        6.625            357            80.00           100.00          630        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                        16            3,386,910.63                   1.68        8.402            357            82.48            90.13          642        42.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed Recast                                                         1              168,088.21                   0.08        7.494            358            58.00            58.00          685        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            83            4,792,036.09                   2.37       11.710            177            97.22            97.22          643        44.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                           107           22,624,952.22                  11.20        7.991            356            76.98            80.21          618        40.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                            11            1,219,069.84                   0.60        8.400            355            84.65            95.86          618        36.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                            15            3,761,189.60                   1.86        7.962            357            83.33            88.53          636        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $221,742.24                  0.11%       5.975%            235           49.27%           49.27%          691       29.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          22            4,629,340.60                   2.29        6.431            346            61.80            62.48          654        34.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          75           16,467,482.62                   8.15        6.808            349            70.52            73.80          642        38.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         105           18,505,948.73                   9.16        7.368            346            72.31            75.52          634        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         242           38,287,968.98                  18.96        7.826            348            74.43            77.31          617        39.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         231           33,829,629.24                  16.75        8.318            347            76.52            79.63          608        38.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         229           30,199,605.57                  14.95        8.776            349            79.30            82.63          601        39.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         144           16,461,856.34                   8.15        9.308            355            80.46            84.04          597        39.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        170           16,903,820.14                   8.37        9.793            351            84.22            85.03          588        37.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        76            7,824,944.22                   3.87       10.292            353            84.11            85.56          590        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        64            6,165,770.65                   3.05       10.745            348            86.85            88.57          592        39.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        49            4,080,726.06                   2.02       11.315            310            90.96            92.71          613        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        58            3,983,221.38                   1.97       11.755            311            91.60            91.66          618        42.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        45            2,401,479.28                   1.19       12.324            267            96.44            96.44          634        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        27            1,508,666.64                   0.75       12.821            282            97.67            97.67          619        45.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8              236,498.96                   0.12       13.322            237           100.00           100.00          613        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   0.10       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.01       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.975%
Maximum: 14.375%
Weighted Average: 8.614%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      167           $5,711,792.66                  2.83%      11.042%            293           87.15%           87.17%          611       39.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                529           40,606,457.85                  20.11        9.326            335            77.24            78.83          603        38.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               405           49,559,267.37                  24.54        8.762            350            76.96            80.27          605        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               217           37,729,699.50                  18.68        8.298            352            78.97            81.14          611        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               101           22,647,676.54                  11.21        8.198            350            78.19            80.35          618        39.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                65           17,561,041.54                   8.70        8.260            349            77.42            80.55          617        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                21            6,826,070.10                   3.38        7.998            339            75.05            77.71          624        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                19            7,031,723.26                   3.48        7.878            347            77.49            82.65          629        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                18            7,620,775.29                   3.77        7.685            357            73.70            77.04          631        35.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 6            2,915,543.84                   1.44        7.565            357            83.29            90.03          628        37.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 3            1,582,325.91                   0.78        6.956            356            78.79            85.61          661        31.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 1              648,270.84                   0.32        6.600            354            80.00            94.99          621        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 1              738,641.39                   0.37        9.950            356            88.10            88.10          564        25.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              764,427.71                   0.38        8.500            357            94.44            94.44          678        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,843.79
Maximum: $764,427.71
Weighted Average: $129,950.91





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                             147          $11,387,880.24                  5.64%       9.668%            177           77.01%           77.04%          620       38.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                              13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,393          188,821,270.24                  93.50        8.557            357            78.06            80.89          611        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 349





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                             147          $11,387,880.24                  5.64%       9.668%            177           77.01%           77.04%          620       38.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                              13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,393          188,821,270.24                  93.50        8.557            357            78.06            80.89          611        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 346





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2              $95,052.00                  0.05%       8.874%            203            7.41%            7.41%          571       48.88%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           3              344,406.06                   0.17        8.097            348            14.17            14.17          593        49.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           2              120,271.78                   0.06        8.094            267            19.65            19.65          648        51.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                          10              917,974.72                   0.45        8.506            326            23.09            23.09          592        34.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           3              163,230.25                   0.08        8.993            232            28.31            28.31          556        30.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                          16            1,436,178.44                   0.71        7.702            318            32.22            32.29          615        28.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          13            1,177,391.44                   0.58        8.433            346            37.63            37.63          572        37.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          27            3,188,220.93                   1.58        7.860            308            42.44            42.44          592        38.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          41            4,356,675.32                   2.16        8.055            322            47.90            47.90          606        34.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          36            5,820,369.50                   2.88        7.933            357            52.99            53.09          585        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          63            8,433,653.05                   4.18        8.061            343            58.01            58.01          591        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          68            9,432,818.65                   4.67        7.805            346            63.13            63.13          605        37.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          92           12,583,528.04                   6.23        8.232            347            68.33            68.33          602        39.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         103           15,583,561.66                   7.72        8.147            341            73.65            73.73          598        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         232           32,379,131.71                  16.03        8.418            349            79.09            79.20          605        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         140           21,207,233.01                  10.50        8.357            354            84.03            84.05          608        39.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         198           28,413,455.46                  14.07        8.907            355            89.14            89.21          606        39.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         128           19,236,826.39                   9.53        9.152            352            92.24            94.29          628        39.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        377           37,053,735.39                  18.35        9.371            336            86.75            99.90          640        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 80.56%





8. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      3             $287,522.38                  0.14%       8.133%            280           71.57%           71.57%          619       29.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     53            5,311,476.99                   2.63        9.357            342            83.31            85.10          601        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     14            1,257,434.67                   0.62        9.864            350            86.85            86.85          577        41.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     46            6,899,312.64                   3.42        8.343            344            77.22            78.51          612        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    123           25,017,061.84                  12.39        8.019            344            73.93            75.69          624        38.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     19            2,842,325.82                   1.41        8.429            352            83.27            89.89          613        38.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     14            3,003,872.05                   1.49        8.014            338            78.97            83.27          621        42.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      4              520,539.49                   0.26        8.305            357            51.17            51.17          599        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      7              677,222.95                   0.34        9.193            348            83.75            91.80          598        43.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    184           26,077,134.33                  12.91        8.224            347            72.26            73.86          609        39.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     57            5,689,210.36                   2.82        9.303            342            81.51            86.02          608        39.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      6            1,717,961.65                   0.85        7.941            354            84.46            86.38          667        43.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     13              882,616.44                   0.44        9.686            357            86.62            88.70          595        33.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      2              210,324.69                   0.10        9.420            357            89.62            89.62          603        38.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     43            6,459,578.51                   3.20        8.855            349            78.90            82.07          602        36.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     42            5,036,941.09                   2.49        8.611            355            82.01            86.04          625        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      6              590,708.58                   0.29        8.503            356            74.17            78.69          628        43.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     24            3,381,885.08                   1.67        8.766            348            85.36            88.08          626        39.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     42            4,548,389.18                   2.25        9.317            348            81.47            81.97          592        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     14            1,804,434.79                   0.89        8.763            350            67.46            67.46          590        41.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     42            7,163,491.13                   3.55        8.438            336            71.39            71.39          606        37.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      6              612,278.09                   0.30        9.095            357            80.25            83.58          583        34.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     60            6,655,237.05                   3.30        9.072            355            82.61            87.39          619        38.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     22            3,260,127.06                   1.61        8.602            333            79.51            81.68          635        37.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     20            1,630,853.61                   0.81        9.230            342            78.63            81.38          587        33.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     31            2,852,962.35                   1.41        9.231            348            81.32            82.85          611        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      2              584,566.49                   0.29        8.038            357            84.83            84.83          656        35.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     37            4,208,137.57                   2.08        9.137            350            80.16            82.76          601        38.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      2              103,268.28                   0.05        9.108            317            83.92            83.92          602        40.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      9            1,059,714.47                   0.52        8.013            339            74.81            80.90          623        45.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     17            3,196,231.30                   1.58        8.052            350            71.09            71.88          611        41.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     13            1,472,880.92                   0.73        8.843            353            85.35            87.57          620        37.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     10            1,383,645.14                   0.69        8.648            341            80.35            83.82          620        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     42            6,683,551.49                   3.31        9.000            306            77.42            79.91          629        42.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     54            5,548,474.71                   2.75        8.663            356            81.35            86.54          606        37.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     35            3,646,604.74                   1.81        8.861            350            82.40            83.35          606        37.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      9            1,376,702.96                   0.68        7.873            352            77.91            81.81          629        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     45            5,150,708.36                   2.55        8.847            348            78.16            79.06          608        38.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      4              837,334.96                   0.41        7.662            334            73.85            73.85          648        42.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     14            1,350,606.76                   0.67        9.253            352            81.24            86.30          607        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      1               68,298.28                   0.03        9.500            357            90.00            90.00          568        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     52            5,251,104.58                   2.60        8.888            353            78.56            83.03          597        37.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    191           19,798,010.81                   9.80        8.860            347            81.04            86.48          608        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     15            1,423,648.40                   0.70        9.130            344            78.75            78.75          608        43.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     41            6,507,590.65                   3.22        8.517            347            76.15            78.38          589        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1               89,723.24                   0.04        8.495            355            64.29            64.29          618        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     19            2,718,592.68                   1.35        8.272            344            80.19            80.61          616        36.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     38            4,490,161.39                   2.22        8.607            351            81.58            84.80          614        39.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      1               50,039.07                   0.02        8.500            358            79.52            79.52          621        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      5              553,213.73                   0.27        8.803            348            75.75            80.17          623        45.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 50





9. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    44           $5,126,347.86                  2.54%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,475          192,680,526.57                  95.41        8.596            346            77.92            80.66          611        39.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            35            4,136,839.37                   2.05        8.959            353            79.91            81.56          633        43.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





10. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,266         $163,363,966.52                 80.90%       8.617%            347           78.22%           80.72%          610       38.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          155           20,648,881.92                  10.23        8.592            344            78.18            81.82          613        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  60            7,185,759.36                   3.56        8.470            347            76.17            78.46          621        42.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            43            6,333,976.59                   3.14        8.577            314            73.88            75.56          636        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     16            1,926,473.61                   0.95        8.836            354            71.01            72.30          598        39.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            9            1,559,462.77                   0.77        8.662            356            74.02            80.60          625        43.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    3              706,889.59                   0.35        9.339            357            78.13            92.15          600        48.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            2              218,303.44                   0.11        9.089            357            85.77            85.77          606        35.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





11. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              850         $121,492,469.95                 60.16%       8.388%            347           75.36%           76.57%          605       38.94%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              400           41,470,092.61                  20.54        9.488            338            86.59            94.57          631        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             304           38,981,151.24                  19.30        8.388            349            76.63            78.07          612        38.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





12. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               76          $11,851,721.69                  5.87%       8.389%            346           80.64%           84.53%          624       36.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                  1,019          126,819,376.90                  62.80        8.454            347            77.02            79.17          602        39.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     29            3,782,658.07                   1.87        8.491            352            80.51            84.16          587        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  430           59,489,957.14                  29.46        9.007            342            79.11            82.49          631        39.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





13. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     553          $59,791,410.57                 29.61%       9.151%            341           78.38%           79.86%          602       38.90%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       1              142,640.75                   0.07        8.375            356            68.10            68.10          679        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     55            9,042,382.58                   4.48        8.531            328            74.98            77.09          616        42.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    124           14,015,863.51                   6.94        9.323            334            84.05            87.08          623        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      2              391,130.56                   0.19        8.597            356            88.23            88.23          665        37.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    785          114,492,902.17                  56.70        8.275            351            77.06            80.29          615        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                     34            4,067,383.66                   2.01        8.010            352            79.55            83.30          602        37.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 34





14. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,338         $190,582,864.59                 94.37%       8.434%            349           76.61%           79.41%          610       39.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     216           11,360,849.21                   5.63       11.639            284            99.81            99.81          644        43.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





15. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              82           $8,923,892.29                  4.42%       9.353%            344           66.24%           66.28%          515       37.29%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             119           14,236,472.39                   7.05        9.155            342            74.57            74.57          539        40.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             182           21,762,037.51                  10.78        8.866            350            73.53            73.59          565        38.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             256           31,235,405.03                  15.47        8.893            345            77.70            79.84          587        39.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             315           41,880,611.98                  20.74        8.581            350            80.15            83.62          613        39.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             290           40,168,997.70                  19.89        8.339            349            78.68            82.03          638        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             214           30,064,426.58                  14.89        8.228            342            81.34            85.41          663        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              93           13,087,608.37                   6.48        8.300            327            79.58            83.98          686        39.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               1              242,198.59                   0.12        7.950            356            90.00            90.00          744        10.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              279,239.42                   0.14        7.990            356            80.00           100.00          754        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

776 - 800                                                               1               62,823.94                   0.03        7.850            356            90.00            90.00          777        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 501
Maximum: 777
Weighted Average: 612





16. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          187          $23,096,836.22                 11.44%       8.478%            345           75.12%           76.56%          613       13.94%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          74            8,084,635.12                   4.00        8.280            343            70.40            71.47          605        21.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         113           16,313,558.46                   8.08        8.416            342            75.21            76.39          609        27.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         155           19,684,862.54                   9.75        8.387            350            77.13            78.54          611        32.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         231           30,228,901.23                  14.97        8.595            347            78.29            81.63          608        37.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         281           36,643,613.82                  18.15        8.706            345            79.51            82.99          614        42.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         357           46,132,070.80                  22.84        8.852            345            80.15            82.98          613        47.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         156           21,759,235.61                  10.77        8.602            347            78.42            82.40          616        50.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 39.26

Carrington Mortgage Loan Trust, Series 2007-RFC1
Adjustable Rate Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 3,433
Aggregate Principal Balance ($): 684,583,234
Weighted Average Current Mortgage Rate (%): 8.454
Weighted Average Margin (%): 6.171
Weighted Average Maximum Rate (%): 14.702
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 360
Weighted Average Stated Remaining Term (months): 357
Weighted Average Combined Original LTV (%): 86.59
% First Liens: 100.00
% Owner Occupied: 94.58
% Purchase: 36.57
% Full Documentation: 47.38
Non-Zero Weighted Average FICO Score: 608





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                             1,684         $283,067,535.08                 41.35%       8.766%            357           81.29%           85.22%          598       40.47%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         3              551,550.00                   0.08        7.871            357            80.55            88.23          626        43.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          4              726,900.00                   0.11        9.495            357            83.96            88.32          632        38.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        336           86,301,188.71                  12.61        7.866            357            81.07            92.66          634        42.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          5            1,425,580.89                   0.21        8.525            355            89.84            93.40          603        36.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               370           63,377,627.67                   9.26        8.565            356            81.75            84.51          604        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 3YR-IO                                                          1              173,600.00                   0.03        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         62           14,645,511.29                   2.14        7.775            356            82.96            90.24          633        42.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         668          164,981,268.89                  24.10        8.397            356            80.56            85.79          606        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                         149           34,105,306.86                   4.98        8.237            356            82.27            85.70          616        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                          30            6,204,426.13                   0.91        7.880            357            80.48            84.51          617        34.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                          14            2,869,783.87                   0.42        8.420            356            81.34            90.86          615        38.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           3              495,406.36                   0.07        7.559            355            80.00           100.00          646        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          48           12,067,778.44                   1.76        8.000            357            80.27            89.39          639        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                          12            3,108,367.78                   0.45        8.360            357            82.84            87.94          628        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           8            1,210,580.99                   0.18        8.226            357            81.57            81.57          573        33.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 9            1,690,876.01                   0.25        7.550            357            79.05            91.45          614        36.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         2              499,000.00                   0.07        8.797            357            93.33            93.33          639        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                         25            7,080,944.99                   1.03        7.570            357            81.50            92.79          636        35.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          12           $4,210,211.75                  0.62%       5.817%            356           70.84%           75.89%          640       41.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          41           11,974,632.48                   1.75        6.299            356            78.36            85.96          644        42.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         145           37,161,995.36                   5.43        6.849            356            76.25            83.90          626        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         269           66,256,460.13                   9.68        7.324            357            77.34            85.31          624        40.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         612          137,662,054.17                  20.11        7.815            357            79.12            87.31          623        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         589          116,983,254.87                  17.09        8.293            357            80.88            86.20          610        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         688          131,542,435.41                  19.21        8.803            357            82.70            86.76          601        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         423           76,174,107.04                  11.13        9.300            357            84.58            87.25          592        41.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        377           61,385,533.89                   8.97        9.788            357            84.79            87.34          584        40.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       147           22,633,473.13                   3.31       10.262            356            86.99            89.24          590        41.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                       104           15,318,262.91                   2.24       10.773            356            83.94            87.59          585        41.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        16            2,044,857.67                   0.30       11.193            356            85.38            87.10          584        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         6              787,726.89                   0.12       11.662            355            85.79            85.79          551        44.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         4              448,228.26                   0.07       12.185            356            68.10            68.90          598        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.625%
Maximum: 12.225%
Weighted Average: 8.454%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       21             $894,967.92                  0.13%       9.375%            357           55.51%           55.51%          564       33.93%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                556           44,423,355.79                   6.49        9.099            357            78.90            82.79          590        37.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               886          111,328,696.47                  16.26        8.746            357            80.74            85.98          599        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               683          119,199,674.31                  17.41        8.577            357            81.36            86.70          602        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               460          102,962,781.95                  15.04        8.399            357            81.27            86.35          608        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               263           71,894,292.13                  10.50        8.414            357            80.59            85.30          608        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                               187           60,088,807.54                   8.78        8.137            356            81.46            86.77          620        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                               130           48,616,093.63                   7.10        8.273            357            82.99            88.92          617        42.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                91           38,697,764.46                   5.65        8.085            356            82.69            88.64          621        40.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                59           28,117,710.27                   4.11        8.074            356            80.47            87.67          616        44.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                38           19,970,155.61                   2.92        8.144            356            79.75            87.49          629        42.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                26           14,963,120.39                   2.19        7.870            356            83.05            93.20          640        40.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                11            6,915,662.53                   1.01        8.354            356            83.90            91.15          634        34.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 9            6,031,507.41                   0.88        8.143            356            83.93            88.34          595        38.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 5            3,615,659.20                   0.53        8.212            356            84.17            84.17          599        45.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              778,482.21                   0.11        8.200            357            78.00            78.00          578        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 3            2,495,984.07                   0.36        9.707            356            89.50            89.50          587        36.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

850,000.01 - 900,000.00                                                 2            1,778,270.89                   0.26        8.161            357            72.94            72.94          588        28.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

900,000.01 - 950,000.00                                                 2            1,810,247.18                   0.26        8.921            357            92.49            92.49          637        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,971.78
Maximum: $908,178.92
Weighted Average: $199,412.54





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 360
Maximum: 360
Weighted Average: 360





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 352
Maximum: 358
Weighted Average: 357





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            1              $69,914.88                  0.01%       8.500%            358           10.00%           10.00%          526       31.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           2              120,694.61                   0.02        8.482            357            14.02            14.02          620        36.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           4              447,473.98                   0.07       10.101            357            18.33            18.33          557        28.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           4              226,060.82                   0.03        9.473            357            22.62            22.62          519        26.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           8              608,038.72                   0.09        9.175            357            27.17            27.17          532        29.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           7              767,992.69                   0.11        8.430            357            33.28            33.28          576        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          26            3,340,104.07                   0.49        8.169            357            37.38            37.38          577        33.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          17            2,576,807.59                   0.38        8.499            356            42.76            42.76          571        38.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          36            6,523,117.56                   0.95        8.200            357            48.32            48.32          576        41.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          38            6,998,332.00                   1.02        8.158            357            52.67            52.67          576        42.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          78           12,961,164.50                   1.89        8.075            357            58.12            58.12          583        37.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                         117           21,961,596.17                   3.21        8.151            357            63.57            63.57          572        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                         145           27,685,456.30                   4.04        8.091            357            68.62            68.62          587        38.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         224           43,954,417.21                   6.42        8.392            357            73.93            73.93          578        40.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         419           86,903,956.32                  12.69        8.304            357            79.31            79.31          595        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         359           69,738,645.63                  10.19        8.561            357            84.03            84.35          592        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         612          122,495,201.73                  17.89        8.768            357            89.43            89.60          603        40.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         410           84,655,688.24                  12.37        8.984            356            93.17            94.68          621        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        926          192,548,570.94                  28.13        8.194            357            81.71            99.92          638        41.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 10.00%
Maximum: 100.00%
Weighted Average: 86.59%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1             $194,597.61                  0.03%       5.825%            358           68.42%           68.42%          671       51.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           5              660,194.30                   0.10        7.442            356            61.20            62.46          635        46.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                          16            3,575,362.84                   0.52        6.897            357            68.11            69.35          616        38.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          47            9,497,562.43                   1.39        7.112            357            70.90            75.74          614        39.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                         131           25,902,461.98                   3.78        7.527            357            74.92            78.57          613        39.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                         241           47,359,226.14                   6.92        7.796            357            79.33            84.23          612        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         395           73,892,804.26                  10.79        8.205            357            80.61            87.08          612        40.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         604          119,780,549.26                  17.50        8.379            357            81.18            86.76          608        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         839          178,438,695.51                  26.07        8.326            357            81.50            87.82          610        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         505          100,612,490.17                  14.70        8.675            356            81.96            87.64          608        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         289           51,576,887.58                   7.53        9.140            356            81.95            85.80          593        40.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         308           64,763,644.97                   9.46        9.301            356            85.43            89.16          611        40.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          35            6,344,093.70                   0.93        9.752            355            83.92            86.21          584        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           8              977,895.90                   0.14       10.338            356            89.86            89.86          603        44.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           3              330,081.66                   0.05       10.339            356            91.30            91.30          614        32.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          5              614,687.37                   0.09       11.345            356            80.12            80.70          577        43.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.01       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 10.225%
Non-Zero Weighted Average: 6.171%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1             $194,597.61                  0.03%       5.825%            358           68.42%           68.42%          671       51.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           2              290,485.09                   0.04        7.107            357            61.26            61.26          624        49.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                          13            2,780,662.18                   0.41        7.005            357            66.07            66.76          599        43.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          33            6,615,541.10                   0.97        7.232            357            68.80            71.28          605        41.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          93           17,727,319.18                   2.59        7.634            357            74.19            76.07          608        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                         162           30,697,638.71                   4.48        8.034            357            80.04            84.33          600        41.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         187           32,439,378.16                   4.74        8.513            357            80.77            85.01          600        42.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         204           36,512,181.40                   5.33        8.608            357            81.49            85.07          595        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         168           32,046,654.54                   4.68        8.196            357            83.70            87.46          615        42.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         204           43,679,531.60                   6.38        7.496            356            79.19            85.66          619        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         257           60,136,747.83                   8.78        7.628            356            80.34            88.51          625        40.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         465          110,360,828.78                  16.12        7.856            356            79.98            89.45          628        40.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         384           79,413,246.20                  11.60        8.274            356            80.70            86.54          615        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         481           96,263,781.37                  14.06        8.805            356            82.51            86.80          603        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         283           54,193,119.30                   7.92        9.290            356            83.85            86.84          591        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        276           48,093,872.92                   7.03        9.792            356            84.36            87.25          584        39.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       107           17,049,631.33                   2.49       10.252            356            86.67            89.65          592        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        91           13,217,349.43                   1.93       10.770            356            83.24            87.37          585        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        15            1,984,919.02                   0.29       11.191            356            85.95            87.72          586        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         5              648,617.66                   0.09       11.664            355            84.88            84.88          549        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              237,130.55                   0.03       12.225            357            39.70            41.22          573        34.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 12.225%
Non-Zero Weighted Average: 7.706%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2             $295,283.17                  0.04%       7.658%            358           75.49%           88.72%          605       45.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         8            2,236,509.78                   0.33        6.428            356            75.92            80.30          662        37.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        32            9,122,217.21                   1.33        6.386            356            77.63            85.74          642        43.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        98           24,384,262.72                   3.56        6.779            356            75.14            82.49          625        40.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                       198           48,674,091.39                   7.11        7.259            356            76.70            82.82          621        40.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       528          120,656,357.08                  17.62        7.703            357            78.94            86.16          622        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       559          111,999,552.34                  16.36        8.126            357            80.72            87.07          615        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       670          132,801,395.19                  19.40        8.555            357            82.24            87.85          608        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       436           80,467,719.02                  11.75        8.971            357            83.49            86.96          599        42.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       462           79,089,751.54                  11.55        9.394            357            83.42            87.08          591        40.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                       217           39,140,388.79                   5.72        9.747            356            85.66            88.80          591        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                       147           24,384,541.21                   3.56       10.252            356            83.55            86.92          581        40.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        38            5,774,333.98                   0.84       10.520            356            84.42            86.20          585        42.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        27            3,828,651.59                   0.56       10.816            357            82.71            83.28          576        44.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         6              974,807.92                   0.14       11.418            356            88.69            89.06          578        38.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         4              588,410.62                   0.09       11.655            355            84.88            84.88          554        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.02       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.250%
Maximum: 19.225%
Non-Zero Weighted Average: 14.702%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  47           $6,928,752.81                  1.01%       9.199%            357           82.32%           90.56%          609       41.69%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               3,386          677,654,481.15                  98.99        8.447            357            81.21            86.55          608        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.495%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                               2,922         $564,864,623.89                 82.51%       8.501%            357           81.62%           86.83%          609       40.76%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 508          118,997,736.53                  17.38        8.231            357            79.33            85.50          606        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   2              625,040.44                   0.09        8.964            355            81.22            81.22          688        50.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.000                                                                   1               95,833.10                   0.01        8.750            357            80.00            80.00          560        22.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 3.000%
Non-Zero Weighted Average: 1.088%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                3             $800,165.87                  0.12%       8.563%            352           77.06%           77.06%          593       38.65%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                              12            2,110,342.78                   0.31        8.944            353            83.76            86.86          590        37.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              78           16,242,890.22                   2.37        8.356            354            82.44            90.81          613        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           325           72,477,345.12                  10.59        8.420            355            81.33            86.95          604        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        446           84,763,236.20                  12.38        8.794            356            81.05            88.03          611        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                        1,582          318,288,689.67                  46.49        8.427            357            80.99            86.54          608        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                         316           57,308,916.02                   8.37        8.556            358            80.50            84.34          602        40.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.01        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2009                                                               1               64,526.35                   0.01        8.625            353            80.00            80.00          530        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                              20            2,858,846.63                   0.42        8.183            354            82.23            94.13          611        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                           143           30,695,439.58                   4.48        8.046            355            80.28            84.10          614        42.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         83           18,177,099.03                   2.66        8.776            356            86.56            88.73          614        42.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                          278           53,525,747.71                   7.82        8.407            357            81.66            85.52          613        40.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          71           10,500,160.66                   1.53        8.311            358            81.72            84.24          601        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2011                                                               1              163,294.18                   0.02        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             4              924,438.00                   0.14        8.036            355            80.83            80.83          600        31.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          7            1,722,757.55                   0.25        8.067            356            78.70            91.84          627        36.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           57           12,829,476.51                   1.87        7.670            357            81.39            89.08          626        35.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           5            1,045,861.88                   0.15        8.245            358            83.95            85.31          595        36.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      8           $1,391,709.97                  0.20%       9.041%            356           85.80%           85.80%          610       42.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     77            9,820,594.48                   1.43        9.130            357            86.74            90.08          599        39.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     18            1,872,215.29                   0.27        8.745            357            81.01            90.11          602        35.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                    178           35,331,990.96                   5.16        8.187            357            80.15            86.18          612        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    394          134,086,657.33                  19.59        7.877            356            78.73            85.65          618        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     54            9,763,509.36                   1.43        8.292            357            82.91            92.25          622        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     39            8,192,333.30                   1.20        8.426            357            79.19            83.09          591        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      3              784,919.17                   0.11        8.073            357            80.66            80.66          602        43.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                     16            3,584,791.34                   0.52        8.114            357            83.14            91.28          615        36.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    443           88,078,992.10                  12.87        8.560            357            80.54            85.77          604        40.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                    114           18,517,156.80                   2.70        8.927            357            83.81            89.97          602        41.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                     11            3,979,896.51                   0.58        7.589            356            73.93            79.84          608        44.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     10            1,245,424.64                   0.18        9.194            357            81.11            84.17          595        40.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                     11            1,941,192.01                   0.28        8.140            357            81.46            83.71          617        36.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                    154           29,544,608.36                   4.32        8.784            357            82.57            87.00          611        42.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     68            7,798,549.83                   1.14        8.985            357            86.93            88.95          596        35.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                     10            1,076,743.35                   0.16        9.755            357            86.65            86.65          600        37.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     27            2,810,634.13                   0.41        8.717            357            83.03            86.64          598        38.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     50            7,200,113.53                   1.05        9.062            357            86.38            90.03          594        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     44           11,967,767.36                   1.75        8.588            356            79.23            83.08          596        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                    113           29,975,318.66                   4.38        8.275            356            78.61            81.62          600        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                     18            2,588,526.02                   0.38        8.349            357            78.74            87.03          615        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                    122           16,373,547.76                   2.39        8.913            356            82.42            89.27          608        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                    100           17,222,733.73                   2.52        8.790            357            83.59            89.64          618        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     65            7,788,693.55                   1.14        9.027            357            84.34            88.96          604        39.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     32            3,831,552.55                   0.56        9.059            357            82.84            86.02          594        40.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      7            1,235,144.96                   0.18        8.516            357            65.93            65.93          587        31.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     75           11,863,125.54                   1.73        8.840            356            85.93            92.44          606        40.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      3              340,590.40                   0.05        8.938            357            97.12            97.12          627        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                     10            1,070,184.00                   0.16        9.304            357            87.97            92.19          604        42.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                     18            3,360,823.99                   0.49        8.479            356            81.42            88.35          604        44.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     96           25,719,449.79                   3.76        8.762            356            81.86            84.26          612        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     18            2,823,066.81                   0.41        8.838            357            82.28            86.26          610        38.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     46           11,529,033.15                   1.68        8.166            357            78.61            83.61          602        39.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     97           29,974,330.15                   4.38        8.243            356            80.09            85.62          622        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     69            8,553,072.68                   1.25        8.821            356            84.59            89.94          602        41.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     18            2,161,207.17                   0.32        8.480            357            85.13            91.09          610        37.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     39            7,857,437.90                   1.15        8.425            357            80.73            88.52          609        39.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     96           14,384,026.95                   2.10        8.705            357            82.78            86.26          597        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                     16            3,760,355.97                   0.55        8.348            356            80.80            85.17          592        41.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     38            5,289,187.47                   0.77        9.395            357            85.50            89.33          598        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      2              258,253.16                   0.04        8.851            357            90.00            90.00          631        38.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     53            6,902,661.68                   1.01        8.722            357            85.75            92.01          602        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    164           24,667,020.83                   3.60        8.800            357            82.81            91.47          607        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     49            8,338,844.29                   1.22        8.310            357            79.27            84.99          604        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     94           17,262,464.58                   2.52        8.271            357            79.85            81.99          598        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      6              905,445.87                   0.13        8.385            355            79.20            83.20          582        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     79           15,791,334.66                   2.31        8.299            357            83.23            87.98          609        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                    147           21,586,013.69                   3.15        8.912            357            84.94            88.99          603        41.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      7              843,312.24                   0.12        9.197            357            84.05            84.05          558        37.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      7            1,336,673.94                   0.20        8.779            357            83.30            89.67          624        42.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 51





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                   129          $20,517,605.11                  3.00%       8.900%            356           80.85%           81.18%          635       39.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   3,233          647,510,129.27                  94.58        8.422            357            81.02            86.68          607        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            71           16,555,499.58                   2.42        9.169            356            89.37            89.98          629        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            2,604         $502,752,536.42                 73.44%       8.437%            357           81.03%           86.00%          606       40.55%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          381           90,486,645.66                  13.22        8.454            357            81.86            88.69          611        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                           154           35,840,957.95                   5.24        8.482            356            80.58            86.19          622        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                 180           33,725,091.27                   4.93        8.508            356            81.74            88.86          623        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           49           10,212,770.62                   1.49        8.787            357            83.19            89.16          604        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     47            7,490,575.29                   1.09        8.457            357            81.86            85.07          600        38.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    8            2,062,624.26                   0.30        9.185            356            87.22            94.14          616        39.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     4              998,486.46                   0.15        8.861            358            84.06            98.17          643        42.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            5              882,546.03                   0.13        9.271            356            90.91            94.72          601        43.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Leasehold                                                               1              131,000.00                   0.02        7.875            358            58.22            58.22          582        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                            1,850         $375,477,266.18                 54.85%       8.439%            357           79.47%           81.02%          596       40.95%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                            1,251          250,372,263.77                  36.57        8.537            357            83.84            95.06          626        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             328           58,333,329.70                   8.52        8.203            357            81.25            86.19          610        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  4              400,374.31                   0.06        8.039            357            75.12            75.12          619        42.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                              183          $43,079,607.23                  6.29%       8.374%            356           83.92%           89.29%          603       39.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                  1,837          324,360,311.48                  47.38        8.238            357            80.86            85.59          594        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     52            8,873,361.31                   1.30        8.467            356            82.46            86.00          576        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                1,361          308,269,953.94                  45.03        8.693            357            81.19            87.29          625        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     943         $190,436,534.57                 27.82%       8.768%            357           81.15%           85.24%          608       41.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       2              298,539.27                   0.04       10.608            355            89.20            89.20          580        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                    190           45,829,875.30                   6.69        8.479            356            80.00            85.49          609        40.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                  1,841          359,822,321.32                  52.56        8.358            357            81.13            87.20          607        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      2              353,419.01                   0.05        7.642            355            89.54            97.38          641        32.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    453           87,478,228.99                  12.78        8.153            356            82.32            87.53          614        40.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      2              364,315.50                   0.05        8.129            356            84.95            98.35          621        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 25





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               5             $781,920.26                  0.11%       9.143%            357           76.69%           76.69%          500       37.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                             202           31,079,098.40                   4.54        9.083            357            70.41            70.81          514        40.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             292           48,484,729.89                   7.08        9.047            357            76.23            76.32          539        39.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             410           76,378,356.23                  11.16        8.761            356            79.00            79.19          564        40.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             644          122,638,145.80                  17.91        8.586            357            82.68            85.69          588        41.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             779          157,711,065.92                  23.04        8.462            357            82.61            88.43          613        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             572          122,909,844.57                  17.95        8.193            357            82.59            91.41          638        40.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             344           77,036,670.32                  11.25        8.026            357            82.71            93.05          662        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             179           46,385,917.43                   6.78        7.935            356            82.67            92.68          686        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.05        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               1              169,588.05                   0.02        7.990            356            95.00            95.00          750        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               4              688,246.66                   0.10        8.120            356            83.08            94.91          760        33.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 765
Weighted Average: 608





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          187          $31,346,103.16                  4.58%       8.369%            357           80.95%           86.01%          611       12.45%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                         130           18,917,147.77                   2.76        8.673            357            77.96            82.52          602        22.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         219           41,595,934.45                   6.08        8.389            357            79.69            83.92          606        27.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         321           58,588,060.94                   8.56        8.440            357            80.03            83.69          602        32.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         460           90,930,983.57                  13.28        8.460            356            80.76            85.63          608        37.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         702          139,040,065.81                  20.31        8.440            357            81.72            86.61          609        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         969          208,674,680.51                  30.48        8.492            357            81.79            88.29          612        47.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         445           95,490,257.75                  13.95        8.409            356            81.83            87.74          605        50.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              3,433         $684,583,233.96                100.00%       8.454%            357           81.22%           86.59%          608       40.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 54.00
Weighted Average: 40.82

Carrington Mortgage Loan Trust, Series 2007-RFC1
Fixed Rate Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,554
Aggregate Principal Balance ($): 201,943,714
Weighted Average Current Mortgage Rate (%): 8.614
Weighted Average Margin (%): 0.000
Weighted Average Maximum Rate (%): 0.000
Weighted Average Months to Roll: 0
Weighted Average Stated Original Term (months): 349
Weighted Average Stated Remaining Term (months): 346
Weighted Average Combined Original LTV (%): 80.56
% First Liens: 94.37
% Owner Occupied: 95.41
% Purchase: 20.54
% Full Documentation: 62.80
Non-Zero Weighted Average FICO Score: 612





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               64           $6,595,844.15                  3.27%       8.185%            177           62.34%           62.38%          602       33.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                               13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25 Fixed                                                                1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                            1,242          157,369,059.74                  77.93        8.661            357            77.96            80.48          609        39.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 10YR-IO                                                        1              292,000.00                   0.14        6.625            357            80.00           100.00          630        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                        16            3,386,910.63                   1.68        8.402            357            82.48            90.13          642        42.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed Recast                                                         1              168,088.21                   0.08        7.494            358            58.00            58.00          685        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            83            4,792,036.09                   2.37       11.710            177            97.22            97.22          643        44.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                           107           22,624,952.22                  11.20        7.991            356            76.98            80.21          618        40.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                            11            1,219,069.84                   0.60        8.400            355            84.65            95.86          618        36.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                            15            3,761,189.60                   1.86        7.962            357            83.33            88.53          636        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $221,742.24                  0.11%       5.975%            235           49.27%           49.27%          691       29.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          22            4,629,340.60                   2.29        6.431            346            61.80            62.48          654        34.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          75           16,467,482.62                   8.15        6.808            349            70.52            73.80          642        38.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         105           18,505,948.73                   9.16        7.368            346            72.31            75.52          634        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         242           38,287,968.98                  18.96        7.826            348            74.43            77.31          617        39.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         231           33,829,629.24                  16.75        8.318            347            76.52            79.63          608        38.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         229           30,199,605.57                  14.95        8.776            349            79.30            82.63          601        39.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         144           16,461,856.34                   8.15        9.308            355            80.46            84.04          597        39.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        170           16,903,820.14                   8.37        9.793            351            84.22            85.03          588        37.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        76            7,824,944.22                   3.87       10.292            353            84.11            85.56          590        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        64            6,165,770.65                   3.05       10.745            348            86.85            88.57          592        39.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        49            4,080,726.06                   2.02       11.315            310            90.96            92.71          613        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        58            3,983,221.38                   1.97       11.755            311            91.60            91.66          618        42.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        45            2,401,479.28                   1.19       12.324            267            96.44            96.44          634        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        27            1,508,666.64                   0.75       12.821            282            97.67            97.67          619        45.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8              236,498.96                   0.12       13.322            237           100.00           100.00          613        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   0.10       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.01       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.975%
Maximum: 14.375%
Weighted Average: 8.614%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      167           $5,711,792.66                  2.83%      11.042%            293           87.15%           87.17%          611       39.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                529           40,606,457.85                  20.11        9.326            335            77.24            78.83          603        38.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               405           49,559,267.37                  24.54        8.762            350            76.96            80.27          605        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               217           37,729,699.50                  18.68        8.298            352            78.97            81.14          611        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               101           22,647,676.54                  11.21        8.198            350            78.19            80.35          618        39.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                65           17,561,041.54                   8.70        8.260            349            77.42            80.55          617        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                21            6,826,070.10                   3.38        7.998            339            75.05            77.71          624        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                19            7,031,723.26                   3.48        7.878            347            77.49            82.65          629        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                18            7,620,775.29                   3.77        7.685            357            73.70            77.04          631        35.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 6            2,915,543.84                   1.44        7.565            357            83.29            90.03          628        37.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 3            1,582,325.91                   0.78        6.956            356            78.79            85.61          661        31.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 1              648,270.84                   0.32        6.600            354            80.00            94.99          621        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 1              738,641.39                   0.37        9.950            356            88.10            88.10          564        25.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              764,427.71                   0.38        8.500            357            94.44            94.44          678        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,843.79
Maximum: $764,427.71
Weighted Average: $129,950.91





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                             147          $11,387,880.24                  5.64%       9.668%            177           77.01%           77.04%          620       38.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                              13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,393          188,821,270.24                  93.50        8.557            357            78.06            80.89          611        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 349





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                             147          $11,387,880.24                  5.64%       9.668%            177           77.01%           77.04%          620       38.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                              13            1,629,569.63                   0.81        7.874            237            66.20            66.20          618        33.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.05        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,393          188,821,270.24                  93.50        8.557            357            78.06            80.89          611        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 346





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2              $95,052.00                  0.05%       8.874%            203            7.41%            7.41%          571       48.88%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           3              344,406.06                   0.17        8.097            348            14.17            14.17          593        49.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           2              120,271.78                   0.06        8.094            267            19.65            19.65          648        51.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                          10              917,974.72                   0.45        8.506            326            23.09            23.09          592        34.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           3              163,230.25                   0.08        8.993            232            28.31            28.31          556        30.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                          16            1,436,178.44                   0.71        7.702            318            32.22            32.29          615        28.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          13            1,177,391.44                   0.58        8.433            346            37.63            37.63          572        37.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          27            3,188,220.93                   1.58        7.860            308            42.44            42.44          592        38.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          41            4,356,675.32                   2.16        8.055            322            47.90            47.90          606        34.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          36            5,820,369.50                   2.88        7.933            357            52.99            53.09          585        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          63            8,433,653.05                   4.18        8.061            343            58.01            58.01          591        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          68            9,432,818.65                   4.67        7.805            346            63.13            63.13          605        37.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          92           12,583,528.04                   6.23        8.232            347            68.33            68.33          602        39.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         103           15,583,561.66                   7.72        8.147            341            73.65            73.73          598        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         232           32,379,131.71                  16.03        8.418            349            79.09            79.20          605        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         140           21,207,233.01                  10.50        8.357            354            84.03            84.05          608        39.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         198           28,413,455.46                  14.07        8.907            355            89.14            89.21          606        39.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         128           19,236,826.39                   9.53        9.152            352            92.24            94.29          628        39.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        377           37,053,735.39                  18.35        9.371            336            86.75            99.90          640        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 80.56%





8. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      3             $287,522.38                  0.14%       8.133%            280           71.57%           71.57%          619       29.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     53            5,311,476.99                   2.63        9.357            342            83.31            85.10          601        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     14            1,257,434.67                   0.62        9.864            350            86.85            86.85          577        41.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     46            6,899,312.64                   3.42        8.343            344            77.22            78.51          612        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    123           25,017,061.84                  12.39        8.019            344            73.93            75.69          624        38.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     19            2,842,325.82                   1.41        8.429            352            83.27            89.89          613        38.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     14            3,003,872.05                   1.49        8.014            338            78.97            83.27          621        42.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      4              520,539.49                   0.26        8.305            357            51.17            51.17          599        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      7              677,222.95                   0.34        9.193            348            83.75            91.80          598        43.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    184           26,077,134.33                  12.91        8.224            347            72.26            73.86          609        39.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     57            5,689,210.36                   2.82        9.303            342            81.51            86.02          608        39.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      6            1,717,961.65                   0.85        7.941            354            84.46            86.38          667        43.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     13              882,616.44                   0.44        9.686            357            86.62            88.70          595        33.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      2              210,324.69                   0.10        9.420            357            89.62            89.62          603        38.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     43            6,459,578.51                   3.20        8.855            349            78.90            82.07          602        36.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     42            5,036,941.09                   2.49        8.611            355            82.01            86.04          625        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      6              590,708.58                   0.29        8.503            356            74.17            78.69          628        43.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     24            3,381,885.08                   1.67        8.766            348            85.36            88.08          626        39.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     42            4,548,389.18                   2.25        9.317            348            81.47            81.97          592        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     14            1,804,434.79                   0.89        8.763            350            67.46            67.46          590        41.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     42            7,163,491.13                   3.55        8.438            336            71.39            71.39          606        37.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      6              612,278.09                   0.30        9.095            357            80.25            83.58          583        34.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     60            6,655,237.05                   3.30        9.072            355            82.61            87.39          619        38.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     22            3,260,127.06                   1.61        8.602            333            79.51            81.68          635        37.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     20            1,630,853.61                   0.81        9.230            342            78.63            81.38          587        33.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     31            2,852,962.35                   1.41        9.231            348            81.32            82.85          611        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      2              584,566.49                   0.29        8.038            357            84.83            84.83          656        35.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     37            4,208,137.57                   2.08        9.137            350            80.16            82.76          601        38.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      2              103,268.28                   0.05        9.108            317            83.92            83.92          602        40.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      9            1,059,714.47                   0.52        8.013            339            74.81            80.90          623        45.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     17            3,196,231.30                   1.58        8.052            350            71.09            71.88          611        41.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     13            1,472,880.92                   0.73        8.843            353            85.35            87.57          620        37.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     10            1,383,645.14                   0.69        8.648            341            80.35            83.82          620        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     42            6,683,551.49                   3.31        9.000            306            77.42            79.91          629        42.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     54            5,548,474.71                   2.75        8.663            356            81.35            86.54          606        37.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     35            3,646,604.74                   1.81        8.861            350            82.40            83.35          606        37.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      9            1,376,702.96                   0.68        7.873            352            77.91            81.81          629        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     45            5,150,708.36                   2.55        8.847            348            78.16            79.06          608        38.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      4              837,334.96                   0.41        7.662            334            73.85            73.85          648        42.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     14            1,350,606.76                   0.67        9.253            352            81.24            86.30          607        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      1               68,298.28                   0.03        9.500            357            90.00            90.00          568        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     52            5,251,104.58                   2.60        8.888            353            78.56            83.03          597        37.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    191           19,798,010.81                   9.80        8.860            347            81.04            86.48          608        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     15            1,423,648.40                   0.70        9.130            344            78.75            78.75          608        43.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     41            6,507,590.65                   3.22        8.517            347            76.15            78.38          589        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1               89,723.24                   0.04        8.495            355            64.29            64.29          618        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     19            2,718,592.68                   1.35        8.272            344            80.19            80.61          616        36.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     38            4,490,161.39                   2.22        8.607            351            81.58            84.80          614        39.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      1               50,039.07                   0.02        8.500            358            79.52            79.52          621        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      5              553,213.73                   0.27        8.803            348            75.75            80.17          623        45.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 50





9. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    44           $5,126,347.86                  2.54%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,475          192,680,526.57                  95.41        8.596            346            77.92            80.66          611        39.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            35            4,136,839.37                   2.05        8.959            353            79.91            81.56          633        43.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





10. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,266         $163,363,966.52                 80.90%       8.617%            347           78.22%           80.72%          610       38.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          155           20,648,881.92                  10.23        8.592            344            78.18            81.82          613        39.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  60            7,185,759.36                   3.56        8.470            347            76.17            78.46          621        42.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            43            6,333,976.59                   3.14        8.577            314            73.88            75.56          636        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     16            1,926,473.61                   0.95        8.836            354            71.01            72.30          598        39.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            9            1,559,462.77                   0.77        8.662            356            74.02            80.60          625        43.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    3              706,889.59                   0.35        9.339            357            78.13            92.15          600        48.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            2              218,303.44                   0.11        9.089            357            85.77            85.77          606        35.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





11. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              850         $121,492,469.95                 60.16%       8.388%            347           75.36%           76.57%          605       38.94%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              400           41,470,092.61                  20.54        9.488            338            86.59            94.57          631        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             304           38,981,151.24                  19.30        8.388            349            76.63            78.07          612        38.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





12. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               76          $11,851,721.69                  5.87%       8.389%            346           80.64%           84.53%          624       36.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                  1,019          126,819,376.90                  62.80        8.454            347            77.02            79.17          602        39.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     29            3,782,658.07                   1.87        8.491            352            80.51            84.16          587        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  430           59,489,957.14                  29.46        9.007            342            79.11            82.49          631        39.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





13. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     553          $59,791,410.57                 29.61%       9.151%            341           78.38%           79.86%          602       38.90%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       1              142,640.75                   0.07        8.375            356            68.10            68.10          679        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     55            9,042,382.58                   4.48        8.531            328            74.98            77.09          616        42.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    124           14,015,863.51                   6.94        9.323            334            84.05            87.08          623        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      2              391,130.56                   0.19        8.597            356            88.23            88.23          665        37.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    785          114,492,902.17                  56.70        8.275            351            77.06            80.29          615        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                     34            4,067,383.66                   2.01        8.010            352            79.55            83.30          602        37.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 34





14. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,338         $190,582,864.59                 94.37%       8.434%            349           76.61%           79.41%          610       39.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     216           11,360,849.21                   5.63       11.639            284            99.81            99.81          644        43.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





15. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              82           $8,923,892.29                  4.42%       9.353%            344           66.24%           66.28%          515       37.29%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             119           14,236,472.39                   7.05        9.155            342            74.57            74.57          539        40.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             182           21,762,037.51                  10.78        8.866            350            73.53            73.59          565        38.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             256           31,235,405.03                  15.47        8.893            345            77.70            79.84          587        39.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             315           41,880,611.98                  20.74        8.581            350            80.15            83.62          613        39.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             290           40,168,997.70                  19.89        8.339            349            78.68            82.03          638        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             214           30,064,426.58                  14.89        8.228            342            81.34            85.41          663        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              93           13,087,608.37                   6.48        8.300            327            79.58            83.98          686        39.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               1              242,198.59                   0.12        7.950            356            90.00            90.00          744        10.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              279,239.42                   0.14        7.990            356            80.00           100.00          754        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

776 - 800                                                               1               62,823.94                   0.03        7.850            356            90.00            90.00          777        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 501
Maximum: 777
Weighted Average: 612





16. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          187          $23,096,836.22                 11.44%       8.478%            345           75.12%           76.56%          613       13.94%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          74            8,084,635.12                   4.00        8.280            343            70.40            71.47          605        21.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         113           16,313,558.46                   8.08        8.416            342            75.21            76.39          609        27.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         155           19,684,862.54                   9.75        8.387            350            77.13            78.54          611        32.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         231           30,228,901.23                  14.97        8.595            347            78.29            81.63          608        37.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         281           36,643,613.82                  18.15        8.706            345            79.51            82.99          614        42.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         357           46,132,070.80                  22.84        8.852            345            80.15            82.98          613        47.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         156           21,759,235.61                  10.77        8.602            347            78.42            82.40          616        50.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,554         $201,943,713.80                100.00%       8.614%            346           77.91%           80.56%          612       39.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 39.26

Carrington Mortgage Loan Trust, Series 2007-RFC1
Interest Only Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 450
Aggregate Principal Balance ($): 113,657,606
Weighted Average Current Mortgage Rate (%): 7.862
Weighted Average Margin (%): 5.860
Weighted Average Maximum Rate (%): 14.278
Weighted Average Months to Roll: 28
Weighted Average Stated Original Term (months): 360
Weighted Average Stated Remaining Term (months): 357
Weighted Average Combined Original LTV (%): 92.25
% First Liens: 100.00
% Owner Occupied: 97.86
% Purchase: 49.00
% Full Documentation: 53.12
Non-Zero Weighted Average FICO Score: 634





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         3             $551,550.00                  0.49%       7.871%            357           80.55%           88.23%          626       43.36%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          4              726,900.00                   0.64        9.495            357            83.96            88.32          632        38.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        336           86,301,188.71                  75.93        7.866            357            81.07            92.66          634        42.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 10YR-IO                                                        1              292,000.00                   0.26        6.625            357            80.00           100.00          630        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                        16            3,386,910.63                   2.98        8.402            357            82.48            90.13          642        42.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 3YR-IO                                                          1              173,600.00                   0.15        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         62           14,645,511.29                  12.89        7.775            356            82.96            90.24          633        42.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         2              499,000.00                   0.44        8.797            357            93.33            93.33          639        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                         25            7,080,944.99                   6.23        7.570            357            81.50            92.79          636        35.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           3           $1,079,799.99                  0.95%       5.761%            356           68.08%           68.08%          643       44.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          15            5,551,270.82                   4.88        6.258            356            80.69            90.42          653        42.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          48           14,368,702.87                  12.64        6.822            357            78.78            88.09          633        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          72           19,346,102.26                  17.02        7.296            357            79.92            90.84          637        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         120           29,518,733.57                  25.97        7.800            356            80.26            92.52          634        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          83           19,639,327.74                  17.28        8.300            357            82.52            93.97          631        43.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          67           15,791,915.47                  13.89        8.803            357            85.18            95.24          629        43.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          22            4,482,808.23                   3.94        9.302            356            84.82            96.19          638        42.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         11            1,987,743.00                   1.75        9.747            356            83.64            96.38          613        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         6            1,279,727.51                   1.13       10.351            357            93.85            98.80          642        40.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         2              345,474.16                   0.30       10.758            357            90.00            90.00          627        43.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              266,000.00                   0.23       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.625%
Maximum: 11.600%
Weighted Average: 7.862%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 14           $1,243,204.47                  1.09%       8.575%            357           78.06%           90.34%          625       38.21%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                84           10,777,662.50                   9.48        8.160            357            80.00            91.70          628        40.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                95           16,689,223.41                  14.68        8.104            357            81.19            92.02          632        39.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                73           16,401,480.18                  14.43        8.012            357            83.41            93.99          626        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                49           13,451,457.56                  11.84        7.926            356            81.00            92.40          631        42.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                43           13,735,316.09                  12.08        7.787            357            81.71            91.71          641        42.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                29           10,764,637.99                   9.47        7.953            357            83.66            93.32          640        43.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                27           11,556,197.30                  10.17        7.342            357            79.31            90.05          641        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                13            6,223,907.03                   5.48        7.707            357            80.88            90.36          627        41.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                13            6,781,486.34                   5.97        7.706            356            81.00            92.90          632        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 8            4,657,204.42                   4.10        7.592            356            82.32            95.23          647        36.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              664,000.00                   0.58        6.440            357            80.00           100.00          668        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 1              711,828.33                   0.63        6.140            355            80.00            80.00          626        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $75,100.00
Maximum: $711,828.33
Weighted Average: $252,572.46





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 360
Maximum: 360
Weighted Average: 360





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 352
Maximum: 358
Weighted Average: 357





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           1              $75,100.00                  0.07%       9.310%            357           41.26%           41.26%          524       17.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           2              674,949.69                   0.59        7.734            357            45.95            45.95          585        45.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           3              879,999.99                   0.77        6.383            357            52.05            52.05          622        43.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           5              994,874.38                   0.88        7.159            357            56.92            56.92          615        42.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                           5            1,270,199.87                   1.12        7.637            357            61.77            61.77          615        35.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          12            2,682,035.65                   2.36        7.540            356            68.31            68.31          615        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          20            4,503,070.79                   3.96        7.683            356            74.24            74.24          619        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          36            9,539,409.17                   8.39        7.286            356            79.76            79.76          624        42.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          18            5,100,863.83                   4.49        7.325            356            82.96            83.99          640        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          60           15,525,891.27                  13.66        7.897            357            89.10            89.57          631        38.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          44           11,838,335.67                  10.42        8.348            356            89.04            94.55          632        42.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        244           60,572,875.31                  53.29        7.958            357            80.95            99.93          639        42.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 41.26%
Maximum: 100.00%
Weighted Average: 92.25%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              173,600.00                   0.15        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           9            2,437,233.29                   2.14        6.821            357            75.41            86.69          634        36.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          19            5,243,154.27                   4.61        7.249            357            73.55            84.72          632        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          42           10,814,933.62                   9.52        7.440            357            80.91            91.29          641        42.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          61           13,271,373.09                  11.68        7.986            357            82.65            93.48          626        39.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          95           24,347,089.36                  21.42        7.817            357            81.02            91.28          628        41.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         132           36,319,454.02                  31.96        7.739            357            82.20            93.23          635        42.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          44           10,475,095.07                   9.22        8.250            356            81.70            94.60          642        43.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          17            4,054,825.45                   3.57        8.998            356            85.11            95.57          641        44.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                           9            2,228,347.44                   1.96        9.267            356            85.95            92.18          620        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           4              613,589.38                   0.54        9.655            355            80.00            95.72          657        44.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.475%
Maximum: 8.350%
Non-Zero Weighted Average: 5.860%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              173,600.00                   0.15        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           3              730,534.23                   0.64        6.974            357            59.96            59.96          611        40.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          11            2,837,354.27                   2.50        7.534            357            68.03            72.71          616        43.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          24            5,755,025.66                   5.06        7.864            357            82.05            93.77          634        43.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          25            5,172,883.00                   4.55        8.445            357            84.49            97.90          624        44.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          18            4,568,479.99                   4.02        8.020            357            80.40            88.51          625        46.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          21            6,556,470.82                   5.77        6.664            356            81.43            91.16          646        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          49           14,336,318.64                  12.61        6.965            357            79.91            89.14          635        41.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          62           16,924,554.22                  14.89        7.447            356            81.76            92.92          637        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          91           23,256,917.91                  20.46        7.793            356            80.84            94.30          637        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          56           13,375,607.74                  11.77        8.290            357            82.16            92.91          631        43.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          46           10,771,815.47                   9.48        8.779            357            84.75            94.91          630        42.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          15            3,179,411.37                   2.80        9.324            355            83.57            95.72          638        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          5            1,131,520.00                   1.00        9.752            356            85.58            94.70          621        38.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         3              596,727.51                   0.53       10.325            356            89.38           100.00          663        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         2              345,474.16                   0.30       10.758            357            90.00            90.00          627        43.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              266,000.00                   0.23       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.475%
Maximum: 11.600%
Non-Zero Weighted Average: 7.274%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              305,800.00                   0.27        5.890            355            79.43            79.43          671        34.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        10            3,881,760.83                   3.42        6.258            356            79.16            90.75          651        42.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        24            7,111,834.22                   6.26        6.807            356            77.03            86.02          641        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        40           10,465,057.97                   9.21        7.173            356            79.63            87.96          631        39.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        99           26,183,164.04                  23.04        7.520            356            79.81            89.65          628        41.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        85           21,713,354.60                  19.10        7.843            357            81.50            94.77          637        42.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        79           18,800,934.94                  16.54        8.178            357            82.68            95.88          635        40.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        41            8,947,173.03                   7.87        8.476            357            83.98            92.89          630        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        38            8,578,541.70                   7.55        8.994            357            84.78            95.31          630        42.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        12            3,226,599.50                   2.84        9.681            356            86.57            97.57          641        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         1              153,000.00                   0.13       10.450            356            90.00            90.00          613        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         2              345,474.16                   0.30       10.758            357            90.00            90.00          627        43.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         1              266,000.00                   0.23       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.890%
Maximum: 18.600%
Non-Zero Weighted Average: 14.278%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   3              573,599.33                   0.50        8.420            356            80.00            91.99          623        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 430          109,405,095.66                  96.26        7.845            357            81.43            92.30          634        41.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.497%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 326           79,271,614.54                  69.75        7.920            356            81.24            92.48          634        41.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 107           30,707,080.45                  27.02        7.664            357            81.89            91.82          633        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.140%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             17           $3,678,910.63                  3.24%       8.261%            357           82.28%           90.91%          641       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               2              466,400.00                   0.41        7.732            353            74.79            85.32          631        38.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              16            4,322,284.97                   3.80        8.440            354            81.35            93.06          621        44.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            38           10,279,283.17                   9.04        7.797            355            80.84            94.00          637        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         44            9,962,912.90                   8.77        8.233            356            79.67            95.52          640        44.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          214           55,405,397.67                  48.75        7.748            357            81.53            91.69          633        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          29            7,143,360.00                   6.28        8.198            358            80.32            93.66          628        43.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.07        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            20            6,169,495.92                   5.43        7.159            355            79.98            87.71          635        44.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          3              876,499.98                   0.77        9.265            356            82.49            93.81          637        47.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           34            6,754,292.23                   5.94        8.078            357            84.99            91.28          632        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           5              934,823.16                   0.82        7.923            358            88.20            95.41          621        42.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          4            1,342,950.00                   1.18        7.969            356            78.87            94.35          643        35.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           23            6,236,994.99                   5.49        7.583            357            83.01            92.50          635        36.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      2             $441,750.00                  0.39%      10.546%            355           95.00%           95.00%          607       49.20%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                      5              819,840.00                   0.72        8.999            357            84.33            91.48          611        45.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      2              248,100.00                   0.22        9.165            357            84.68            95.32          635        37.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     52           11,345,758.63                   9.98        7.827            357            81.49            91.37          632        40.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    109           37,986,482.66                  33.42        7.412            356            80.39            91.81          639        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     11            1,986,830.00                   1.75        8.001            357            81.18            97.28          635        44.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                      5            1,324,000.00                   1.16        8.392            357            85.84            97.65          618        46.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      3            1,238,400.00                   1.09        8.005            357            80.00            95.03          626        39.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     60           13,880,940.40                  12.21        8.130            356            80.40            92.71          635        41.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                      8            1,425,893.00                   1.25        8.592            356            79.99            91.87          610        45.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      1              195,700.00                   0.17        8.850            357            95.00            95.00          653        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                      9            1,807,919.97                   1.59        8.559            357            87.01            95.11          640        40.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                      2              197,600.00                   0.17        8.276            355            80.00           100.00          644        36.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      1              116,000.00                   0.10        7.995            354            80.00           100.00          581        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      3              465,945.83                   0.41        7.997            356            82.75            96.57          633        37.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      5            1,032,599.65                   0.91        8.087            356            81.77            92.85          608        45.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     22            6,103,298.84                   5.37        7.681            357            76.03            82.87          623        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      4              692,399.33                   0.61        8.434            356            80.00            93.37          625        43.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     11            1,908,415.16                   1.68        8.608            357            80.80            95.08          637        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     13            2,400,956.59                   2.11        8.458            357            85.25            94.35          646        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      4              571,548.00                   0.50        8.151            357            78.88            88.30          635        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      1              138,000.00                   0.12        8.860            357            80.00            80.00          562        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                      4              967,074.99                   0.85        7.825            357            85.48            93.14          637        46.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      3              488,000.00                   0.43        8.140            356            80.00            87.02          653        48.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                      9            2,687,535.28                   2.36        8.535            357            86.78            94.26          631        45.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      2              308,900.00                   0.27        8.435            356            82.94            90.71          631        34.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      7            1,638,099.06                   1.44        7.285            357            79.03            90.02          634        35.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     10            4,394,724.84                   3.87        7.686            356            83.52            94.23          650        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      1              234,000.00                   0.21        7.490            355            90.00            90.00          638        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      1              115,200.00                   0.10        6.700            357            80.00           100.00          678        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     10            1,659,491.99                   1.46        7.921            357            86.01            94.00          625        34.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                      3              725,300.00                   0.64        7.543            357            82.54            97.46          634        35.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      2              369,838.11                   0.33        8.369            356            87.37            97.51          648        47.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      1              499,200.00                   0.44        8.200            356            80.00           100.00          645        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      8            1,248,540.00                   1.10        8.214            357            84.47            95.65          618        37.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     19            3,828,358.73                   3.37        8.595            357            83.82            97.33          627        42.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      7            1,327,202.34                   1.17        7.871            357            84.94            94.96          628        44.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     11            2,801,171.20                   2.46        7.890            357            81.39            86.68          622        42.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     12            2,649,220.00                   2.33        7.715            357            82.00            93.56          628        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                      6            1,181,371.02                   1.04        9.151            357            86.05            92.42          641        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              206,000.00                   0.18        7.625            357            80.00           100.00          645        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 41





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                     1             $166,500.00                  0.15%       8.490%            357           90.00%           90.00%          636       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     441          111,224,192.15                  97.86        7.836            357            81.22            92.22          634        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             8            2,266,913.47                   1.99        9.066            356            92.06            93.97          638        38.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              305          $75,921,076.39                 66.80%       7.762%            357           81.18%           91.02%          632       41.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           72           18,995,131.76                  16.71        8.029            357            81.96            94.70          631        42.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  36            9,184,906.92                   8.08        8.083            356            83.10            94.70          646        42.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            17            5,619,695.05                   4.94        7.951            357            80.88            95.52          650        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           10            2,069,047.51                   1.82        8.427            357            80.39            94.14          639        46.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      6            1,046,647.99                   0.92        7.781            357            83.98            96.55          627        39.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1              394,000.00                   0.35        8.875            357            80.00           100.00          659        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    1              189,900.00                   0.17        9.750            355            90.00            90.00          616        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Leasehold                                                               1              131,000.00                   0.12        7.875            358            58.22            58.22          582        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            1              106,200.00                   0.09        7.850            355            84.96            84.96          674        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              225          $55,696,111.34                 49.00%       8.028%            357           81.77%           98.06%          637       41.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              160           43,725,158.59                  38.47        7.660            356            81.11            85.84          630        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              65           14,236,335.69                  12.53        7.829            357            81.24            89.20          634        42.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               26           $8,637,818.33                  7.60%       7.574%            357           82.29%           95.35%          627       43.15%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    254           60,380,045.19                  53.12        7.606            357            81.08            90.90          625        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      4            1,043,960.00                   0.92        8.421            357            87.15            96.04          613        49.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  166           43,595,782.10                  38.36        8.259            356            81.65            93.42          648        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                      77          $19,767,470.76                 17.39%       8.379%            357           82.06%           91.22%          632       43.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     26            8,007,998.54                   7.05        8.015            356            81.06            96.04          633        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    256           63,417,855.30                  55.80        7.744            357            81.36            92.46          633        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     89           22,108,361.02                  19.45        7.683            356            81.32            91.06          639        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      2              355,920.00                   0.31        7.634            356            80.00           100.00          610        35.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               1              $75,100.00                  0.07%       9.310%            357           41.26%           41.26%          524       17.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                               7            1,372,769.69                   1.21        8.579            356            73.78            78.03          570        46.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              60           14,806,726.13                  13.03        8.054            357            79.66            86.29          589        42.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             127           30,187,784.29                  26.56        7.893            357            81.89            91.69          614        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             138           35,864,520.26                  31.55        7.851            356            81.89            93.70          639        40.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              74           19,162,694.43                  16.86        7.757            357            81.38            94.04          662        42.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              43           12,188,010.82                  10.72        7.655            357            82.45            95.71          686        43.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 524
Maximum: 699
Weighted Average: 634





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           21           $4,336,227.83                  3.82%       7.756%            357           82.29%           92.89%          624       11.96%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                           7            1,472,520.00                   1.30        8.333            357            83.54            90.09          631        22.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          25            6,092,776.74                   5.36        7.417            357            79.73            86.47          633        27.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          26            7,022,997.04                   6.18        7.637            356            82.85            91.45          633        32.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          67           15,798,966.44                  13.90        7.879            356            80.56            91.89          638        37.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                          92           23,523,937.85                  20.70        7.845            356            81.55            91.56          634        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         140           36,207,375.28                  31.86        7.940            357            80.82            92.86          639        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          72           19,202,804.44                  16.90        7.931            357            82.92            94.38          624        50.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                450         $113,657,605.62                100.00%       7.862%            357           81.45%           92.25%          634       41.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 2.00
Maximum: 53.00
Weighted Average: 41.78

Carrington Mortgage Loan Trust, Series 2007-RFC1
Balloon Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,148
Aggregate Principal Balance ($): 257,440,167
Weighted Average Current Mortgage Rate (%): 8.362
Weighted Average Margin (%): 6.426
Weighted Average Maximum Rate (%): 14.603
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 357
Weighted Average Stated Remaining Term (months): 353
Weighted Average Combined Original LTV (%): 85.82
% First Liens: 98.24
% Owner Occupied: 96.23
% Purchase: 33.53
% Full Documentation: 41.46
Non-Zero Weighted Average FICO Score: 612





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            83           $4,792,036.09                  1.86%      11.710%            177           97.22%           97.22%          643       44.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         668          164,981,268.89                  64.09        8.397            356            80.56            85.79          606        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                         149           34,105,306.86                  13.25        8.237            356            82.27            85.70          616        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                          30            6,204,426.13                   2.41        7.880            357            80.48            84.51          617        34.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                           107           22,624,952.22                   8.79        7.991            356            76.98            80.21          618        40.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                          14            2,869,783.87                   1.11        8.420            356            81.34            90.86          615        38.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           3              495,406.36                   0.19        7.559            355            80.00           100.00          646        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                            11            1,219,069.84                   0.47        8.400            355            84.65            95.86          618        36.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          48           12,067,778.44                   4.69        8.000            357            80.27            89.39          639        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                          12            3,108,367.78                   1.21        8.360            357            82.84            87.94          628        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           8            1,210,580.99                   0.47        8.226            357            81.57            81.57          573        33.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                            15            3,761,189.60                   1.46        7.962            357            83.33            88.53          636        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           6           $2,352,092.10                  0.91%       5.856%            356           71.64%           79.36%          624       45.76%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          22            5,720,765.59                   2.22        6.368            356            76.81            82.15          636        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          61           15,389,041.32                   5.98        6.857            356            74.41            80.96          625        41.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         102           27,396,808.26                  10.64        7.332            357            77.95            85.47          629        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         237           60,700,613.64                  23.58        7.800            356            79.73            87.48          627        40.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         185           42,004,271.40                  16.32        8.273            356            80.72            85.48          611        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         210           48,222,762.92                  18.73        8.792            356            82.63            85.83          601        41.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         104           23,990,343.60                   9.32        9.260            357            84.14            86.12          591        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         88           16,733,181.26                   6.50        9.819            354            82.98            85.02          582        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        30            5,139,266.60                   2.00       10.297            354            87.09            89.06          593        36.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        23            4,757,472.48                   1.85       10.786            348            81.79            82.42          583        38.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        18            1,495,611.77                   0.58       11.331            238            91.13            91.13          623        44.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        17            1,252,067.70                   0.49       11.660            218            95.74            95.74          621        43.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        20            1,311,168.72                   0.51       12.300            200            89.78            89.78          635        41.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        14              628,165.99                   0.24       12.784            177            99.17            99.17          630        45.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         5              158,104.59                   0.06       13.311            177           100.00           100.00          612        44.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         6              188,429.13                   0.07       13.729            177           100.00           100.00          591        46.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.625%
Maximum: 13.750%
Weighted Average: 8.362%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       46           $1,557,265.10                  0.60%      12.311%            186           97.70%           97.70%          620       43.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                124           10,110,056.29                   3.93        9.397            313            82.84            86.08          616        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               220           27,912,616.41                  10.84        8.560            354            78.43            83.76          600        40.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               198           34,560,996.35                  13.42        8.609            356            80.41            85.44          599        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               182           40,782,465.80                  15.84        8.234            356            79.71            84.80          611        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               103           28,176,239.59                  10.94        8.358            355            79.26            82.54          607        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                90           29,005,879.79                  11.27        8.133            356            80.61            85.05          617        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                65           24,372,571.00                   9.47        8.092            356            81.57            87.52          613        42.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                45           19,116,554.63                   7.43        8.180            356            84.25            88.90          619        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                26           12,339,904.04                   4.79        8.046            356            80.58            88.40          618        46.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                20           10,623,947.91                   4.13        8.248            356            79.50            84.50          629        43.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                15            8,615,220.58                   3.35        7.841            357            83.41            91.41          639        43.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 4            2,527,011.36                   0.98        8.553            357            87.35            97.44          636        33.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 4            2,674,416.35                   1.04        7.970            356            83.74            88.73          604        32.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 1              712,076.09                   0.28        9.275            357            95.00            95.00          632        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              764,427.71                   0.30        8.500            357            94.44            94.44          678        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

850,000.01 - 900,000.00                                                 2            1,778,270.89                   0.69        8.161            357            72.94            72.94          588        28.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

900,000.01 - 950,000.00                                                 2            1,810,247.18                   0.70        8.921            357            92.49            92.49          637        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,980.33
Maximum: $908,178.92
Weighted Average: $224,251.02





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              83           $4,792,036.09                  1.86%      11.710%            177           97.22%           97.22%          643       44.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,065          252,648,130.98                  98.14        8.298            356            80.56            85.60          611        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 357





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              83           $4,792,036.09                  1.86%      11.710%            177           97.22%           97.22%          643       44.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,065          252,648,130.98                  98.14        8.298            356            80.56            85.60          611        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 176
Maximum: 358
Weighted Average: 353





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1             $164,960.41                  0.06%      12.225%            357           19.88%           19.88%          547       30.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           2              363,697.63                   0.14        8.265            357            33.20            33.20          558        41.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          11            1,484,232.78                   0.58        8.504            357            37.64            37.64          559        32.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           8            1,390,561.81                   0.54        8.442            356            42.81            42.81          572        36.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          14            2,105,871.80                   0.82        8.289            357            48.69            48.69          577        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          17            3,045,755.84                   1.18        8.287            356            53.12            53.12          582        39.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          35            7,502,878.18                   2.91        8.221            351            58.24            58.24          581        38.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          49           11,224,395.04                   4.36        7.937            356            63.43            63.43          580        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          52           12,120,411.85                   4.71        7.897            356            68.70            68.70          589        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          56           12,804,884.69                   4.97        8.312            356            74.15            74.15          575        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         122           31,629,816.15                  12.29        8.224            356            79.33            79.33          606        40.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         125           29,304,910.19                  11.38        8.366            357            84.20            84.38          592        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         191           46,341,815.90                  18.00        8.674            356            89.42            89.62          609        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         128           30,094,290.59                  11.69        8.824            355            93.85            94.79          628        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        337           67,861,684.21                  26.36        8.176            345            81.74            99.90          643        42.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 19.88%
Maximum: 100.00%
Weighted Average: 85.82%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               87,295.80                   0.03        8.830            355            95.00            95.00          622        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           3              663,608.98                   0.26        7.133            357            78.15            81.94          641        44.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           6              845,210.41                   0.33        6.997            357            76.80            79.21          611        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          15            3,246,897.39                   1.26        7.471            357            75.01            76.43          639        38.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          29            6,867,544.01                   2.67        7.560            357            74.78            81.78          602        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          70           15,269,227.66                   5.93        7.828            356            79.86            88.19          620        40.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         153           36,623,409.16                  14.23        8.225            356            81.08            86.16          610        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         270           69,041,875.36                  26.82        8.096            356            80.32            86.31          610        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         167           41,439,875.31                  16.10        8.289            356            81.49            86.56          613        42.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          96           19,214,547.60                   7.46        8.911            356            78.82            82.50          590        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         115           30,163,851.85                  11.72        9.233            356            84.73            88.20          615        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           7            1,579,575.79                   0.61        9.476            356            82.40            82.40          582        43.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 8.500%
Non-Zero Weighted Average: 6.426%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              245,716.41                   0.10        6.990            357            75.00            75.00          594        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           1              165,834.27                   0.06        7.500            357            83.00            83.00          620        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           7            1,788,943.91                   0.69        7.390            357            73.80            73.80          634        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          14            3,639,067.06                   1.41        7.933            357            76.97            83.43          586        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          15            2,615,170.00                   1.02        8.355            357            77.54            81.32          580        42.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          25            6,289,614.79                   2.44        8.095            356            81.29            85.51          599        43.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          28            7,136,631.52                   2.77        7.219            356            81.73            86.33          617        44.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          60           13,836,679.29                   5.37        7.214            356            76.64            83.90          620        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          82           21,488,201.01                   8.35        7.387            356            78.76            87.36          628        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         181           49,437,713.30                  19.20        7.804            356            80.51            89.24          630        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         149           34,846,757.85                  13.54        8.261            356            80.31            85.05          611        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         172           40,337,980.72                  15.67        8.799            356            82.74            85.41          603        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          88           21,042,183.06                   8.17        9.252            356            84.33            86.39          591        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         69           14,217,656.29                   5.52        9.820            356            82.32            84.73          582        39.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        19            3,443,520.62                   1.34       10.286            356            86.25            87.80          590        36.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        17            3,863,645.84                   1.50       10.833            356            79.04            79.81          575        39.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2              317,691.16                   0.12       11.077            355            64.76            64.76          530        39.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              164,951.81                   0.06       11.600            357            75.00            75.00          508        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              164,960.41                   0.06       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.490%
Maximum: 12.225%
Non-Zero Weighted Average: 8.092%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1               99,933.49                   0.04        6.500            357            66.67            66.67          616        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              658,571.83                   0.26        5.884            355            75.07            85.21          664        47.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        11            2,849,347.73                   1.11        6.494            355            82.25            90.18          631        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        42           10,264,334.28                   3.99        6.697            356            76.76            85.38          622        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        71           19,149,883.68                   7.44        7.241            356            78.49            85.79          627        42.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       165           44,529,485.49                  17.30        7.741            356            79.66            86.97          625        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       145           32,826,868.91                  12.75        8.157            356            80.58            86.50          615        39.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       190           46,278,417.62                  17.98        8.519            356            82.29            87.57          614        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       104           25,114,558.98                   9.76        8.838            356            82.55            85.64          595        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        94           20,113,016.75                   7.81        9.270            357            81.68            83.73          587        40.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        46           10,959,123.87                   4.26        9.526            356            86.04            87.16          592        39.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        43            9,211,157.60                   3.58       10.142            356            80.23            81.35          571        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         9            1,314,437.26                   0.51       10.395            356            74.41            78.47          577        36.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         6            1,139,613.80                   0.44       10.795            357            74.83            74.83          551        45.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         1              204,255.81                   0.08       11.050            355            75.00            75.00          524        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         1              164,951.81                   0.06       11.600            357            75.00            75.00          508        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.06       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.500%
Maximum: 19.225%
Non-Zero Weighted Average: 14.603%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   4              893,439.94                   0.35        8.223            357            79.13            82.61          607        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 928          224,149,479.38                  87.07        8.335            356            80.85            86.05          610        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.498%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 738          173,917,159.54                  67.56        8.347            356            81.79            87.05          614        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 193           50,790,322.16                  19.73        8.298            357            77.73            82.73          596        41.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              335,437.62                   0.13        6.990            355            65.00            65.00          691        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.114%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $32,397,247.75                 12.58%       8.553%            330           81.00%           84.28%          624       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                2              684,097.88                   0.27        8.550            352            74.02            74.02          590        39.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               1              357,015.19                   0.14       10.700            353            95.00            95.00          591        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              23            5,128,938.62                   1.99        7.869            354            82.76            91.81          615        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           109           28,324,336.46                  11.00        8.166            355            80.94            86.36          608        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        127           31,159,811.04                  12.10        8.563            356            81.16            86.64          617        39.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          430          106,996,385.52                  41.56        8.374            357            80.31            86.01          607        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          38            7,268,246.49                   2.82        8.516            358            78.43            81.17          593        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                              12            1,922,474.31                   0.75        8.046            354            83.41            94.13          625        39.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            51           10,416,263.67                   4.05        7.929            355            80.79            85.93          615        43.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         27            7,835,195.68                   3.04        8.374            356            86.22            88.13          618        43.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           69           16,644,767.60                   6.47        8.410            357            81.80            84.56          618        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           5              890,379.74                   0.35        7.888            358            71.94            80.50          607        45.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             4              924,438.00                   0.36        8.036            355            80.83            80.83          600        31.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          3              379,807.55                   0.15        8.415            356            78.10            82.97          573        41.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           27            5,135,993.66                   2.00        7.815            357            80.13            84.65          618        34.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           4              974,767.91                   0.38        8.299            358            84.24            84.24          590        37.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      1             $287,221.02                  0.11%       7.600%            357           85.82%           85.82%          664       50.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                      8              809,411.14                   0.31        9.151            336            86.93            91.57          590        37.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      1              121,452.06                   0.05       11.575            356            90.00            90.00          554        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     73           13,847,475.72                   5.38        8.389            355            79.94            84.98          611        38.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    233           76,877,820.42                  29.86        7.944            354            78.60            83.90          617        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     28            4,901,952.26                   1.90        8.121            354            82.67            91.08          615        39.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     11            2,035,756.25                   0.79        8.752            353            80.47            82.87          592        44.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1              127,421.25                   0.05        9.150            357            50.60            50.60          518        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      7            1,110,042.99                   0.43        8.454            351            86.71            96.23          610        38.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    146           27,767,846.15                  10.79        8.525            354            80.97            85.76          603        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     26            3,748,254.10                   1.46        8.746            344            81.45            94.26          618        41.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                     11            4,375,913.93                   1.70        7.765            355            78.06            83.44          618        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      1              184,176.48                   0.07        9.850            356            95.00            95.00          669        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      2              357,339.11                   0.14        7.588            357            85.41            91.23          617        43.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     59           12,547,947.38                   4.87        8.806            354            83.74            86.12          606        43.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                      9            1,461,089.88                   0.57        8.471            353            82.42            89.94          615        34.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      3              376,362.88                   0.15        9.927            357            85.97            85.97          581        44.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      3              261,935.85                   0.10        9.422            357            88.73            88.73          589        31.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      8            1,165,845.39                   0.45        8.841            338            85.61            92.65          590        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     10            3,040,875.14                   1.18        8.525            355            87.99            89.38          586        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     47           13,509,517.40                   5.25        8.291            352            78.30            79.66          600        39.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     31            4,489,929.55                   1.74        8.568            355            83.68            92.82          625        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     27            4,926,193.46                   1.91        8.770            353            83.30            90.64          618        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     15            1,863,799.51                   0.72        9.229            354            87.68            94.45          607        42.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      2              212,659.68                   0.08        8.700            323            83.55           100.00          653        41.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      3              636,352.30                   0.25        7.688            357            73.00            73.00          655        37.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     11            2,270,861.06                   0.88        8.644            356            84.01            96.62          598        38.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      2              136,391.36                   0.05       10.332            327            95.86            95.86          600        34.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      7            1,186,093.98                   0.46        9.050            341            82.07            91.63          591        46.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     36            9,786,497.01                   3.80        8.488            357            81.69            85.04          627        42.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      4              639,013.64                   0.25        8.783            349            85.93            85.93          597        48.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     31            7,118,329.21                   2.77        8.454            354            79.21            83.82          606        38.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     55           16,787,166.58                   6.52        8.476            346            82.04            86.70          629        43.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     26            3,497,013.66                   1.36        8.590            356            85.16            91.17          607        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      3              398,769.22                   0.15        9.319            335            86.72            86.72          564        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     20            4,151,464.60                   1.61        8.555            355            81.79            89.92          613        40.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     23            3,770,825.86                   1.46        8.613            357            74.31            77.14          608        38.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                     10            2,362,268.59                   0.92        8.299            356            82.74            88.11          593        39.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      7              829,376.49                   0.32        9.402            349            85.14            88.48          598        41.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     15            2,470,913.89                   0.96        8.716            357            84.74            90.13          589        40.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     23            2,810,831.29                   1.09        8.670            349            86.56            92.70          610        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     18            2,863,300.29                   1.11        8.515            352            79.73            86.37          611        39.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     27            4,669,851.18                   1.81        8.762            351            81.09            85.36          601        40.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1              181,268.68                   0.07        7.850            354            80.00           100.00          603        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     34            6,453,681.03                   2.51        8.497            353            83.93            87.05          614        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     27            3,867,763.19                   1.50        8.973            355            87.66            88.98          599        43.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      2              143,894.96                   0.06        9.450            321            84.00           100.00          611        48.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 47





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    30           $5,816,993.32                  2.26%       8.615%            356           79.98%           80.21%          654       36.96%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,104          247,733,940.65                  96.23        8.349            353            80.76            85.90          610        41.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            14            3,889,233.10                   1.51        8.781            356            88.88            88.88          656        38.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              883         $195,360,733.23                 75.89%       8.345%            353           80.69%           85.35%          610       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          127           30,779,635.38                  11.96        8.283            352            81.58            88.38          620        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            53           14,776,000.25                   5.74        8.498            352            80.53            83.94          620        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  59           11,305,179.47                   4.39        8.632            353            83.06            89.50          620        42.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            9            2,137,885.50                   0.83        8.500            357            75.94            80.16          573        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     13            2,048,422.62                   0.80        8.416            354            82.76            83.95          597        38.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    2              761,035.44                   0.30        8.625            356            80.00           100.00          610        49.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            1              175,374.33                   0.07        8.650            357            80.50            99.68          652        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1               95,900.85                   0.04        8.250            357            80.00            95.00          638        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              653         $153,685,210.89                 59.70%       8.322%            356           78.75%           80.24%          599       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              407           86,325,796.82                  33.53        8.490            348            84.31            95.42          635        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              87           17,339,209.21                   6.74        8.078            356            82.54            87.52          609        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  1               89,950.15                   0.03        7.000            356            66.18            66.18          679        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               70          $18,316,013.85                  7.11%       8.289%            355           83.93%           88.10%          614       36.38%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    541          106,726,066.66                  41.46        8.130            353            80.47            84.85          597        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     27            5,045,862.71                   1.96        8.399            354            81.77            85.08          570        45.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  510          127,352,223.85                  49.47        8.565            352            80.72            86.33          626        41.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     295          $63,852,911.07                 24.80%       8.809%            348           82.18%           85.61%          613       41.82%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     70           18,375,933.70                   7.14        8.527            355            80.42            86.11          617        39.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    525          122,561,795.54                  47.61        8.263            354            80.40            86.48          608        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    255           52,347,774.74                  20.33        7.988            355            80.50            84.45          619        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      3              301,752.02                   0.12        8.222            357            81.97            81.97          610        39.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,066         $252,912,765.05                 98.24%       8.298%            356           80.53%           85.57%          611       40.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                      82            4,527,402.02                   1.76       11.934            177            99.60            99.60          647        44.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               1             $383,755.71                  0.15%       9.050%            357           78.69%           78.69%          500       36.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              59           11,564,074.39                   4.49        9.011            357            69.67            69.67          514        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              86           16,862,203.72                   6.55        8.964            357            75.21            75.21          540        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             120           27,924,873.56                  10.85        8.583            356            78.33            78.57          565        38.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             196           41,971,010.17                  16.30        8.429            353            81.00            84.02          588        41.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             259           58,053,528.87                  22.55        8.369            354            82.31            87.03          613        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             184           42,557,647.31                  16.53        8.133            354            81.91            90.21          638        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             157           34,489,313.50                  13.40        8.101            347            83.71            92.59          662        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              83           22,942,452.42                   8.91        7.995            350            83.59            92.29          685        42.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.12        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               1              242,198.59                   0.09        7.950            356            90.00            90.00          744        10.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              129,458.40                   0.05        8.200            356            80.00           100.00          765        12.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 765
Weighted Average: 612





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           32           $6,965,971.39                  2.71%       8.629%            355           82.41%           88.67%          616       13.12%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          37            7,683,263.23                   2.98        8.436            356            73.48            79.01          610        22.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          52           12,605,423.80                   4.90        8.442            355            80.12            84.24          607        27.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         116           24,807,175.86                   9.64        8.294            355            78.97            82.26          610        32.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         172           38,548,453.30                  14.97        8.311            354            79.80            83.86          607        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         230           51,061,660.69                  19.83        8.431            353            82.09            86.56          613        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         349           79,122,664.65                  30.73        8.392            351            81.73            87.57          616        47.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         160           36,645,554.15                  14.23        8.203            353            81.22            86.92          609        50.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,148         $257,440,167.07                100.00%       8.362%            353           80.87%           85.82%          612       41.02%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 4.00
Maximum: 53.00
Weighted Average: 41.02

Carrington Mortgage Loan Trust, Series 2007-RFC1
Simultaneous Seconds

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,077
Aggregate Principal Balance ($): 219,630,551
Weighted Average Current Mortgage Rate (%): 8.110
Weighted Average Margin (%): 6.112
Weighted Average Maximum Rate (%): 14.407
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 360
Weighted Average Stated Remaining Term (months): 356
Weighted Average Combined Original LTV (%): 99.25
% First Liens: 100.00
% Owner Occupied: 99.19
% Purchase: 73.31
% Full Documentation: 43.09
Non-Zero Weighted Average FICO Score: 637





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                1              $52,770.27                  0.02%      11.750%            177           90.00%           95.00%          581       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               345           58,037,546.98                  26.43        8.545            357            80.15            99.33          631        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         1              212,000.00                   0.10        8.550            357            80.00           100.00          644        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              158,400.00                   0.07        9.250            356            80.00           100.00          648        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        202           51,465,372.51                  23.43        7.900            357            79.90            99.33          640        43.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          2              295,748.50                   0.13        8.373            356            81.41            98.59          599        47.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              141           20,942,573.47                   9.54        8.321            356            79.64            98.55          636        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 10YR-IO                                                        1              292,000.00                   0.13        6.625            357            80.00           100.00          630        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         6            1,379,320.00                   0.63        8.692            357            80.00            98.79          641        43.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                55            8,949,709.02                   4.07        8.078            357            80.12            99.63          635        37.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 3YR-IO                                                          1              173,600.00                   0.08        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         27            5,813,761.82                   2.65        7.700            356            79.55            97.89          641        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         182           45,487,366.69                  20.71        7.939            356            80.52            99.51          641        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          29            6,346,020.84                   2.89        7.714            356            80.16            98.58          635        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           6            1,260,880.93                   0.57        7.859            357            79.49            99.36          647        29.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            17            3,721,843.51                   1.69        8.185            356            80.00            99.62          631        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           6            1,267,691.29                   0.58        7.941            356            77.87            99.42          632        32.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           3              495,406.36                   0.23        7.559            355            80.00           100.00          646        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             5              664,086.12                   0.30        8.100            355            79.42           100.00          623        35.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          20            5,641,021.19                   2.57        7.794            357            79.90            99.41          650        41.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           3              792,492.02                   0.36        8.125            357            80.00           100.00          649        42.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             4            1,033,673.51                   0.47        7.868            356            79.57            98.51          671        44.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 5            1,048,145.47                   0.48        7.521            357            80.00           100.00          645        35.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                         14            4,099,120.00                   1.87        7.270            357            80.00            99.50          651        30.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           3           $1,115,898.17                  0.51%       5.767%            356           80.00%           99.07%          645       46.21%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          18            5,102,380.30                   2.32        6.335            356            80.00            98.43          646        41.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          70           18,447,547.28                   8.40        6.830            356            79.77            98.11          646        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         118           29,785,424.99                  13.56        7.316            356            79.62            99.33          645        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         282           62,881,518.20                  28.63        7.799            357            79.96            99.64          645        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         209           37,745,286.36                  17.19        8.271            357            80.01            99.30          635        41.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         183           33,392,522.56                  15.20        8.764            357            80.44            99.42          631        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          91           14,555,790.62                   6.63        9.281            356            80.70            98.75          621        43.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         52            8,763,543.24                   3.99        9.743            356            80.23            99.65          617        42.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        24            3,578,327.59                   1.63       10.234            356            79.99            97.34          610        44.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        23            3,605,981.10                   1.64       10.719            356            81.41            99.88          608        43.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2              531,389.68                   0.24       11.217            357            80.00           100.00          643        49.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1               52,770.27                   0.02       11.750            177            90.00            95.00          581        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.03       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.625%
Maximum: 12.225%
Weighted Average: 8.110%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                        1              $49,950.61                  0.02%       9.500%            358           31.85%           33.91%          552       32.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                150           12,649,017.95                   5.76        8.723            356            80.26            99.03          621        39.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               311           38,350,157.51                  17.46        8.407            356            79.79            99.30          627        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               212           37,112,289.83                  16.90        8.240            357            79.97            99.32          631        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               131           29,249,373.16                  13.32        8.073            356            80.20            99.75          635        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                79           21,632,150.15                   9.85        8.187            356            80.76            98.95          644        42.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                55           17,748,598.16                   8.08        7.970            356            80.12            99.15          640        44.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                44           16,373,416.27                   7.45        7.904            357            79.58            99.41          644        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                32           13,617,608.41                   6.20        7.653            357            80.22            98.99          653        38.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                25           11,873,791.03                   5.41        7.841            357            80.33            99.03          642        44.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                16            8,395,518.45                   3.82        7.777            356            80.00            99.70          657        44.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                14            8,091,166.04                   3.68        7.754            357            79.91            98.67          652        39.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 5            3,156,874.01                   1.44        7.574            356            80.00            98.97          644        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 2            1,330,638.92                   0.61        6.620            356            80.00           100.00          674        44.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $49,950.61
Maximum: $666,638.92
Weighted Average: $203,928.09





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               1              $52,770.27                  0.02%      11.750%            177           90.00%           95.00%          581       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,076          219,577,780.23                  99.98        8.109            356            80.07            99.25          637        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 360





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               1              $52,770.27                  0.02%      11.750%            177           90.00%           95.00%          581       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,076          219,577,780.23                  99.98        8.109            356            80.07            99.25          637        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 177
Maximum: 358
Weighted Average: 356





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           1              $49,950.61                  0.02%       9.500%            358           31.85%           33.91%          552       32.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           1              105,750.42                   0.05        7.250            357            47.32            52.94          612         0.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                           1               79,122.34                   0.04        7.500            357            58.31            73.01          587        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                           2              226,229.69                   0.10        7.495            358            61.93            77.64          623        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                           9            2,122,874.81                   0.97        8.159            356            72.11            82.98          612        36.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          13            2,560,101.16                   1.17        8.202            357            80.02            88.61          617        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          56           12,516,700.33                   5.70        7.898            355            81.18            94.56          629        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        994          201,969,821.14                  91.96        8.122            356            80.14            99.92          639        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 33.91%
Maximum: 100.00%
Weighted Average: 99.25%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               83,129.95                   0.04        9.200            355            85.00            95.00          605        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           2              425,289.38                   0.19        6.750            357            80.00            90.43          644        44.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          10            2,505,761.59                   1.14        6.894            357            79.63            97.96          649        36.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          18            4,622,289.89                   2.10        7.111            357            79.49            99.95          654        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          56           12,140,304.61                   5.53        7.573            357            79.89            99.02          637        42.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         123           24,545,160.20                  11.18        7.962            357            80.09            99.57          637        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         176           34,184,313.48                  15.56        8.002            357            80.00            99.57          638        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         245           58,858,106.26                  26.80        7.925            356            80.03            99.18          638        42.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         139           29,927,686.41                  13.63        8.299            356            80.30            99.38          639        41.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          59           10,126,114.55                   4.61        8.946            356            79.56            99.17          632        42.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          66           13,327,560.89                   6.07        9.027            356            81.42            99.53          633        43.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           6              726,396.27                   0.33        9.735            355            80.00           100.00          627        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          1               72,170.14                   0.03       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 9.715%
Non-Zero Weighted Average: 6.112%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              173,600.00                   0.08        6.750            357            80.00            91.06          625        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           4              893,199.67                   0.41        7.422            357            78.97            97.33          651        38.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           6            1,666,538.51                   0.76        7.527            357            80.00           100.00          650        45.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          33            6,688,319.91                   3.05        7.951            357            79.79            99.44          620        43.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          38            7,326,000.98                   3.34        8.458            357            80.23            98.96          618        45.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          42            6,735,666.76                   3.07        8.310            357            80.08            99.49          625        43.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          30            6,837,173.02                   3.11        7.227            356            81.06            98.70          637        42.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          58           15,212,623.08                   6.93        6.932            356            79.96            98.52          645        42.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          95           24,915,488.74                  11.34        7.309            356            79.76            99.49          645        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         221           53,074,798.30                  24.17        7.804            356            79.99            99.68          647        40.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         130           23,906,898.58                  10.89        8.256            356            79.88            99.28          640        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         109           21,969,025.90                  10.00        8.754            356            80.71            99.53          636        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          52            9,096,910.18                   4.14        9.278            356            80.96            98.75          617        42.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         42            7,153,504.55                   3.26        9.747            356            80.28            99.74          616        43.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        20            2,853,014.21                   1.30       10.236            356            79.47            97.26          614        44.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        19            2,793,597.45                   1.27       10.701            356            80.30            99.84          610        41.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1              175,753.64                   0.08       11.150            356            80.00           100.00          610        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.03       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.475%
Maximum: 12.225%
Non-Zero Weighted Average: 7.678%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1              195,349.68                   0.09        8.250            358            80.00           100.00          600        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              540,862.65                   0.25        5.917            355            80.00            98.09          680        43.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        15            4,053,650.44                   1.85        6.329            356            80.00            98.24          651        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        35            9,360,048.69                   4.26        6.807            356            79.90            99.04          648        42.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        57           15,263,884.44                   6.95        7.259            356            79.77            99.29          643        41.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       193           45,190,924.42                  20.58        7.666            356            80.05            99.31          644        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       173           36,170,799.60                  16.47        7.952            357            79.93            99.60          639        42.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       181           38,328,773.75                  17.45        8.274            357            80.12            99.55          638        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        88           15,364,824.10                   7.00        8.716            357            80.90            99.07          628        43.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        82           15,074,115.62                   6.86        9.189            356            80.52            99.74          627        38.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        40            6,782,775.73                   3.09        9.627            356            79.94            98.07          616        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        28            4,375,836.79                   1.99       10.387            357            81.13            99.91          609        43.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         4              597,241.83                   0.27       10.551            356            73.24            90.52          611        35.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         2              173,025.74                   0.08       10.632            356            84.92            97.54          600        35.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         1               72,170.14                   0.03       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.250%
Maximum: 18.225%
Non-Zero Weighted Average: 14.407%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  21            2,858,067.03                   1.30        9.534            356            79.93            99.91          620        43.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 881          188,686,216.59                  85.91        8.062            356            80.13            99.32          638        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.493%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 749          152,967,158.29                  69.65        8.161            356            80.12            99.37          637        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 153           38,577,125.33                  17.56        7.777            357            80.12            99.15          638        41.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.101%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            175          $28,086,266.88                 12.79%       8.288%            356           79.72%           98.74%          636       41.30%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               2              326,831.14                   0.15        8.027            353            80.00           100.00          630        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              37            7,075,639.23                   3.22        7.919            354            79.91            99.12          626        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            92           21,612,494.42                   9.84        7.962            355            80.54            99.37          635        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        157           30,169,912.57                  13.74        8.552            356            79.75            99.35          639        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          410           91,650,723.50                  41.73        8.063            357            80.21            99.48          638        42.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          61           11,729,546.30                   5.34        8.159            358            80.14            98.92          636        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.04        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                              11            1,712,648.67                   0.78        7.738            354            80.00            99.85          611        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            28            6,344,936.83                   2.89        7.273            355            80.12            98.62          638        42.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          9            2,231,211.46                   1.02        8.512            356            80.46            98.14          651        44.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           60           10,859,351.14                   4.94        8.023            357            79.89            98.93          641        37.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           9            1,338,841.96                   0.61        8.272            358            79.19            98.99          617        41.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2011                                                               1              163,294.18                   0.07        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          4            1,139,899.01                   0.52        8.081            356            79.43            99.29          637        36.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           19            5,033,859.24                   2.29        7.267            357            80.00            99.59          653        30.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           1               71,093.97                   0.03        7.500            358            80.00           100.00          658        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     19           $2,120,116.29                  0.97%       8.663%            357           80.00%          100.00%          612       38.36%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      6              852,048.61                   0.39        7.941            357            80.00           100.00          630        30.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     52           11,334,870.09                   5.16        8.009            356            79.71            99.28          643        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    138           50,176,760.62                  22.85        7.555            356            79.99            99.34          650        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     32            5,547,990.48                   2.53        7.935            357            80.00            99.82          638        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     11            2,407,134.21                   1.10        7.879            356            80.00            98.65          629        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      7            1,730,679.92                   0.79        8.002            357            80.00           100.00          618        41.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    124           26,652,643.81                  12.14        8.303            356            80.30            99.16          634        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     49            7,370,358.21                   3.36        8.648            356            80.46            99.44          619        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      4            1,685,779.78                   0.77        7.637            357            80.85            96.76          651        45.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      3              282,543.97                   0.13        7.867            357            80.00           100.00          618        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      2              278,141.23                   0.13        8.108            357            79.98            95.66          617        32.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     39            8,337,751.01                   3.80        8.300            356            80.57            98.72          637        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     16            1,907,918.27                   0.87        8.176            356            80.14            99.05          643        38.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      2              196,843.94                   0.09        8.510            355            83.30            96.87          590        43.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      6            1,003,914.57                   0.46        9.321            357            80.00            99.28          647        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     10            1,429,348.74                   0.65        8.165            356            80.00           100.00          621        41.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      9            2,228,281.69                   1.01        8.934            356            76.37            97.04          605        43.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     19            5,452,301.67                   2.48        8.083            356            80.81            97.36          637        38.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      9            1,175,857.70                   0.54        8.546            357            80.00           100.00          632        40.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     52            7,602,843.61                   3.46        8.718            356            79.71            98.63          636        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     31            5,703,199.11                   2.60        8.325            356            79.85            99.35          647        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     17            2,099,752.33                   0.96        8.607            357            80.18            99.47          624        38.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      6              862,740.00                   0.39        8.015            357            80.78           100.00          628        39.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     29            4,465,958.32                   2.03        8.364            356            79.84            99.57          623        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      2              204,270.30                   0.09        8.215            357            77.87           100.00          624        48.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      9            1,616,431.14                   0.74        7.902            355            81.10            99.51          634        45.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     12            3,334,570.25                   1.52        8.078            357            80.00            99.25          635        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      5              784,334.12                   0.36        8.046            357            79.09            97.58          649        45.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     13            3,212,515.73                   1.46        7.901            356            79.33            98.76          637        38.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     29            9,198,780.17                   4.19        7.934            356            80.09            99.92          656        45.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     31            3,940,382.20                   1.79        8.540            356            80.00            98.92          619        40.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      7              859,714.15                   0.39        8.048            358            80.72            99.72          634        36.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     15            3,329,461.14                   1.52        8.151            357            80.00           100.00          646        43.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     18            2,772,383.64                   1.26        8.158            357            79.98            99.73          637        37.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      5            1,023,395.82                   0.47        8.549            356            82.63            98.69          623        44.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      8            1,355,296.75                   0.62        8.717            356            80.00           100.00          632        41.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     27            3,646,042.13                   1.66        7.978            357            80.63            98.92          622        34.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    112           16,398,195.61                   7.47        8.596            356            80.20            99.81          630        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     17            2,444,489.16                   1.11        8.020            356            79.99            99.49          628        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     14            2,575,100.08                   1.17        8.066            356            79.78            99.73          630        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1              181,268.68                   0.08        7.850            354            80.00           100.00          603        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     22            3,823,662.09                   1.74        8.203            357            78.80            98.73          624        43.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     34            5,476,820.57                   2.49        8.136            357            80.81            99.38          637        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      4              547,658.59                   0.25        8.326            357            80.00           100.00          631        44.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 45





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                     4             $938,506.50                  0.43%       8.841%            356           89.62%           96.67%          615       42.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,068          217,845,102.01                  99.19        8.107            356            80.03            99.26          638        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             5              846,941.99                   0.39        8.037            356            80.00           100.00          628        46.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              764         $152,437,676.21                 69.41%       8.053%            356           80.15%           99.25%          637       41.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          167           35,444,766.38                  16.14        8.223            356            79.84            99.39          636        42.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  67           13,218,999.28                   6.02        8.108            356            79.54            98.95          645        41.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            45           11,381,916.15                   5.18        8.138            356            80.30            98.90          649        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           17            3,704,363.60                   1.69        8.785            357            80.29            99.51          636        45.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      9            1,329,670.26                   0.61        8.566            357            79.96            99.95          621        38.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    4            1,209,773.31                   0.55        8.670            357            80.00           100.00          613        46.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     3              728,010.98                   0.33        8.670            357            80.00            99.34          636        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            1              175,374.33                   0.08        8.650            357            80.50            99.68          652        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              800         $161,011,778.94                 73.31%       8.221%            356           80.20%           99.69%          639       41.40%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              180           40,281,221.34                  18.34        7.847            356            79.88            97.98          632        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              97           18,337,550.22                   8.35        7.715            357            79.40            98.20          638        43.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               67          $15,763,904.85                  7.18%       7.733%            356           80.74%           98.32%          628       40.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    531           94,647,348.42                  43.09        7.817            356            79.98            99.08          623        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     14            2,287,109.57                   1.04        8.093            356            79.75            99.51          619        43.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  465          106,932,187.66                  48.69        8.425            356            80.06            99.53          652        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     218          $45,514,301.97                 20.72%       8.412%            356           79.95%           98.99%          638       42.29%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     53           14,153,879.62                   6.44        8.196            357            79.92            99.06          635        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    561          115,423,209.44                  52.55        8.046            357            80.17            99.47          636        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      1              184,878.06                   0.08        7.325            355            80.00            95.00          629        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    235           43,294,573.29                  19.71        7.947            356            79.98            99.04          640        39.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      9            1,059,708.12                   0.48        7.720            357            79.99            99.00          623        34.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               4             $869,580.74                  0.40%       9.012%            357           69.89%           84.73%          517       39.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                               4              490,121.26                   0.22        9.875            357            87.11            96.10          544        40.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                               8            1,055,936.43                   0.48        9.535            356            78.25            93.72          565        42.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             152           24,007,967.32                  10.93        8.444            356            80.98            99.11          590        43.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             302           55,342,913.35                  25.20        8.297            356            79.94            99.16          613        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             292           62,380,790.22                  28.40        8.078            357            80.08            99.62          640        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             206           47,233,189.14                  21.51        7.921            357            79.87            99.33          662        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             105           27,244,073.88                  12.40        7.719            356            80.12            99.28          685        43.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.15        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               3              686,327.73                   0.31        7.993            356            80.00           100.00          758        33.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 510
Maximum: 765
Weighted Average: 637





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           59          $10,038,897.75                  4.57%       7.992%            357           78.73%           97.86%          637       13.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          32            4,791,444.76                   2.18        7.974            356            79.61            99.40          639        21.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          47            9,938,406.38                   4.53        8.114            357            79.11            98.76          635        26.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          69           12,433,110.60                   5.66        8.092            357            79.77            99.22          635        32.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         142           28,602,882.68                  13.02        8.021            356            80.07            99.07          637        37.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         210           42,019,787.66                  19.13        8.043            356            80.05            99.25          640        42.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         360           77,976,067.32                  35.50        8.229            356            80.30            99.38          639        47.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         158           33,829,953.35                  15.40        8.053            356            80.43            99.67          633        50.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,077         $219,630,550.50                100.00%       8.110%            356           80.07%           99.25%          637       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 2.00
Maximum: 53.00
Weighted Average: 41.68

Carrington Mortgage Loan Trust, Series 2007-RFC1
Second Liens

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 216
Aggregate Principal Balance ($): 11,360,849
Weighted Average Current Mortgage Rate (%): 11.639
Weighted Average Margin (%): 0.000
Weighted Average Maximum Rate (%): 0.000
Weighted Average Months to Roll: 0
Weighted Average Stated Original Term (months): 287
Weighted Average Stated Remaining Term (months): 284
Weighted Average Combined Original LTV (%): 99.81
% First Liens: 0.00
% Owner Occupied: 97.19
% Purchase: 88.96
% Full Documentation: 35.97
Non-Zero Weighted Average FICO Score: 644





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                2              $58,809.07                  0.52%      12.250%            177          100.00%          100.00%          594       46.78%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              132            6,774,638.12                  59.63       11.437            357            99.95            99.95          643        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            82            4,527,402.02                  39.85       11.934            177            99.60            99.60          647        44.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           1              $33,937.74                  0.30%       8.500%            357          100.00%          100.00%          611       26.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1               34,804.56                   0.31        9.180            357           100.00           100.00          663        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         35            1,127,829.40                   9.93        9.880            325            99.66            99.66          633        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         7              537,415.41                   4.73       10.377            337           100.00           100.00          667        39.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        14            1,038,163.27                   9.14       10.765            321            99.39            99.39          664        42.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        30            1,946,825.69                  17.14       11.369            266            99.79            99.79          661        44.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        45            2,768,802.76                  24.37       11.790            294           100.00           100.00          644        43.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        41            2,041,587.08                  17.97       12.313            251            99.90            99.90          643        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        26            1,359,972.19                  11.97       12.812            274            99.60            99.60          624        46.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8              236,498.96                   2.08       13.322            237           100.00           100.00          613        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   1.85       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.22       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 8.500%
Maximum: 14.375%
Weighted Average: 11.639%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      130           $3,992,424.29                 35.14%      11.678%            287           99.83%           99.83%          629       42.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 64            4,665,425.91                  41.07       11.613            262            99.68            99.68          653        43.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                20            2,387,438.82                  21.01       11.668            324           100.00           100.00          652        45.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                 2              315,560.19                   2.78       11.320            267           100.00           100.00          641        42.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,962.47
Maximum: $159,703.12
Weighted Average: $52,596.52





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              84           $4,586,211.09                 40.37%      11.938%            177           99.60%           99.60%          646       44.15%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             132            6,774,638.12                  59.63       11.437            357            99.95            99.95          643        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 287





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              84           $4,586,211.09                 40.37%      11.938%            177           99.60%           99.60%          646       44.15%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             132            6,774,638.12                  59.63       11.437            357            99.95            99.95          643        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 176
Maximum: 358
Weighted Average: 284





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                           6             $342,334.02                  3.01%      11.263%            210           94.65%           94.65%          654       45.63%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        210           11,018,515.19                  96.99       11.651            287            99.97            99.97          644        43.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 93.02%
Maximum: 100.00%
Weighted Average: 99.81%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 0.000%
Maximum: 0.000%
Non-Zero Weighted Average: 0.000%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 0.000%
Maximum: 0.000%
Non-Zero Weighted Average: 0.000%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 0.000%
Maximum: 0.000%
Non-Zero Weighted Average: 0.000%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 0.000%
Maximum: 0.000%
Non-Zero Weighted Average: 0.000%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 0.000%
Maximum: 0.000%
Non-Zero Weighted Average: 0.000%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      1              $36,937.23                  0.33%      11.700%            357          100.00%          100.00%          629       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                      3               90,480.32                   0.80       12.039            177            99.91            99.91          609        46.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      1               33,937.74                   0.30        8.500            357           100.00           100.00          611        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                      8              436,765.58                   3.84       12.092            301            98.86            98.86          642        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                     39            3,579,871.88                  31.51       11.520            298            99.85            99.85          655        43.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                      3              128,932.23                   1.13       13.141            250           100.00           100.00          617        48.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                      2              133,925.32                   1.18       12.875            295           100.00           100.00          650        47.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      3              158,669.88                   1.40       12.266            322           100.00           100.00          629        47.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     21            1,006,666.79                   8.86       11.626            297            99.96            99.96          644        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     12              392,768.71                   3.46       12.162            241           100.00           100.00          620        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      1               26,560.58                   0.23       11.450            177           100.00           100.00          660        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      4               97,771.36                   0.86       11.810            357           100.00           100.00          657        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                      4              202,175.42                   1.78       12.292            226           100.00           100.00          647        43.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                      3               81,577.34                   0.72       12.768            312           100.00           100.00          631        47.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      3              144,671.69                   1.27       12.678            211           100.00           100.00          635        38.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      2               88,331.16                   0.78       12.919            357           100.00           100.00          600        45.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                      4              314,896.98                   2.77       11.865            308           100.00           100.00          644        47.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      1               24,776.50                   0.22       11.600            357           100.00           100.00          661        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                      5              212,235.72                   1.87       12.470            340           100.00           100.00          643        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                      4              155,266.22                   1.37       11.085            242            98.32            98.32          632        48.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      4              112,104.80                   0.99       12.518            258           100.00           100.00          617        41.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      2               58,538.77                   0.52       12.573            241           100.00           100.00          608        39.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                      2               53,937.72                   0.47       12.424            357           100.00           100.00          627        38.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      1               23,381.57                   0.21       13.750            177           100.00           100.00          587        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      2               92,582.70                   0.81       11.781            177            99.99            99.99          636        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                      3              188,779.21                   1.66       10.722            357           100.00           100.00          670        46.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      3               99,449.79                   0.88       11.670            305           100.00           100.00          639        33.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      4              198,773.14                   1.75       11.662            252            99.91            99.91          647        45.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     14            1,194,313.80                  10.51       11.583            212            99.52            99.52          665        45.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      1               37,390.96                   0.33       12.500            357           100.00           100.00          640        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      2               68,714.29                   0.60       13.001            238           100.00           100.00          609        34.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      1               32,986.44                   0.29       13.500            178           100.00           100.00          590        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      1               34,600.30                   0.30       11.990            177           100.00           100.00          599        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      2               62,022.37                   0.55       10.527            278           100.00           100.00          629        49.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     32              954,191.99                   8.40        9.876            334           100.00           100.00          629        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      6              251,794.98                   2.22       12.184            315            99.22            99.22          620        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                      3              270,131.65                   2.38       12.111            270           100.00           100.00          648        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                      4              133,871.63                   1.18       12.658            207            99.55            99.55          627        45.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                      4              117,283.32                   1.03       12.238            316           100.00           100.00          609        44.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1               28,781.13                   0.25       13.250            177           100.00           100.00          611        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 40





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     209          $11,041,395.36                 97.19%      11.666%            282           99.80%           99.80%          644       43.16%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             7              319,453.85                   2.81       10.711            357           100.00           100.00          651        46.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              151           $7,974,307.11                 70.19%      11.744%            276           99.91%           99.91%          645       43.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           41            1,892,292.06                  16.66       11.162            316            99.89            99.89          639        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                             8              641,078.02                   5.64       11.544            261            99.23            99.23          667        47.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  13              635,734.64                   5.60       11.523            300            99.37            99.37          636        43.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    1              123,911.57                   1.09       12.875            357           100.00           100.00          604        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            1               62,337.92                   0.55       11.375            357            95.00            95.00          673        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      1               31,187.89                   0.27       13.750            178           100.00           100.00          595        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              192          $10,106,759.25                 88.96%      11.629%            284           99.84%           99.84%          645       43.36%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                               21            1,033,286.22                   9.10       11.715            286            99.63            99.63          638        42.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                               3              220,803.74                   1.94       11.760            275            99.12            99.12          641        44.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               15             $853,668.72                  7.51%      11.613%            321           99.98%           99.98%          631       37.47%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    103            4,085,991.12                  35.97       11.589            291            99.81            99.81          624        44.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      1               56,943.94                   0.50       12.750            176            98.95            98.95          611        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                   97            6,364,245.43                  56.02       11.666            276            99.79            99.79          659        43.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     126           $5,658,439.96                 49.81%      11.809%            274           99.77%           99.77%          640       44.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                      6              460,134.91                   4.05       11.989            295            99.96            99.96          633        44.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                     60            3,867,696.84                  34.04       11.432            289            99.86            99.86          652        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     24            1,374,577.50                  12.10       11.409            310            99.77            99.77          644        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 36
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              26             $926,711.52                  8.16%      12.456%            266           99.72%           99.72%          590       44.35%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                              56            2,313,369.10                  20.36       11.772            291            99.80            99.80          613        44.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                              53            3,054,087.89                  26.88       11.670            319            99.92            99.92          641        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              56            3,303,483.91                  29.08       11.569            257            99.81            99.81          661        43.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              25            1,763,196.79                  15.52       11.114            277            99.68            99.68          688        44.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 580
Maximum: 698
Weighted Average: 644





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                            3             $171,412.38                  1.51%      10.544%            295          100.00%          100.00%          640       11.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                           1               26,380.62                   0.23       12.750            357           100.00           100.00          653        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                           5              196,963.25                   1.73       10.890            278           100.00           100.00          649        27.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          16              740,661.40                   6.52       11.949            313           100.00           100.00          647        32.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          35            1,567,101.06                  13.79       11.590            293            99.87            99.87          637        37.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                          52            2,703,045.25                  23.79       11.497            295            99.80            99.80          652        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                          80            4,712,920.16                  41.48       11.671            271            99.71            99.71          645        47.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          24            1,242,365.09                  10.94       11.955            281            99.95            99.95          631        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                216          $11,360,849.21                100.00%      11.639%            284           99.81%           99.81%          644       43.27%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 10.00
Maximum: 50.00
Weighted Average: 43.27

Carrington Mortgage Loan Trust, Series 2007-RFC1
Purchase Loans

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,651
Aggregate Principal Balance ($): 291,842,356
Weighted Average Current Mortgage Rate (%): 8.672
Weighted Average Margin (%): 6.304
Weighted Average Maximum Rate (%): 14.820
Weighted Average Months to Roll: 26
Weighted Average Stated Original Term (months): 357
Weighted Average Stated Remaining Term (months): 354
Weighted Average Combined Original LTV (%): 94.99
% First Liens: 96.54
% Owner Occupied: 93.06
% Purchase: 100.00
% Full Documentation: 40.37
Non-Zero Weighted Average FICO Score: 627





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                4             $161,310.55                  0.06%      11.675%            176           95.16%           96.80%          584       43.16%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               602           99,286,244.44                  34.02        8.930            357            84.74            93.70          617        40.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         1              212,000.00                   0.07        8.550            357            80.00           100.00          644        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          2              432,500.00                   0.15        9.619            358            90.21            90.21          609        31.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        188           47,442,065.86                  16.26        7.992            357            81.51            98.43          637        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          2              295,748.50                   0.10        8.373            356            81.41            98.59          599        47.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              300           32,159,825.87                  11.02        9.335            357            85.98            93.84          629        39.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         4              834,920.00                   0.29        8.534            357            80.00            96.71          625        45.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            71            4,020,320.47                   1.38       11.919            177            99.61            99.61          649        43.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               108           17,513,182.82                   6.00        8.914            357            85.57            92.36          614        39.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         20            3,788,830.49                   1.30        8.396            357            82.32            95.62          636        40.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         245           61,488,724.42                  21.07        8.321            356            83.73            94.99          632        41.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          34            7,839,104.42                   2.69        8.459            356            85.55            94.50          631        42.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           4              868,457.29                   0.30        7.838            357            80.00           100.00          647        20.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            16            3,351,212.54                   1.15        8.503            356            80.12            93.45          631        44.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                          10            1,862,171.95                   0.64        8.281            355            82.50            97.17          620        33.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             3              319,950.71                   0.11        8.409            355            78.81           100.00          607        30.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          18            4,762,230.56                   1.63        8.089            357            81.82            97.65          655        43.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           3            1,055,298.60                   0.36        8.488            357            85.87            98.04          661        44.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           1              135,773.39                   0.05        7.625            357            90.00            90.00          561        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             2              622,552.47                   0.21        8.234            356            79.29            99.12          690        49.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 3              404,136.04                   0.14        8.313            357            82.00            98.00          631        45.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         1              332,500.00                   0.11        8.950            357            95.00            95.00          641        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          9            2,653,294.99                   0.91        7.576            357            83.21            96.79          640        33.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $333,948.69                  0.11%       5.990%            355           80.00%          100.00%          674       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           7            1,702,690.02                   0.58        6.354            355            80.00            93.62          649        39.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          48           13,383,539.88                   4.59        6.827            356            79.71            95.25          646        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          93           25,183,934.07                   8.63        7.324            356            81.32            96.64          645        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         256           57,702,614.03                  19.77        7.808            357            80.43            97.01          645        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         262           50,333,024.51                  17.25        8.285            357            82.11            93.71          627        40.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         261           49,530,070.83                  16.97        8.778            357            84.50            95.02          627        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         178           29,606,320.14                  10.14        9.306            356            87.21            93.41          610        41.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        211           31,372,643.68                  10.75        9.788            355            88.14            92.73          599        38.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        92           12,497,521.22                   4.28       10.282            356            89.27            94.02          608        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        84           10,677,166.68                   3.66       10.755            352            88.86            94.78          603        42.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        34            2,567,272.20                   0.88       11.313            296            96.11            97.48          640        44.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        47            3,084,884.61                   1.06       11.751            300            97.93            98.01          628        44.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        42            2,290,681.49                   0.78       12.292            266            99.44            99.60          642        42.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        22            1,207,282.01                   0.41       12.819            286            99.77            99.77          625        46.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         7              190,529.11                   0.07       13.340            251           100.00           100.00          612        41.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         6              178,233.21                   0.06       13.735            199           100.00           100.00          591        45.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.990%
Maximum: 13.750%
Weighted Average: 8.672%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      122           $3,773,822.35                  1.29%      11.444%            294           97.74%           97.74%          627       41.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                336           26,505,938.29                   9.08        9.650            341            85.84            93.18          614        38.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               415           51,582,439.62                  17.67        8.971            355            84.15            95.32          620        40.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               271           47,383,001.56                  16.24        8.738            356            84.14            94.57          619        39.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               168           37,634,322.10                  12.90        8.559            357            83.35            94.38          626        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               105           28,721,196.26                   9.84        8.594            356            84.66            95.02          628        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                74           23,949,811.04                   8.21        8.237            357            83.30            93.84          632        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                58           21,654,604.97                   7.42        8.253            357            85.24            95.83          631        44.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                36           15,277,539.34                   5.23        8.129            357            83.86            95.79          647        38.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                27           12,809,647.97                   4.39        8.028            357            83.15            97.39          638        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                16            8,391,522.54                   2.88        7.871            356            80.60            95.60          662        44.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                14            8,059,580.23                   2.76        8.116            356            81.30            98.50          646        36.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 5            3,127,043.83                   1.07        8.214            357            86.96            98.97          644        36.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              666,638.92                   0.23        6.800            355            80.00           100.00          680        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 2            1,462,059.44                   0.50        9.134            356            84.09            84.09          592        35.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 1              843,187.92                   0.29        9.500            355            89.93            89.93          619        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,962.47
Maximum: $843,187.92
Weighted Average: $176,767.02





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              75           $4,181,631.02                  1.43%      11.909%            177           99.44%           99.50%          647       43.87%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,576          287,660,725.36                  98.57        8.625            357            84.01            94.92          627        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 357





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              75           $4,181,631.02                  1.43%      11.909%            177           99.44%           99.50%          647       43.87%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,576          287,660,725.36                  98.57        8.625            357            84.01            94.92          627        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 175
Maximum: 358
Weighted Average: 354





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           1              $99,839.21                  0.03%       9.150%            357           23.32%           23.32%          511       28.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           1               49,893.44                   0.02        7.750            357            26.32            26.32          545        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           1               74,908.80                   0.03        8.500            358            36.06            36.06          590        34.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           1               53,883.12                   0.02        9.100            356            45.00            45.00          514        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           4              429,161.63                   0.15        9.345            357            49.04            49.04          587        27.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           6              707,592.29                   0.24        8.310            356            52.80            52.80          587        41.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           9            1,321,344.42                   0.45        7.813            357            58.51            58.51          580        28.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                           7            1,090,715.31                   0.37        8.527            357            63.46            63.46          570        39.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          15            2,337,853.05                   0.80        8.441            357            69.15            69.15          587        37.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          12            2,211,360.65                   0.76        8.835            356            74.54            74.54          584        45.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          97           18,817,870.38                   6.45        8.454            356            79.90            79.90          610        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          52            8,632,551.02                   2.96        9.062            357            83.73            84.60          586        39.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         235           44,580,278.74                  15.28        8.999            357            89.65            89.83          607        38.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         200           37,187,301.85                  12.74        9.291            355            93.59            94.83          622        39.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                      1,010          174,247,802.47                  59.71        8.468            353            82.29            99.95          639        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 23.32%
Maximum: 100.00%
Weighted Average: 94.99%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               83,129.95                   0.03        9.200            355            85.00            95.00          605        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              166,203.19                   0.06        7.925            356            80.00            80.00          686         0.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           5            1,172,142.82                   0.40        6.791            357            80.00           100.00          637        37.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          20            4,598,069.24                   1.58        7.327            357            81.05            92.69          648        34.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          54           11,690,106.53                   4.01        7.781            357            83.05            94.30          631        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         139           28,050,267.49                   9.61        8.080            357            81.35            94.25          629        40.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         218           41,458,346.79                  14.21        8.350            357            83.05            95.15          631        39.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         345           76,077,893.17                  26.07        8.369            357            83.71            95.76          626        41.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         194           37,657,518.30                  12.90        8.716            356            83.86            95.48          627        42.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         113           19,188,345.60                   6.57        9.377            356            86.26            94.02          607        39.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         134           26,367,005.82                   9.03        9.323            356            86.55            94.83          623        39.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          16            2,481,698.21                   0.85        9.807            356            88.62            93.96          614        43.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           6              694,737.26                   0.24       10.484            356            91.85            91.85          605        46.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           2              245,248.11                   0.08       10.232            356            93.48            93.48          636        30.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          3              441,551.29                   0.15       11.353            355            88.64            89.46          585        48.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 9.715%
Non-Zero Weighted Average: 6.304%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           1              103,343.76                   0.04        7.000            357            80.00           100.00          649        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          10            2,369,686.69                   0.81        7.573            357            81.99            92.91          637        44.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          32            6,544,161.86                   2.24        7.930            357            82.30            96.34          619        44.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          53           10,257,021.93                   3.51        8.461            357            81.16            92.71          613        44.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          55            8,720,179.87                   2.99        8.763            357            85.12            95.96          618        41.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          49            8,190,873.78                   2.81        8.763            357            88.14            93.13          615        42.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          70           15,319,570.94                   5.25        7.555            357            82.98            95.59          633        39.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          98           25,482,496.58                   8.73        7.775            356            83.73            96.28          637        39.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         209           50,499,079.91                  17.30        7.854            356            80.89            97.66          646        40.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         170           33,940,339.12                  11.63        8.264            357            82.73            93.85          632        40.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         164           32,455,189.48                  11.12        8.794            356            84.39            95.12          629        40.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         103           19,109,047.95                   6.55        9.305            356            86.74            92.94          610        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        125           22,114,922.17                   7.58        9.799            357            87.55            93.00          599        38.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        53            7,557,367.82                   2.59       10.265            356            87.24            93.96          607        42.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        51            6,991,146.90                   2.40       10.756            356            85.99            93.80          597        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         6              585,457.83                   0.20       11.169            357            89.40            95.41          596        45.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1               60,207.04                   0.02       11.750            355            84.93            84.93          502        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.02       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 4.000%
Maximum: 12.225%
Non-Zero Weighted Average: 8.008%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1              195,349.68                   0.07        8.250            358            80.00           100.00          600        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              333,948.69                   0.11        5.990            355            80.00           100.00          674        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         6            1,250,690.02                   0.43        6.410            355            79.99            91.31          661        38.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        27            6,855,524.26                   2.35        6.911            356            79.49            95.80          648        39.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        43           12,869,591.59                   4.41        7.277            356            81.44            95.95          644        38.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       175           41,352,615.71                  14.17        7.720            356            81.02            96.97          642        41.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       206           43,310,336.41                  14.84        8.054            357            82.02            94.38          631        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       238           49,452,164.67                  16.94        8.427            357            83.60            96.11          634        40.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       169           30,864,891.11                  10.58        8.888            357            86.26            93.49          615        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       178           31,202,620.45                  10.69        9.448            357            85.87            94.21          609        38.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        94           16,169,443.43                   5.54        9.799            356            88.13            94.34          608        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        80           12,750,178.76                   4.37       10.325            357            87.53            93.41          597        40.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        17            1,948,322.57                   0.67       10.579            356            87.45            92.75          616        37.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        13            1,533,318.57                   0.53       10.848            356            90.62            92.05          585        47.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              283,267.85                   0.10       12.161            356            96.18            97.45          627        44.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.250%
Maximum: 18.225%
Non-Zero Weighted Average: 14.820%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  24            3,634,491.27                   1.25        9.524            356            83.27            96.85          619        43.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,227          246,737,772.50                  84.54        8.522            357            83.85            95.03          626        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.493%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                               1,046          201,802,202.11                  69.15        8.614            356            83.98            94.87          626        40.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 205           48,570,061.66                  16.64        8.217            357            83.29            95.85          629        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.097%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            400          $41,470,092.61                 14.21%       9.488%            338           86.59%           94.57%          631       40.42%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               3              693,220.23                   0.24        9.930            353            87.72            90.07          569        38.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              42            8,174,971.62                   2.80        8.054            354            80.51            93.02          628        43.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           128           26,887,835.04                   9.21        8.382            355            82.81            94.38          628        42.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        208           39,183,424.88                  13.43        8.801            356            83.01            95.40          628        40.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          594          123,503,441.19                  42.32        8.483            357            84.10            95.60          626        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          93           17,338,792.77                   5.94        8.607            358            84.70            94.79          629        39.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               5              965,641.07                   0.33        7.925            354            84.45            98.26          627        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            30            5,636,608.64                   1.93        8.831            355            86.14            92.83          620        42.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         21            4,472,865.57                   1.53        9.038            356            88.31            93.81          635        40.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           92           16,409,741.64                   5.62        8.621            357            84.07            93.53          624        39.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          17            2,711,559.41                   0.93        8.802            358            84.88            92.77          603        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          1              499,200.00                   0.17        8.200            356            80.00           100.00          645        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           17            3,894,961.71                   1.33        7.750            357            84.02            96.83          637        32.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      2             $129,774.49                  0.04%       9.947%            358           92.85%           92.85%          573       38.99%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     42            4,964,958.13                   1.70        9.406            355            87.57            93.39          599        38.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     12            1,256,215.44                   0.43        9.268            357            87.64            95.19          608        36.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     59           11,920,664.40                   4.08        8.145            355            81.80            96.21          635        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    181           54,469,272.04                  18.66        8.116            353            82.95            96.44          642        41.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     28            4,116,124.81                   1.41        8.483            357            82.48            94.54          628        39.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     16            3,186,757.29                   1.09        8.864            354            86.65            97.25          623        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1               99,789.00                   0.03        7.800            357            50.00            50.00          660         7.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      9            1,946,093.24                   0.67        9.016            354            85.99            98.34          618        38.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    202           40,356,266.07                  13.83        8.758            355            85.04            95.05          625        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     70           10,148,574.83                   3.48        8.968            353            84.37            95.26          613        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      6            1,623,015.31                   0.56        7.721            354            78.94            93.68          649        45.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      9              848,999.97                   0.29        9.567            356            85.55            90.05          617        42.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      5              858,047.05                   0.29        8.455            357            86.57            89.23          636        39.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     50            9,891,066.94                   3.39        8.725            354            83.88            94.91          632        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     35            3,432,236.71                   1.18        9.082            356            88.49            93.63          607        32.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      4              470,690.37                   0.16        9.728            357            94.91            94.91          637        37.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     11            1,195,627.04                   0.41        9.038            357            87.63            94.58          608        38.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     30            4,076,913.86                   1.40        9.341            351            88.79            95.24          614        40.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     14            3,169,916.81                   1.09        8.651            356            83.75            89.79          621        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     33            8,193,424.98                   2.81        8.618            354            84.85            94.35          637        39.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                     10            1,382,839.17                   0.47        8.486            357            82.50            97.86          633        41.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     61            7,960,790.59                   2.73        9.115            356            83.07            95.93          628        40.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     30            4,569,696.66                   1.57        8.757            355            82.10            95.09          629        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     29            3,075,931.60                   1.05        9.148            353            83.68            93.16          614        38.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     21            2,103,030.14                   0.72        9.550            357            85.73            89.22          616        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      1              204,675.99                   0.07        7.200            358            67.21            67.21          665         7.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     43            6,360,595.44                   2.18        8.781            356            84.51            95.09          618        41.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      2              198,698.16                   0.07        9.429            357            98.64            98.64          637        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      5              554,240.39                   0.19        9.945            350            89.74            93.14          596        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      8            1,262,128.78                   0.43        8.973            349            85.53            96.34          641        42.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     30            8,507,221.59                   2.92        8.881            357            87.22            92.32          623        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     10            1,581,697.17                   0.54        9.073            354            90.06            96.31          636        37.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     20            4,015,917.77                   1.38        8.390            355            82.47            93.90          629        37.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     60           15,573,290.16                   5.34        8.532            346            83.72            94.74          643        44.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     52            5,795,953.35                   1.99        9.025            356            84.01            93.06          613        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     14            1,624,768.88                   0.56        9.020            352            83.78            92.68          617        34.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     18            3,767,281.70                   1.29        8.566            355            82.88            97.88          633        42.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     38            5,323,816.16                   1.82        8.960            357            86.58            92.07          622        38.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      5            1,016,862.49                   0.35        9.098            356            80.17            88.05          587        32.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     24            3,433,591.70                   1.18        9.666            355            88.20            96.10          608        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     36            4,486,047.92                   1.54        8.663            356            83.95            94.74          611        36.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    208           27,087,734.05                   9.28        8.893            355            83.35            95.14          617        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     21            2,483,261.92                   0.85        8.609            354            83.38            93.45          623        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     16            2,673,051.38                   0.92        8.919            348            87.08            95.17          623        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     33            5,950,046.75                   2.04        8.460            355            84.04            92.54          613        40.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     31            3,710,014.78                   1.27        8.792            355            85.23            98.20          626        40.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      1               81,000.09                   0.03       10.070            355            90.00            90.00          616        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      5              703,742.82                   0.24        8.582            350            87.91           100.00          635        44.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 49





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    51           $8,065,739.90                  2.76%       9.031%            356           87.56%           88.38%          654       37.76%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,529          271,590,167.01                  93.06        8.631            354            83.85            95.32          626        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            71           12,186,449.47                   4.18        9.347            356            90.55            91.94          632        42.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,147         $193,803,232.43                 66.41%       8.668%            354           84.35%           94.90%          626       40.20%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          270           51,750,711.70                  17.73        8.678            355            83.76            95.23          625        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                 102           18,407,665.59                   6.31        8.573            354            84.07            95.05          634        41.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            75           16,324,339.28                   5.59        8.566            353            83.60            95.11          642        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           29            6,630,434.44                   2.27        8.857            357            85.35            94.74          620        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    8            2,250,186.20                   0.77        9.367            357            86.51            97.26          618        43.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     17            2,026,036.96                   0.69        9.010            354            83.79            93.77          627        39.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            2              411,639.65                   0.14       10.142            356            95.00            95.00          565        37.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1              238,110.13                   0.08        8.500            358            80.00           100.00          598        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                            1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               91          $16,847,940.13                  5.77%       8.554%            355           84.98%           96.20%          617       38.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    773          117,814,349.59                  40.37        8.428            355            84.27            94.56          610        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     21            3,345,286.31                   1.15        8.628            356            84.82            93.32          599        43.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  766          153,834,780.35                  52.71        8.873            353            84.11            95.22          642        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     434          $73,174,353.73                 25.07%       9.068%            351           85.64%           94.71%          631       41.49%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       2              298,539.27                   0.10       10.608            355            89.20            89.20          580        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     81           18,932,813.58                   6.49        8.710            355            82.77            94.29          625        40.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    831          152,244,638.36                  52.17        8.473            355            83.86            95.56          626        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      2              416,247.85                   0.14        7.695            356            85.42            92.08          647        34.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    293           45,907,847.72                  15.73        8.686            356            83.79            93.86          626        39.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      8              867,915.87                   0.30        8.344            357            83.15            97.25          620        32.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,459         $281,735,597.13                 96.54%       8.566%            356           83.67%           94.81%          626       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     192           10,106,759.25                   3.46       11.629            284            99.84            99.84          645        43.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              24           $3,241,800.12                  1.11%       9.330%            357           76.37%           76.37%          516       38.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              59            8,884,875.07                   3.04        9.493            357            83.93            84.43          539        35.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              94           13,980,963.14                   4.79        9.444            356            85.72            86.80          563        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             278           43,238,234.92                  14.82        9.046            354            85.63            92.82          589        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             403           68,739,316.76                  23.55        8.757            355            84.68            95.48          613        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             376           71,187,600.42                  24.39        8.503            355            83.67            97.15          639        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             268           49,780,556.45                  17.06        8.388            351            83.50            96.89          662        40.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             140           31,027,262.41                  10.63        8.186            352            83.98            97.53          686        42.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.11        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               2              411,786.64                   0.14        7.966            356            92.06            92.06          746        20.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               5              967,486.08                   0.33        8.082            356            82.19            96.38          758        35.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

776 - 800                                                               1               62,823.94                   0.02        7.850            356            90.00            90.00          777        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 502
Maximum: 777
Weighted Average: 627





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           95          $17,302,380.75                  5.93%       8.359%            356           83.20%           92.88%          619       11.79%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          53            7,318,863.51                   2.51        8.650            357            84.65            94.89          623        22.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          84           14,891,082.74                   5.10        8.839            356            84.91            92.99          624        26.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         120           19,074,932.86                   6.54        8.683            355            84.46            94.33          627        32.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         216           37,219,264.74                  12.75        8.682            354            84.64            95.21          629        37.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         340           56,653,398.74                  19.41        8.697            354            84.36            94.83          628        42.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         530           99,373,431.31                  34.05        8.697            353            84.07            95.49          630        47.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         213           40,009,001.73                  13.71        8.635            355            84.09            95.76          621        50.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,651         $291,842,356.38                100.00%       8.672%            354           84.23%           94.99%          627       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 40.67

Carrington Mortgage Loan Trust, Series 2007-RFC1
Stated Documentation

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,791
Aggregate Principal Balance ($): 367,759,911
Weighted Average Current Mortgage Rate (%): 8.743
Weighted Average Margin (%): 6.369
Weighted Average Maximum Rate (%): 14.945
Weighted Average Months to Roll: 26
Weighted Average Stated Original Term (months): 358
Weighted Average Stated Remaining Term (months): 354
Weighted Average Combined Original LTV (%): 86.52
% First Liens: 98.27
% Owner Occupied: 92.57
% Purchase: 41.83
% Full Documentation: 0.00
Non-Zero Weighted Average FICO Score: 626





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               13           $1,757,658.82                  0.48%       8.511%            178           61.66%           61.81%          606       32.18%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                1              208,909.14                   0.06        7.990            237            79.25            79.25          630        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               651          126,573,951.48                  34.42        8.991            357            81.46            86.29          617        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         1              212,000.00                   0.06        8.550            357            80.00           100.00          644        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          3              588,900.00                   0.16        9.644            357            84.89            90.27          649        35.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        128           34,724,416.44                   9.44        8.237            356            81.61            94.38          649        42.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          2              287,239.91                   0.08        8.880            356            88.55            91.45          604        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              328           44,739,019.80                  12.17        9.029            357            79.21            82.38          630        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         7            1,388,594.38                   0.38        8.632            357            78.60            89.03          661        41.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            44            2,854,123.21                   0.78       11.880            177            99.66            99.66          662        44.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               119           23,129,354.02                   6.29        8.759            357            81.35            85.55          622        39.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         22            5,250,221.28                   1.43        8.158            356            82.85            90.23          643        42.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         315           86,042,458.41                  23.40        8.592            356            80.51            86.39          622        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          64           16,336,425.98                   4.44        8.434            356            81.16            83.75          628        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                          13            2,829,581.49                   0.77        7.962            357            80.68            86.27          623        37.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            32            7,053,349.61                   1.92        8.051            357            74.25            78.84          621        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           3              487,174.55                   0.13        8.114            356            66.92            77.48          662        49.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           1              207,847.19                   0.06        8.125            356            80.00           100.00          643        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          25            7,455,737.10                   2.03        8.073            357            81.32            92.21          651        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           7            2,292,267.26                   0.62        8.379            357            83.40            90.31          642        42.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           1              304,956.87                   0.08        9.500            358            77.22            77.22          565        17.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             5            1,488,302.18                   0.40        8.426            357            80.74            89.03          642        45.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1              115,771.96                   0.03        8.150            357            80.00           100.00          658        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          5            1,431,650.00                   0.39        8.189            357            80.15            86.30          629        34.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           2             $572,828.90                  0.16%       5.751%            357           74.31%           74.31%          621       43.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           7            1,242,854.80                   0.34        6.324            356            58.72            60.26          652        44.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          39            8,985,416.56                   2.44        6.868            356            69.97            75.55          638        38.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          90           24,491,666.29                   6.66        7.355            356            76.55            85.32          645        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         275           70,637,744.28                  19.21        7.816            356            78.10            87.38          644        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         285           63,516,711.36                  17.27        8.291            355            78.52            83.80          629        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         359           76,208,124.97                  20.72        8.807            355            81.29            86.23          619        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         221           43,934,591.46                  11.95        9.313            357            84.44            88.27          618        41.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        217           38,944,319.42                  10.59        9.789            356            84.37            88.01          606        39.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       110           18,147,724.61                   4.93       10.266            356            86.67            90.02          609        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        81           12,090,274.94                   3.29       10.750            355            85.09            90.48          602        43.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        28            3,134,683.56                   0.85       11.284            310            93.91            97.30          647        44.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        33            3,072,633.76                   0.84       11.714            324            88.23            88.32          610        42.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        28            1,967,150.21                   0.53       12.305            268            89.31            89.50          637        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        14              755,030.86                   0.21       12.804            272            95.79            95.79          633        45.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         2               58,155.10                   0.02       13.198            264           100.00           100.00          643        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.625%
Maximum: 13.275%
Weighted Average: 8.743%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       48           $1,679,985.28                  0.46%      11.417%            292           92.59%           92.59%          641       39.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                272           21,987,490.39                   5.98        9.576            338            79.79            83.63          625        37.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               394           49,768,776.98                  13.53        9.160            354            79.53            84.23          621        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               336           58,659,605.52                  15.95        8.858            356            80.56            85.86          621        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               251           56,214,450.19                  15.29        8.708            356            80.53            85.32          620        41.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               157           42,890,831.98                  11.66        8.715            357            80.76            86.13          624        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                               103           33,235,027.94                   9.04        8.324            353            81.14            86.78          636        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                87           32,608,002.97                   8.87        8.429            357            82.52            89.86          628        43.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                62           26,334,542.09                   7.16        8.361            356            82.39            87.86          629        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                30           14,097,647.22                   3.83        8.390            357            80.23            88.15          633        44.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                20           10,553,941.75                   2.87        8.281            356            78.71            88.68          646        44.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                16            9,210,152.96                   2.50        8.365            356            82.64            95.13          651        40.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 6            3,774,262.18                   1.03        8.284            357            79.90            93.19          639        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 3            2,004,205.64                   0.54        8.819            356            83.38            83.38          571        39.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 2            1,435,494.14                   0.39        8.784            357            87.44            87.44          626        47.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              778,482.21                   0.21        8.200            357            78.00            78.00          578        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 2            1,647,676.76                   0.45        9.891            356            89.96            89.96          605        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

850,000.01 - 900,000.00                                                 1              879,334.88                   0.24        9.450            356            76.19            76.19          606        25.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,971.78
Maximum: $879,334.88
Weighted Average: $205,337.75





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              57           $4,611,782.03                  1.25%      10.596%            177           85.17%           85.23%          641       39.87%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1              208,909.14                   0.06        7.990            237            79.25            79.25          630        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,733          362,939,219.91                  98.69        8.720            357            80.80            86.54          625        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 358





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              57           $4,611,782.03                  1.25%      10.596%            177           85.17%           85.23%          641       39.87%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1              208,909.14                   0.06        7.990            237            79.25            79.25          630        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,733          362,939,219.91                  98.69        8.720            357            80.80            86.54          625        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 176
Maximum: 358
Weighted Average: 354





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           2             $276,775.09                  0.08%      10.918%            357           18.81%           18.81%          549       23.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           2              206,756.89                   0.06        7.943            358            23.72            23.72          597        45.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           2              184,708.09                   0.05       10.282            356            28.11            28.11          540        18.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           6              726,684.27                   0.20        8.039            357            32.05            32.05          624        36.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          14            1,740,897.46                   0.47        8.342            357            37.76            37.76          574        31.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          16            2,392,127.04                   0.65        8.431            328            42.43            42.43          595        39.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          29            4,870,720.82                   1.32        8.442            349            48.48            48.48          591        39.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          23            4,775,136.14                   1.30        8.618            357            53.13            53.13          591        40.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          58            9,402,619.50                   2.56        8.186            351            58.45            58.45          602        36.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          58            9,887,093.78                   2.69        8.364            356            63.90            63.90          594        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          67           13,682,786.59                   3.72        8.316            352            68.60            68.60          603        38.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         100           21,099,104.51                   5.74        8.414            355            73.99            73.99          598        40.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         242           52,909,721.45                  14.39        8.579            356            79.34            79.36          612        40.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         152           32,659,321.90                   8.88        8.761            356            84.15            84.41          610        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         236           53,899,903.38                  14.66        9.006            357            89.42            89.63          624        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         231           46,016,841.16                  12.51        9.404            356            93.54            94.69          628        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        553          113,028,713.01                  30.73        8.643            352            82.17            99.94          654        42.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 17.23%
Maximum: 100.00%
Weighted Average: 86.52%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           2              196,511.13                   0.05        8.652            356            54.42            58.65          609        45.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           6            1,270,890.37                   0.35        7.217            357            72.95            74.93          620        44.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          10            1,940,885.37                   0.53        7.103            357            65.49            70.70          630        34.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          33            7,477,908.29                   2.03        7.568            357            76.28            79.88          632        39.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          71           15,116,146.67                   4.11        7.952            357            78.48            83.03          632        41.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         117           27,559,920.01                   7.49        8.367            357            80.24            87.36          627        40.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         231           50,624,765.33                  13.77        8.608            357            81.35            86.70          626        40.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         329           78,018,385.70                  21.21        8.622            357            81.57            88.95          626        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         234           54,191,250.74                  14.74        8.735            356            81.66            88.67          626        41.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         130           25,910,804.93                   7.05        9.189            356            80.07            85.78          614        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         173           41,956,664.79                  11.41        9.228            356            83.86            88.33          622        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          17            3,112,382.58                   0.85        9.906            355            81.38            85.64          603        43.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           3              338,313.10                   0.09       10.466            356            92.26            92.26          622        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1              170,709.48                   0.05       10.250            356            95.00            95.00          628        23.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          4              384,415.45                   0.10       11.612            356            74.82            75.76          574        39.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.750%
Maximum: 9.750%
Non-Zero Weighted Average: 6.369%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1              113,381.18                   0.03        8.250            357            32.00            32.00          612        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           4              852,997.80                   0.23        7.216            357            69.50            69.50          596        45.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           7            1,444,939.24                   0.39        7.118            358            69.21            76.20          629        34.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          23            5,244,303.24                   1.43        7.583            357            75.98            79.71          632        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          46            9,974,690.07                   2.71        7.963            357            78.67            82.84          627        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          52           11,984,979.30                   3.26        8.450            357            80.00            83.64          615        43.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          73           15,051,071.04                   4.09        8.718            357            83.00            85.81          615        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          54           10,005,383.77                   2.72        9.246            357            87.11            88.62          619        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          45            9,967,537.31                   2.71        8.139            357            80.13            84.23          630        40.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          68           17,913,102.82                   4.87        7.760            357            80.53            90.08          649        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         189           54,219,803.20                  14.74        7.894            357            79.74            91.04          647        40.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         164           39,980,240.41                  10.87        8.275            357            79.11            85.38          632        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         227           52,255,695.07                  14.21        8.815            356            80.91            86.33          620        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         136           29,432,750.71                   8.00        9.311            356            83.25            87.09          614        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        142           27,944,772.21                   7.60        9.797            356            83.40            88.04          602        40.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        65           11,644,739.71                   3.17       10.249            356            86.75            91.00          610        42.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        54            8,445,097.31                   2.30       10.744            356            83.62            90.09          596        42.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         5              968,928.38                   0.26       11.196            356            93.34            96.97          627        45.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         4              588,410.62                   0.16       11.655            355            84.88            84.88          554        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              237,130.55                   0.06       12.225            357            39.70            41.22          573        34.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.750%
Maximum: 12.225%
Non-Zero Weighted Average: 8.067%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              259,413.97                   0.07        9.990            355            94.55            94.55          656        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         3              727,150.68                   0.20        6.262            355            70.31            72.95          638        48.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        22            5,749,838.31                   1.56        6.912            356            73.25            81.00          637        39.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        50           13,575,547.42                   3.69        7.385            357            76.43            84.28          643        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       182           48,303,533.25                  13.13        7.790            357            78.45            87.30          641        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       196           47,053,456.51                  12.79        8.164            357            79.77            86.53          634        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       278           64,994,724.25                  17.67        8.590            357            81.52            87.97          626        41.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       185           40,018,399.17                  10.88        8.965            357            82.49            86.21          620        42.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       196           41,046,216.86                  11.16        9.402            357            82.92            88.17          614        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                       115           23,573,878.42                   6.41        9.750            356            86.14            90.64          613        40.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        86           14,690,742.71                   3.99       10.227            356            83.08            88.55          596        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        21            4,034,648.31                   1.10       10.467            356            86.43            88.99          601        42.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        18            3,042,440.07                   0.83       10.802            357            83.20            83.91          579        44.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              446,592.98                   0.12       11.527            356            93.39            94.20          609        35.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         4              588,410.62                   0.16       11.655            355            84.88            84.88          554        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.04       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.990%
Maximum: 19.225%
Non-Zero Weighted Average: 14.945%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  25            3,634,132.49                   0.99        9.767            356            82.55            91.30          613        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,336          304,635,821.45                  82.84        8.680            357            81.18            87.24          625        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.494%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                               1,163          257,406,845.54                  69.99        8.700            357            81.50            87.51          626        41.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 195           50,142,234.86                  13.63        8.651            357            79.60            86.25          617        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   2              625,040.44                   0.17        8.964            355            81.22            81.22          688        50.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.000                                                                   1               95,833.10                   0.03        8.750            357            80.00            80.00          560        22.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 3.000%
Non-Zero Weighted Average: 1.084%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            430          $59,489,957.14                 16.18%       9.007%            342           79.11%           82.49%          631       39.97%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                2              684,097.88                   0.19        8.550            352            74.02            74.02          590        39.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               4            1,001,224.87                   0.27        9.315            353            87.74            92.65          604        32.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              22            5,218,438.74                   1.42        8.843            354            80.38            88.60          627        43.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           124           30,823,093.77                   8.38        8.744            355            80.44            86.68          619        42.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        219           47,783,477.61                  12.99        8.956            356            81.17            88.42          626        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          625          142,875,226.74                  38.85        8.656            357            81.20            87.88          625        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                         132           27,986,318.28                   7.61        8.648            358            81.63            85.77          622        40.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.02        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               3              338,543.96                   0.09        9.519            354            78.43            78.43          595        45.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            43           10,444,570.51                   2.84        8.587            355            80.57            82.83          621        42.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         27            6,813,318.48                   1.85        8.692            356            82.80            87.49          639        43.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                          119           26,010,275.94                   7.07        8.532            357            81.92            87.02          629        40.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          20            3,525,406.84                   0.96        8.301            358            79.62            81.95          620        40.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             2              429,516.66                   0.12        7.153            355            79.30            79.30          628        38.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          2              439,525.02                   0.12        8.054            356            79.63            79.63          627        38.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           15            3,507,961.77                   0.95        8.148            357            80.74            88.42          626        36.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           1              304,956.87                   0.08        9.500            358            77.22            77.22          565        17.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      3             $680,478.92                  0.19%       8.958%            356           85.33%           85.33%          638       47.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     28            4,282,211.08                   1.16        9.184            347            85.11            87.86          627        42.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      2              282,292.42                   0.08        9.280            358            85.27            85.27          603        46.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     81           16,613,801.74                   4.52        8.360            356            80.53            87.66          635        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    256           77,864,792.39                  21.17        8.271            355            79.11            86.69          630        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     18            3,241,326.54                   0.88        8.690            357            81.12            90.93          636        42.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     22            4,756,488.73                   1.29        8.848            355            78.15            83.44          610        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      2              513,800.74                   0.14        7.697            357            65.51            65.51          614        44.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      4              863,995.11                   0.23        9.014            357            90.03            90.03          633        38.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    301           59,341,377.39                  16.14        8.693            355            79.15            83.56          617        40.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     54            9,408,311.27                   2.56        8.905            356            82.35            88.00          630        43.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                     11            3,171,614.69                   0.86        7.838            354            74.81            82.35          626        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      5              590,445.82                   0.16       10.160            357            83.57            83.57          611        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      2              243,139.54                   0.07        9.624            357            85.27            94.66          623        34.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     80           15,944,413.43                   4.34        9.020            355            83.05            88.00          629        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     24            3,081,996.45                   0.84        9.086            357            85.39            89.70          632        36.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      5              558,436.00                   0.15        9.408            357            83.39            84.02          631        34.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     19            2,371,972.91                   0.64        9.117            357            83.34            87.91          636        38.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     29            3,713,814.36                   1.01        9.355            351            82.98            85.74          621        38.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     17            4,883,384.35                   1.33        9.053            356            77.29            83.08          613        43.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     42           11,817,964.37                   3.21        8.766            349            78.14            80.87          613        38.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      9              982,742.24                   0.27        8.974            357            73.30            80.12          624        35.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     59            9,407,978.24                   2.56        9.051            357            82.11            91.13          634        39.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     53           10,597,311.52                   2.88        8.968            350            82.83            88.18          632        41.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     21            2,479,423.45                   0.67        9.608            355            85.54            90.88          624        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     20            2,302,889.32                   0.63        9.362            353            80.48            83.95          607        39.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      5              849,470.79                   0.23        8.422            357            59.10            59.10          599        25.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     35            4,761,237.88                   1.29        9.484            357            83.83            91.28          625        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      1              144,966.42                   0.04        9.125            357           100.00           100.00          655        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      3              411,862.97                   0.11        9.155            358            87.65            94.04          622        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      9            1,516,411.88                   0.41        8.949            350            82.39            89.62          620        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     56           16,356,981.29                   4.45        8.941            356            82.31            85.14          623        41.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     13            2,256,676.50                   0.61        9.125            357            84.41            85.39          615        36.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     19            4,382,585.45                   1.19        8.843            355            80.70            86.13          623        37.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     78           22,414,679.18                   6.09        8.534            347            81.67            88.23          638        43.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     30            4,168,254.59                   1.13        9.218            356            81.59            90.86          623        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     12            1,650,576.01                   0.45        9.171            358            87.20            91.23          628        35.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     14            3,399,837.87                   0.92        8.777            357            78.87            90.79          627        42.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     40            7,212,196.58                   1.96        9.058            357            82.04            84.94          625        40.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      9            2,234,020.81                   0.61        8.649            356            82.56            86.57          623        44.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     17            2,344,167.69                   0.64        9.682            354            84.62            86.88          622        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      1              103,280.12                   0.03        9.190            356            90.00            90.00          636        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     23            2,550,260.88                   0.69        9.517            357            84.12            87.27          623        37.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    119           16,632,355.89                   4.52        9.263            353            82.42            89.97          622        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     22            3,609,347.78                   0.98        8.811            356            80.08            82.66          617        39.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     34            6,959,111.91                   1.89        8.578            354            81.55            84.85          621        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     28            4,996,639.28                   1.36        8.837            355            83.61            88.96          624        41.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     51            7,816,479.99                   2.13        9.156            357            87.77            92.32          633        42.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      5              992,106.30                   0.27        9.036            357            77.43            79.89          626        41.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 49





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    82          $14,071,521.40                  3.83%       9.116%            351           78.57%           78.60%          646       38.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,646          340,452,706.15                  92.57        8.703            354            80.64            86.74          624        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            63           13,235,683.53                   3.60        9.380            355            88.91            89.16          635        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,333         $264,903,843.49                 72.03%       8.707%            354           80.60%           85.84%          624       40.61%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          209           48,414,957.14                  13.16        8.852            355            82.03            88.82          625        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            93           24,316,129.20                   6.61        8.760            349            80.60            87.05          638        42.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                 101           18,470,064.18                   5.02        8.765            356            81.15            88.24          638        42.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           27            6,061,065.81                   1.65        9.222            357            82.45            91.26          613        43.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     18            3,044,734.71                   0.83        8.631            357            76.59            78.21          616        37.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    5            1,513,481.37                   0.41        9.408            356            89.08            92.78          618        37.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     3              760,376.33                   0.21        8.974            357            85.34            97.59          657        42.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            2              275,258.85                   0.07        8.686            357            76.32            88.54          629        39.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              871         $187,983,674.90                 51.12%       8.675%            355           78.50%           79.93%          612       40.80%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              766          153,834,780.35                  41.83        8.873            353            84.11            95.22          642        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             152           25,751,750.58                   7.00        8.478            352            78.64            82.77          627        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  2              189,705.25                   0.05        7.789            356            68.41            68.41          646        40.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     535         $110,800,961.05                 30.13%       9.068%            353           81.38%           86.10%          626       41.35%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                    101           24,949,383.24                   6.78        8.829            353            80.42            86.24          624        42.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    781          164,268,545.86                  44.67        8.630            356            81.26            87.96          624        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      2              391,130.56                   0.11        8.597            356            88.23            88.23          665        37.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    368           66,910,004.64                  18.19        8.460            354            79.12            83.81          629        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      4              439,885.73                   0.12        7.931            357            77.54            77.54          617        29.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,694         $361,395,665.65                 98.27%       8.692%            356           80.52%           86.28%          625       40.96%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                      97            6,364,245.43                   1.73       11.666            276            99.79            99.79          659        43.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               1             $383,755.71                  0.10%       9.050%            357           78.69%           78.69%          500       36.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              27            4,556,529.14                   1.24        9.460            349            63.81            64.52          514        39.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              61           11,529,560.17                   3.14        9.371            354            67.35            67.54          540        39.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             112           22,856,949.70                   6.22        9.096            355            74.40            74.94          564        40.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             260           53,536,591.44                  14.56        8.909            355            81.33            81.73          588        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             419           86,717,798.12                  23.58        8.965            355            81.52            84.85          613        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             408           81,973,445.72                  22.29        8.615            355            81.87            89.54          639        41.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             333           66,137,528.01                  17.98        8.471            352            82.95            93.42          663        41.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             164           38,780,616.56                  10.55        8.297            351            82.82            93.44          686        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.09        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               5              967,486.08                   0.26        8.082            356            82.19            96.38          758        35.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 765
Weighted Average: 626





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           91          $13,574,163.27                  3.69%       8.558%            352           76.45%           82.86%          629       13.49%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          73           10,743,533.67                   2.92        8.671            357            76.78            79.98          618        22.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         111           22,455,366.23                   6.11        8.688            353            77.43            82.75          625        27.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         163           30,041,470.47                   8.17        8.719            356            79.06            82.50          616        32.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         232           49,959,850.36                  13.58        8.647            355            79.94            84.32          623        37.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         380           77,054,150.17                  20.95        8.771            353            81.68            87.12          625        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         577          125,450,291.11                  34.11        8.788            354            82.35            89.33          630        47.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         164           38,481,085.80                  10.46        8.807            355            81.61            87.40          624        50.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,791         $367,759,911.08                100.00%       8.743%            354           80.85%           86.52%          626       41.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 2.00
Maximum: 53.00
Weighted Average: 41.01

Carrington Mortgage Loan Trust, Series 2007-RFC1
Investor Properties

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 173
Aggregate Principal Balance ($): 25,643,953
Weighted Average Current Mortgage Rate (%): 8.923
Weighted Average Margin (%): 6.444
Weighted Average Maximum Rate (%): 15.097
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 355
Weighted Average Stated Remaining Term (months): 352
Weighted Average Combined Original LTV (%): 80.10
% First Liens: 100.00
% Owner Occupied: 0.00
% Purchase: 31.45
% Full Documentation: 33.99
Non-Zero Weighted Average FICO Score: 635





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                5             $685,411.53                  2.67%       8.645%            177           75.67%           75.67%          668       33.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                                81           11,539,451.23                  45.00        8.982            356            81.92            82.38          623        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                               37            4,112,422.28                  16.04        9.152            357            74.68            74.68          625        34.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                19            3,323,174.61                  12.96        9.055            356            79.15            79.15          649        38.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                          21            4,468,362.67                  17.42        8.659            356            79.23            79.53          653        38.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                           4              600,426.38                   2.34        8.887            356            87.54            87.54          653        35.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           2              279,726.49                   1.09        7.753            357            73.00            73.00          635        37.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                             1              242,198.59                   0.94        7.950            356            90.00            90.00          744        10.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             1               86,315.46                   0.34        8.500            354            90.95            90.95          688        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           1              139,963.73                   0.55        9.000            357            61.19            61.19          571        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         1              166,500.00                   0.65        8.490            357            90.00            90.00          636        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $194,597.61                  0.76%       5.825%            358           68.42%           68.42%          671       51.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           1              306,514.49                   1.20        6.500            355            75.00            75.00          634        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           1              195,771.49                   0.76        6.950            357            70.00            70.00          630        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                           1              156,482.87                   0.61        7.500            356            55.17            55.17          684        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          23            3,292,137.69                  12.84        7.904            352            76.37            76.37          657        33.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          34            6,370,740.81                  24.84        8.292            347            79.17            79.39          649        36.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          35            5,462,360.62                  21.30        8.775            350            80.59            81.49          629        38.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          21            2,778,457.40                  10.83        9.343            356            84.71            84.71          626        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         25            3,616,085.45                  14.10        9.812            352            82.02            82.02          627        38.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        12            1,452,867.05                   5.67       10.237            356            86.94            86.94          642        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        14            1,357,862.91                   5.30       10.758            356            81.37            81.37          592        39.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2              118,041.84                   0.46       11.404            356            87.63            87.63          588        43.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              104,902.19                   0.41       11.675            357            42.00            42.00          521        29.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              237,130.55                   0.92       12.225            357            39.70            41.22          573        34.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.825%
Maximum: 12.225%
Weighted Average: 8.923%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                        4             $199,791.33                  0.78%      10.062%            358           72.53%           72.53%          566       21.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 67            5,217,460.36                  20.35        9.369            344            78.00            78.07          622        38.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                42            5,151,569.29                  20.09        8.928            356            75.86            76.12          618        40.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                22            3,791,349.76                  14.78        8.548            357            74.38            74.38          643        36.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                16            3,563,986.30                  13.90        8.933            356            85.83            85.83          644        38.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                 6            1,643,776.23                   6.41        9.054            356            83.49            85.02          627        42.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                 8            2,583,331.23                  10.07        8.219            334            81.20            81.20          666        35.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                 3            1,112,000.01                   4.34        9.394            356            88.36            88.36          642        33.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 4            1,861,248.32                   7.26        9.055            355            86.28            87.57          657        42.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 1              519,440.14                   2.03        8.250            356            80.00            80.00          639        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $49,939.44
Maximum: $519,440.14
Weighted Average: $148,230.94





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               5             $685,411.53                  2.67%       8.645%            177           75.67%           75.67%          668       33.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             168           24,958,541.44                  97.33        8.931            356            79.96            80.23          634        38.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 355





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               5             $685,411.53                  2.67%       8.645%            177           75.67%           75.67%          668       33.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             168           24,958,541.44                  97.33        8.931            356            79.96            80.23          634        38.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 352





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1             $164,960.41                  0.64%      12.225%            357           19.88%           19.88%          547       30.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           1               74,856.88                   0.29       10.770            355            30.00            30.00          535        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           2              278,100.17                   1.08        8.605            357            33.41            33.41          606        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           1              129,811.16                   0.51        9.625            357            37.14            37.14          553        53.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           3              393,903.66                   1.54        9.015            355            42.02            42.02          587        40.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           2              193,110.35                   0.75        8.037            357            47.98            47.98          627        18.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           3              242,793.43                   0.95        8.485            357            52.26            52.26          647        38.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           5              483,913.77                   1.89        8.562            357            58.19            58.19          610        32.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                           8              816,215.06                   3.18        8.687            356            63.15            63.15          612        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                           9            1,307,163.09                   5.10        7.616            300            68.63            68.63          666        40.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          19            2,703,339.05                  10.54        8.932            356            74.21            74.21          600        39.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          35            5,607,028.98                  21.86        8.703            354            79.83            79.83          637        36.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          34            5,103,027.86                  19.90        9.082            353            84.77            84.77          639        36.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          37            5,875,566.95                  22.91        9.136            356            89.89            89.95          650        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          11            1,883,861.51                   7.35        9.414            347            93.54            94.81          652        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                          2              386,300.64                   1.51        8.570            356            90.00           100.00          644        37.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 19.88%
Maximum: 100.00%
Weighted Average: 80.10%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1              194,597.61                   0.76        5.825            358            68.42            68.42          671        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1              113,381.18                   0.44        8.250            357            32.00            32.00          612        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           2              320,552.56                   1.25        7.901            355            61.65            61.65          627        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           2              153,423.15                   0.60        7.908            357            70.32            70.32          578        34.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           9            1,359,903.01                   5.30        7.958            357            76.45            76.45          616        36.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          14            1,712,247.30                   6.68        8.483            357            82.31            82.31          639        34.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          22            3,659,923.00                  14.27        8.665            357            82.93            83.30          652        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          34            4,648,147.10                  18.13        8.957            356            79.30            79.84          626        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          11            1,247,019.09                   4.86        9.054            356            77.61            77.61          605        36.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                           7            1,848,695.81                   7.21        8.761            356            75.14            75.14          641        37.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          16            3,855,691.30                  15.04        9.347            356            88.69            89.31          655        39.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           3              670,548.93                   2.61        9.887            355            84.99            84.99          606        44.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           1              134,805.67                   0.53       10.150            355            84.97            84.97          633        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           2              159,372.18                   0.62       10.435            355            87.34            87.34          599        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          3              377,298.94                   1.47       11.128            355            76.50            77.46          583        45.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.24       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 10.225%
Non-Zero Weighted Average: 6.444%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1              194,597.61                   0.76        5.825            358            68.42            68.42          671        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1              113,381.18                   0.44        8.250            357            32.00            32.00          612        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              154,349.37                   0.60        7.875            354            41.89            41.89          563        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           2              153,423.15                   0.60        7.908            357            70.32            70.32          578        34.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           6              781,306.26                   3.05        8.152            357            76.07            76.07          618        34.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                           8              808,782.07                   3.15        8.730            357            81.44            81.44          622        39.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           5            1,023,257.09                   3.99        8.999            357            81.72            81.72          632        37.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           3              565,849.57                   2.21        8.000            356            75.93            75.93          623        45.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           4              402,130.51                   1.57        7.858            357            76.18            76.18          616        36.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                           1              156,482.87                   0.61        7.500            356            55.17            55.17          684        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                           8            1,289,633.53                   5.03        7.923            356            79.42            79.42          669        37.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          23            4,824,421.82                  18.81        8.267            356            82.87            83.15          652        37.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          19            3,266,959.77                  12.74        8.749            356            81.10            82.60          623        41.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          12            1,853,495.18                   7.23        9.386            356            86.03            86.03          632        44.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         14            2,562,048.06                   9.99        9.806            356            84.39            84.39          637        37.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         7              928,288.35                   3.62       10.231            356            87.79            87.79          644        42.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        10            1,084,026.33                   4.23       10.763            356            82.58            82.58          605        39.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2              118,041.84                   0.46       11.404            356            87.63            87.63          588        43.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              237,130.55                   0.92       12.225            357            39.70            41.22          573        34.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 12.225%
Non-Zero Weighted Average: 8.296%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              194,597.61                   0.76        5.825            358            68.42            68.42          671        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         1              195,771.49                   0.76        6.950            357            70.00            70.00          630        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         3              629,497.36                   2.45        7.275            356            74.04            74.04          647        43.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        13            1,866,486.27                   7.28        7.922            356            75.59            75.59          645        34.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        24            4,786,630.66                  18.67        8.263            356            80.02            80.02          649        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        24            4,010,159.12                  15.64        8.750            356            82.87            83.47          627        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        14            2,327,601.70                   9.08        9.126            356            85.66            86.24          629        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        18            2,746,312.34                  10.71        9.495            356            80.43            81.34          641        36.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                         8              851,589.46                   3.32        9.690            356            87.53            87.53          644        42.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        11            1,739,938.86                   6.78       10.254            356            82.66            82.66          606        41.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         6              686,885.58                   2.68       10.448            356            87.59            87.59          626        44.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         4              245,004.11                   0.96       10.706            357            84.41            84.41          587        38.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         1               72,170.14                   0.28       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.64       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.825%
Maximum: 19.225%
Non-Zero Weighted Average: 15.097%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   3              311,120.94                   1.21        9.220            356            70.58            70.58          614        42.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 126           20,206,484.17                  78.80        8.895            356            81.01            81.34          635        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.492%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 101           16,703,445.24                  65.14        8.820            356            80.94            81.11          639        39.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  28            3,814,159.87                  14.87        9.249            356            80.47            81.49          618        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.093%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             44           $5,126,347.86                 19.99%       9.016%            333           75.81%           75.81%          638       33.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                               3              396,541.47                   1.55        8.634            354            65.45            65.45          634        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            15            3,536,690.50                  13.79        8.921            355            84.99            85.67          622        43.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         21            3,228,129.17                  12.59        8.827            356            81.41            82.30          648        39.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                           60            8,488,492.98                  33.10        8.941            357            79.71            79.87          627        38.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                           4              497,923.51                   1.94        8.501            358            84.36            84.36          652        44.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               1               81,781.43                   0.32        8.650            354            80.29            80.29          623        25.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            10            1,628,242.63                   6.35        9.378            355            79.34            79.34          639        37.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          4              677,561.40                   2.64        9.282            356            85.65            85.65          654        44.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                            5            1,171,634.40                   4.57        9.063            357            82.32            82.32          668        34.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           3              364,381.13                   1.42        6.974            358            69.57            69.57          639        42.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            3              446,226.49                   1.74        8.028            357            79.34            79.34          636        39.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                      3             $253,063.16                  0.99%       9.688%            356           77.71%           77.71%          586       50.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                      6              725,528.36                   2.83        8.424            357            75.01            75.01          640        32.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                      9            2,102,617.84                   8.20        8.756            356            69.35            69.35          646        38.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                      3              670,464.53                   2.61        8.890            357            83.23            83.23          641        44.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      3              384,146.22                   1.50        8.094            357            56.43            56.43          640        36.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     29            4,779,750.73                  18.64        8.712            353            81.83            82.62          627        34.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                      5              618,177.01                   2.41        9.972            356            80.45            80.45          591        46.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      1              128,915.50                   0.50        9.875            357            90.00            90.00          608        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     11            1,584,478.00                   6.18        8.600            356            77.44            79.03          627        41.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                      6              341,990.64                   1.33        9.578            358            81.36            81.36          609        28.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      3              454,237.81                   1.77        8.558            356            90.00            90.00          622        44.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      4              900,690.36                   3.51        8.792            355            79.61            79.61          638        36.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                      4              710,766.26                   2.77        9.441            357            77.25            77.25          621        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      1              109,548.77                   0.43        7.990            354            62.86            62.86          664        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                      9              663,615.48                   2.59        9.511            356            79.30            79.84          622        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                      3              848,132.24                   3.31        8.243            287            79.74            79.74          681        34.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      3              306,809.36                   1.20        9.453            356            78.51            78.51          591        43.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      2              150,443.71                   0.59       10.097            357            77.38            77.38          645        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                      2              123,736.26                   0.48       10.235            355            72.54            72.54          639        36.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                      6            1,955,116.61                   7.62        9.436            356            87.23            87.23          662        43.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      1               56,619.70                   0.22        7.750            358            79.97            79.97          623        28.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      2              449,655.07                   1.75        8.945            356            90.00            90.00          664        27.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                      5            1,254,180.89                   4.89        8.609            356            87.40            87.40          662        37.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      8              710,006.56                   2.77        9.606            356            87.22            87.22          627        43.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      1              152,239.71                   0.59        9.200            358            80.00            80.00          605        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      1               86,315.46                   0.34        8.500            354            90.95            90.95          688        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                      5              580,454.16                   2.26        8.393            332            77.82            77.82          649        38.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      1              237,409.96                   0.93        8.785            355            79.37            79.37          605        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      4              277,638.00                   1.08       10.143            357            82.58            82.58          616        40.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      4              389,808.11                   1.52        9.891            357            68.57            68.57          586        31.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                      7              579,522.86                   2.26        9.270            298            85.90            85.90          620        40.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                      9            1,392,081.36                   5.43        8.864            356            77.43            77.43          626        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1              108,043.26                   0.42        9.750            355            84.94            84.94          591        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                      5              912,382.01                   3.56        8.444            356            79.65            79.65          680        33.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                      6              645,367.01                   2.52        8.777            357            73.81            73.81          611        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 35





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                   173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              111          $15,320,302.56                 59.74%       8.975%            352           80.22%           80.48%          632       37.79%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            37            7,271,510.33                  28.36        8.811            348            80.45            80.80          641        39.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  13            1,553,569.30                   6.06        9.273            357            79.73            79.73          647        38.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                            9            1,199,076.17                   4.68        8.398            357            76.74            76.74          631        37.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      2              206,622.29                   0.81        9.025            356            58.84            58.84          668        43.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            1               92,872.32                   0.36        9.880            357            60.00            60.00          527        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              111          $16,469,161.33                 64.22%       8.907%            349           76.46%           76.46%          626       38.70%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                               51            8,065,739.90                  31.45        9.031            356            87.56            88.38          654        37.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              11            1,109,051.74                   4.32        8.390            357            73.98            73.98          634        36.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               18           $2,716,941.13                 10.59%       8.891%            351           85.11%           86.49%          626       35.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                     72            8,715,700.89                  33.99        8.614            353            80.26            80.55          622        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      1              139,789.55                   0.55        9.450            357            80.00            80.00          579        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                   82           14,071,521.40                  54.87        9.116            351            78.57            78.60          646        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                      57           $8,755,650.94                 34.14%       9.194%            356           81.22%           81.51%          641       40.14%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       1              230,271.92                   0.90       10.900            355            88.96            88.96          583        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                      6              803,861.95                   3.13        9.744            356            78.04            78.04          625        38.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                     64            9,846,014.64                  38.40        8.747            356            80.16            80.54          629        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     43            5,774,874.74                  22.52        8.581            335            76.95            77.01          644        35.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      2              233,278.78                   0.91        9.901            357            84.01            84.01          570        32.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 28





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               3             $301,663.41                  1.18%      11.012%            357           64.58%           64.58%          509       41.83%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                               5              453,053.41                   1.77       11.067            357            43.53            43.53          540        36.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              15            1,766,763.43                   6.89        9.274            356            69.51            69.51          564        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              23            2,667,755.15                  10.40        9.395            350            81.53            82.43          589        41.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                              36            5,117,647.15                  19.96        8.958            356            79.65            79.65          611        38.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                              36            5,664,259.16                  22.09        8.529            351            80.76            81.50          638        38.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              29            4,482,695.84                  17.48        8.820            356            82.73            82.73          664        38.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              23            4,666,758.48                  18.20        8.805            340            82.66            82.66          690        36.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               1              242,198.59                   0.94        7.950            356            90.00            90.00          744        10.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               2              281,158.35                   1.10        8.300            355            87.53            87.53          759        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 502
Maximum: 762
Weighted Average: 635





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           15           $1,930,463.86                  7.53%       8.599%            356           79.18%           79.88%          657       11.80%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                           8              910,376.79                   3.55        8.415            357            81.45            81.45          648        22.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          17            2,745,065.98                  10.70        9.090            329            80.77            80.77          649        27.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          20            2,348,059.84                   9.16        9.113            356            70.76            70.76          616        31.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          25            4,606,631.43                  17.96        8.900            353            80.38            80.38          641        37.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                          31            4,900,892.20                  19.11        8.929            353            80.50            80.50          638        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                          43            6,191,307.78                  24.14        9.149            356            83.15            83.60          626        47.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          14            2,011,155.09                   7.84        8.358            349            76.11            77.36          621        50.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                173          $25,643,952.97                100.00%       8.923%            352           79.85%           80.10%          635       38.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.00
Maximum: 54.00
Weighted Average: 38.34

Carrington Mortgage Loan Trust, Series 2007-RFC1
LTV greater than 80

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 2,125
Aggregate Principal Balance ($): 364,611,365
Weighted Average Current Mortgage Rate (%): 8.944
Weighted Average Margin (%): 6.377
Weighted Average Maximum Rate (%): 15.076
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 357
Weighted Average Stated Remaining Term (months): 354
Weighted Average Combined Original LTV (%): 90.48
% First Liens: 96.88
% Owner Occupied: 91.97
% Purchase: 30.02
% Full Documentation: 51.88
Non-Zero Weighted Average FICO Score: 608





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               11             $801,772.91                  0.22%       9.520%            176           88.51%           88.84%          582       36.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                1               76,090.53                   0.02        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25 Fixed                                                                1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               763          127,856,764.46                  35.07        9.111            357            90.27            90.43          600        40.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         1              104,550.00                   0.03        8.000            357            83.64            83.64          607        28.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              294,500.00                   0.08        9.975            358            95.00            95.00          631        23.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         82           21,277,810.28                   5.84        8.116            357            90.58            90.72          632        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          4            1,212,962.34                   0.33        8.608            355            91.56            92.25          604        33.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              526           61,938,141.98                  16.99        9.224            357            90.20            90.36          613        40.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         5            1,227,896.25                   0.34        8.335            356            90.78            90.78          642        39.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            82            4,527,402.02                   1.24       11.934            177            99.60            99.60          647        44.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               181           31,844,503.71                   8.73        8.988            356            90.89            90.95          605        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         20            4,660,649.98                   1.28        8.393            357            93.80            93.80          622        44.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         271           69,597,588.93                  19.09        8.736            356            89.63            90.07          604        40.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          72           17,697,129.46                   4.85        8.637            356            90.11            90.21          616        42.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                          11            2,100,196.31                   0.58        7.831            357            88.81            88.81          600        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            40            7,935,244.05                   2.18        8.572            357            89.29            89.29          624        39.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           7            1,372,223.70                   0.38        8.787            356            89.43            89.43          592        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             6              554,983.72                   0.15        8.759            354            90.91            90.91          611        37.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          13            2,957,395.58                   0.81        8.431            357            89.47            89.47          660        44.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           5            1,205,265.36                   0.33        8.441            357            88.89            88.89          638        45.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           5              633,745.72                   0.17        8.116            357            86.44            86.44          576        39.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             9            2,226,209.13                   0.61        7.580            357            85.97            85.97          634        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 2              288,569.91                   0.08        8.025            357            86.40            86.40          548        45.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         2              499,000.00                   0.14        8.797            357            93.33            93.33          639        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          4            1,615,774.99                   0.44        8.215            357            89.94            89.94          610        47.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           8           $2,436,276.33                  0.67%       6.243%            357           86.91%           86.91%          640       45.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          29            8,864,920.56                   2.43        6.843            356            86.39            86.39          638        39.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          70           18,037,384.39                   4.95        7.334            357            87.50            87.82          627        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         209           46,471,184.60                  12.75        7.837            356            88.50            88.54          626        40.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         282           56,021,545.02                  15.36        8.324            357            89.54            89.68          612        41.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         425           80,190,755.24                  21.99        8.811            356            90.25            90.56          606        40.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         312           54,880,031.63                  15.05        9.304            356            90.76            91.11          601        41.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        351           51,550,973.86                  14.14        9.805            356            90.93            90.96          590        39.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       149           21,636,375.66                   5.93       10.276            356            92.05            92.32          598        41.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                       100           12,297,397.44                   3.37       10.753            353            93.03            93.18          598        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        49            4,194,663.20                   1.15       11.303            314            95.64            95.64          620        43.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        54            3,783,790.76                   1.04       11.746            308            97.79            97.86          625        44.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        45            2,414,583.02                   0.66       12.298            267            99.47            99.62          640        43.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        26            1,359,972.19                   0.37       12.812            274            99.60            99.60          624        46.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8              236,498.96                   0.06       13.322            237           100.00           100.00          613        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   0.06       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.01       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 6.125%
Maximum: 14.375%
Weighted Average: 8.944%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      140           $4,487,387.81                  1.23%      11.499%            293           98.49%           98.49%          625       41.63%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                452           34,817,674.78                   9.55        9.809            341            91.07            91.42          604        38.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               535           66,794,380.24                  18.32        9.194            355            90.27            90.42          602        40.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               383           66,531,824.61                  18.25        8.932            356            90.39            90.58          604        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               234           52,185,308.89                  14.31        8.703            357            89.69            89.77          609        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               130           35,684,183.07                   9.79        8.827            357            90.13            90.53          611        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                84           27,066,836.99                   7.42        8.556            357            90.00            90.09          619        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                62           23,209,689.48                   6.37        8.624            357            90.18            90.43          614        42.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                44           18,691,130.77                   5.13        8.467            356            89.30            89.42          611        40.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                23           11,022,261.50                   3.02        8.298            356            89.31            89.79          618        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                11            5,794,409.24                   1.59        8.193            356            88.61            88.61          617        40.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 9            5,176,409.41                   1.42        8.012            356            90.91            90.91          627        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 4            2,518,182.73                   0.69        9.162            356            94.91            94.91          643        20.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 5            3,389,417.22                   0.93        8.702            356            87.95            87.95          581        36.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 3            2,171,609.31                   0.60        9.529            357            92.65            92.65          585        37.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              764,427.71                   0.21        8.500            357            94.44            94.44          678        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 3            2,495,984.07                   0.68        9.707            356            89.50            89.50          587        36.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

900,000.01 - 950,000.00                                                 2            1,810,247.18                   0.50        8.921            357            92.49            92.49          637        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,962.47
Maximum: $908,178.92
Weighted Average: $171,581.82





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              93           $5,329,174.93                  1.46%      11.571%            177           97.93%           97.98%          637       43.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               76,090.53                   0.02        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           2,030          359,101,105.86                  98.49        8.906            357            90.18            90.37          608        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 357





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              93           $5,329,174.93                  1.46%      11.571%            177           97.93%           97.98%          637       43.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               76,090.53                   0.02        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           2,030          359,101,105.86                  98.49        8.906            357            90.18            90.37          608        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 354





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         490          $88,823,003.83                 24.36%       8.522%            356           84.31%           84.31%          595       40.47%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         803          149,786,466.74                  41.08        8.804            356            89.48            89.53          603        40.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         496           93,970,515.57                  25.77        9.168            356            94.43            94.62          621        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        336           32,031,378.87                   8.79       10.116            333            98.47            99.89          634        42.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 80.24%
Maximum: 100.00%
Weighted Average: 90.48%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           2              170,425.75                   0.05        9.010            355            90.12            95.00          614        44.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              224,713.52                   0.06        8.275            358            90.00            90.00          611        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           9            1,890,894.62                   0.52        7.353            357            88.07            88.07          613        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          37            6,882,538.99                   1.89        7.734            357            87.26            87.26          622        38.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          71           14,585,508.35                   4.00        8.071            357            89.37            89.37          612        40.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         135           24,668,850.18                   6.77        8.527            357            89.98            90.06          610        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         243           50,717,056.28                  13.91        8.687            357            90.10            90.27          607        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         369           73,554,736.17                  20.17        8.791            357            90.06            90.34          606        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         221           43,395,468.10                  11.90        8.992            357            90.07            90.39          604        42.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         142           24,299,391.31                   6.66        9.318            356            91.27            91.33          591        38.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         182           39,208,726.32                  10.75        9.379            356            91.27            91.55          610        39.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          18            3,923,528.14                   1.08        9.795            356            90.29            90.29          592        44.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           7              863,161.77                   0.24       10.400            356            92.54            92.54          608        44.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           3              330,081.66                   0.09       10.339            356            91.30            91.30          614        32.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          3              441,551.29                   0.12       11.353            355            88.64            89.46          585        48.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.02       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 10.225%
Non-Zero Weighted Average: 6.377%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              224,713.52                   0.06        8.275            358            90.00            90.00          611        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           7            1,549,147.71                   0.42        7.387            357            87.17            87.17          608        42.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          31            5,293,528.84                   1.45        7.727            357            86.72            86.72          621        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          58           11,298,169.34                   3.10        8.165            357            89.04            89.04          606        41.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          77           13,893,752.51                   3.81        8.574            357            90.30            90.34          611        42.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          91           16,871,800.31                   4.63        9.010            357            90.61            90.71          598        42.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          93           16,661,479.22                   4.57        8.977            357            91.16            91.38          611        43.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          71           12,775,903.03                   3.50        8.412            357            90.39            90.39          613        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          83           18,767,650.22                   5.15        8.152            357            90.06            90.36          616        39.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         108           27,413,199.50                   7.52        7.939            356            89.43            89.51          622        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         129           28,543,280.74                   7.83        8.301            356            89.72            89.87          614        40.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         236           48,960,070.26                  13.43        8.823            356            90.33            90.75          606        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         157           31,546,821.41                   8.65        9.296            356            90.40            90.87          598        41.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        164           30,499,367.25                   8.36        9.814            356            90.55            90.60          588        38.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        72           12,193,186.99                   3.34       10.257            356            91.35            91.60          598        42.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        52            6,900,423.56                   1.89       10.757            356            92.02            92.08          590        42.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        11            1,427,759.14                   0.39       11.210            356            92.76            92.76          599        43.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              326,207.04                   0.09       11.628            354            93.14            93.14          569        49.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.02       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.500%
Maximum: 12.225%
Non-Zero Weighted Average: 7.996%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              259,413.97                   0.07        9.990            355            94.55            94.55          656        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         4            1,086,417.84                   0.30        6.823            357            86.86            86.86          600        48.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        10            3,221,819.10                   0.88        6.907            355            85.73            85.73          615        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        46           12,812,802.58                   3.51        7.181            357            87.21            87.21          621        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       129           31,515,618.54                   8.64        7.787            357            88.73            88.80          624        40.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       193           38,814,640.83                  10.65        8.237            357            89.77            89.93          613        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       290           59,517,327.83                  16.32        8.698            357            90.79            90.97          610        40.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       239           45,153,768.31                  12.38        9.087            357            90.44            90.83          603        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       264           45,991,415.60                  12.61        9.502            357            90.59            90.83          593        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                       139           25,589,780.09                   7.02        9.815            356            91.60            91.86          597        40.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        81           13,831,632.41                   3.79       10.191            356            91.22            91.35          586        40.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        24            3,747,380.23                   1.03       10.550            356            91.65            92.04          610        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        18            2,640,061.29                   0.72       10.847            357            91.51            91.67          586        46.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         5              770,552.11                   0.21       11.515            356            92.32            92.78          592        39.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         1              266,000.00                   0.07       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.990%
Maximum: 18.600%
Non-Zero Weighted Average: 15.076%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  15            2,393,467.31                   0.66        9.380            357            91.67            91.67          607        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,429          282,825,163.42                  77.57        8.855            357            90.21            90.42          606        40.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.496%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                               1,258          242,867,774.67                  66.61        8.891            357            90.30            90.45          606        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 185           42,061,253.24                  11.54        8.655            356            89.71            90.28          608        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              289,602.82                   0.08       11.250            356           100.00           100.00          685        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.075%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            681          $79,392,734.28                 21.77%       9.251%            344           90.52%           90.65%          617       40.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                1              116,067.99                   0.03        8.640            352            95.00            95.00          615        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               5              979,073.94                   0.27        9.501            353            90.93            90.93          597        32.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              25            5,595,446.39                   1.53        9.174            354            92.41            92.69          599        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           136           28,887,897.14                   7.92        8.756            355            89.21            89.51          601        41.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        182           34,749,806.45                   9.53        9.153            356            89.56            89.82          601        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          656          129,703,929.46                  35.57        8.814            357            90.26            90.51          607        40.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                         137           24,641,573.92                   6.76        8.966            358            90.47            90.60          608        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               6              897,794.87                   0.25        8.850            354            91.47            91.47          627        39.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            56           12,308,345.20                   3.38        8.749            355            89.00            89.06          603        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         56           12,772,681.13                   3.50        8.964            356            92.17            92.30          614        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                          125           23,810,456.51                   6.53        8.813            357            91.11            91.16          613        42.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          35            5,618,270.80                   1.54        8.617            358            90.60            90.60          605        39.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             2              291,023.80                   0.08        7.620            355            88.87            88.87          623        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          1              135,775.02                   0.04        8.790            356            90.00            90.00          561        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           19            4,212,621.98                   1.16        8.127            357            89.08            89.08          599        43.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           2              497,866.13                   0.14        7.883            358            90.00            90.00          619        49.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      7           $1,165,234.38                  0.32%       9.271%            356           91.13%           91.13%          612       43.96%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     78            9,381,921.67                   2.57        9.449            355            91.50            91.50          598        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     17            1,616,698.51                   0.44        9.843            351            90.01            90.01          587        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     76           13,853,538.28                   3.80        8.484            355            89.98            89.98          614        39.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    156           47,906,763.91                  13.14        8.435            352            90.36            90.53          617        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     27            5,007,286.73                   1.37        8.864            354            89.36            89.36          607        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     17            3,663,584.75                   1.00        8.619            354            90.98            90.98          603        41.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1              256,065.41                   0.07        8.875            357            95.00            95.00          610        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                     10            1,428,724.29                   0.39        9.222            353            93.85            93.85          608        35.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    214           41,645,153.43                  11.42        8.957            355            90.37            90.60          608        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     79           11,182,626.57                   3.07        9.441            353            91.64            92.00          599        40.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      6            1,941,977.13                   0.53        8.299            355            89.95            91.44          660        43.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     11              898,958.14                   0.25        9.923            356            92.62            92.62          610        36.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      8            1,161,425.76                   0.32        8.744            357            89.37            89.37          625        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     97           18,142,662.02                   4.98        9.165            355            90.00            90.51          610        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     65            7,425,724.45                   2.04        9.184            356            90.59            90.68          601        35.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      8              943,968.73                   0.26        9.671            357            94.60            94.97          616        36.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     27            3,542,449.36                   0.97        8.624            350            90.99            90.99          622        41.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     54            7,438,795.07                   2.04        9.513            354            90.67            90.67          590        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     22            5,635,440.22                   1.55        8.561            356            89.47            89.47          595        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     56           14,591,499.52                   4.00        8.521            355            88.64            88.85          611        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      7            1,033,025.29                   0.28        8.790            357            86.24            86.24          597        40.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     87           10,250,637.56                   2.81        9.184            356            90.49            90.82          607        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     60           10,377,618.00                   2.85        9.042            355            90.39            90.39          619        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     43            4,899,963.70                   1.34        9.404            351            91.99            92.41          603        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     35            3,634,368.31                   1.00        9.379            355            88.07            88.31          606        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      3              814,526.20                   0.22        8.274            357            84.88            84.88          627        39.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     61            9,284,607.78                   2.55        9.207            356            90.33            90.33          601        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      3              340,590.40                   0.09        8.938            357            97.12            97.12          627        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      8              835,388.51                   0.23        9.859            352            91.32            91.32          594        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      8            1,460,458.75                   0.40        8.999            344            90.83            92.28          604        47.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     48           13,729,670.21                   3.77        9.125            356            91.10            91.10          619        42.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     16            2,327,560.79                   0.64        9.209            355            90.70            90.70          622        37.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     12            2,387,485.46                   0.65        9.420            348            89.51            89.51          600        35.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     57           13,728,281.36                   3.77        8.853            344            90.07            90.10          624        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     64            7,262,146.15                   1.99        8.904            356            89.93            90.52          605        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     31            3,515,120.81                   0.96        9.054            355            89.28            89.53          606        38.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     17            3,052,462.23                   0.84        8.676            355            90.18            90.18          597        37.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     72           10,368,587.44                   2.84        8.944            354            89.65            89.65          603        41.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      7            1,953,699.15                   0.54        8.857            356            86.75            87.44          585        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     31            3,671,923.95                   1.01        9.781            355            90.47            90.47          595        38.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      3              326,551.44                   0.09        8.987            357            90.00            90.00          618        39.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     49            6,144,517.23                   1.69        9.140            356            90.21            91.11          599        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    128           14,190,597.25                   3.89        9.200            350            91.11            91.40          600        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     22            3,559,513.42                   0.98        8.765            354            89.53            89.53          616        43.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     51           10,131,750.49                   2.78        8.688            354            89.81            89.81          604        40.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      3              448,272.36                   0.12        8.876            356            83.81            83.81          576        35.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     48            9,413,677.17                   2.58        8.714            354            89.88            90.16          609        41.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                    105           15,375,014.86                   4.22        9.207            356            90.65            90.89          603        42.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      6              663,315.03                   0.18        9.284            357            86.51            86.51          572        40.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      4              599,535.38                   0.16        9.028            348            93.69            93.69          616        44.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 51





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    84          $13,248,756.96                  3.63%       9.138%            354           88.44%           88.94%          646       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,967          335,329,818.53                  91.97        8.914            354            90.27            90.45          606        40.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            74           16,032,789.52                   4.40        9.415            356            92.33            92.33          634        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,678         $278,835,609.50                 76.47%       8.929%            354           90.15%           90.35%          607       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          213           43,008,901.63                  11.80        8.928            355            90.82            90.93          608        40.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  93           16,158,108.28                   4.43        9.022            354            91.27            91.33          623        42.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            77           14,658,255.79                   4.02        9.112            352            89.30            89.55          615        43.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           23            4,797,652.07                   1.32        9.149            357            92.46            92.71          610        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     28            4,408,992.49                   1.21        8.642            356            90.18            90.18          610        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    6            1,472,404.82                   0.40        9.730            356            91.80            91.80          613        38.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            6            1,000,964.95                   0.27        9.283            356            91.98            95.34          603        43.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1              270,475.48                   0.07        9.375            358            95.00            95.00          661        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                            1,114         $211,699,071.58                 58.06%       8.753%            356           89.38%           89.46%          605       41.38%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              733          109,457,102.30                  30.02        9.412            350            92.67            93.12          615        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             276           43,244,522.07                  11.86        8.703            356            88.78            88.81          608        40.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  2              210,669.06                   0.06        8.265            358            81.16            81.16          595        44.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                              137          $27,658,696.61                  7.59%       8.807%            355           91.01%           91.28%          609       37.23%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                  1,224          189,148,206.22                  51.88        8.756            355            89.83            90.01          597        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     34            5,881,674.63                   1.61        8.630            355            90.01            90.01          581        43.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  730          141,922,787.55                  38.92        9.236            353            90.77            90.97          624        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     697         $111,846,218.70                 30.68%       9.278%            352           90.28%           90.42%          609       41.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       2              298,539.27                   0.08       10.608            355            89.20            89.20          580        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     89           20,419,620.70                   5.60        8.983            355            90.15            90.31          609        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    827          150,368,009.28                  41.24        8.830            355            90.40            90.66          605        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      3              559,671.51                   0.15        8.414            356            91.77            91.77          662        38.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    497           79,845,767.07                  21.90        8.688            355            90.15            90.26          613        41.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                     10            1,273,538.48                   0.35        8.477            357            89.30            90.00          600        37.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,909         $353,250,515.80                 96.88%       8.858%            356           89.98%           90.18%          607       40.67%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     216           11,360,849.21                   3.12       11.639            284            99.81            99.81          644        43.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              40           $6,607,228.23                  1.81%       9.226%            357           85.69%           85.78%          520       37.86%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             165           25,336,165.46                   6.95        9.397            356            87.36            87.45          541        40.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             260           44,039,423.00                  12.08        9.200            356            88.42            88.47          563        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             460           78,207,096.62                  21.45        9.077            355            90.43            90.71          588        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             513           91,691,947.21                  25.15        8.868            355            90.42            90.64          613        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             346           58,665,808.59                  16.09        8.757            354            91.38            91.61          637        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             229           38,100,658.21                  10.45        8.641            348            92.01            92.16          662        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             108           21,276,606.05                   5.84        8.719            350            91.86            92.03          687        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               2              411,786.64                   0.11        7.966            356            92.06            92.06          746        20.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              211,821.06                   0.06        8.300            355            90.00            90.00          762        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

776 - 800                                                               1               62,823.94                   0.02        7.850            356            90.00            90.00          777        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 501
Maximum: 777
Weighted Average: 608





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          153          $23,472,977.32                  6.44%       8.902%            355           89.90%           90.14%          609       11.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          60            8,021,973.41                   2.20        8.902            357            89.86            90.15          609        22.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         119           21,588,489.88                   5.92        8.907            355            89.79            89.86          605        27.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         201           33,179,887.91                   9.10        8.783            355            89.71            89.82          608        32.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         289           48,230,840.17                  13.23        8.922            354            89.83            89.95          612        37.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         451           76,980,995.57                  21.11        8.928            354            90.41            90.49          609        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         588          104,351,921.23                  28.62        9.029            353            90.45            90.79          610        47.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         264           48,784,279.52                  13.38        8.966            355            91.08            91.26          602        50.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,125         $364,611,365.01                100.00%       8.944%            354           90.29%           90.48%          608       40.75%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 40.75

Carrington Mortgage Loan Trust, Series 2007-RFC1
LTV greater than 85

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,617
Aggregate Principal Balance ($): 272,264,562
Weighted Average Current Mortgage Rate (%): 9.083
Weighted Average Margin (%): 6.435
Weighted Average Maximum Rate (%): 15.169
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 357
Weighted Average Stated Remaining Term (months): 353
Weighted Average Combined Original LTV (%): 92.45
% First Liens: 95.83
% Owner Occupied: 91.55
% Purchase: 36.49
% Full Documentation: 50.86
Non-Zero Weighted Average FICO Score: 613





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                7             $462,663.96                  0.17%       9.947%            176           91.38%           91.95%          590       34.03%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                1               76,090.53                   0.03        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25 Fixed                                                                1              104,993.69                   0.04        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               570           95,768,099.52                  35.17        9.198            357            92.26            92.42          604        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              294,500.00                   0.11        9.975            358            95.00            95.00          631        23.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         70           17,875,156.70                   6.57        8.253            357            91.79            91.84          631        39.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          3            1,129,832.39                   0.41        8.565            355            92.05            92.05          604        33.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              405           44,510,734.51                  16.35        9.504            357            92.61            92.70          617        40.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         5            1,227,896.25                   0.45        8.335            356            90.78            90.78          642        39.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            82            4,527,402.02                   1.66       11.934            177            99.60            99.60          647        44.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               139           24,747,595.03                   9.09        9.104            357            92.73            92.79          609        42.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         17            4,047,099.98                   1.49        8.479            357            95.19            95.19          621        43.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         193           50,337,816.78                  18.49        8.859            356            91.59            91.84          611        40.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          50           12,314,430.71                   4.52        8.652            356            92.65            92.65          625        42.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           9            1,878,527.41                   0.69        7.786            357            89.26            89.26          606        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            28            5,543,766.85                   2.04        8.779            356            91.33            91.33          627        37.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           6              837,543.26                   0.31        8.811            355            92.73            92.73          593        36.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             5              436,935.50                   0.16        8.728            355            92.51            92.51          628        38.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           8            2,186,820.42                   0.80        8.483            357            91.55            91.55          673        44.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           3              680,457.26                   0.25        8.691            357            92.86            92.86          655        49.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           2              255,908.75                   0.09        8.681            357            90.00            90.00          566        36.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             5              824,729.03                   0.30        8.437            356            91.02            91.02          608        37.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1               80,786.46                   0.03        9.375            357            90.00            90.00          555        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         2              499,000.00                   0.18        8.797            357            93.33            93.33          639        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          4            1,615,774.99                   0.59        8.215            357            89.94            89.94          610        47.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           4           $1,155,282.46                  0.42%       6.318%            357           89.64%           89.64%          673       39.52%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          12            3,607,288.12                   1.32        6.770            357            89.59            89.59          649        37.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          37           10,138,884.06                   3.72        7.320            357            90.22            90.22          634        39.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         129           29,752,945.53                  10.93        7.825            356            90.91            90.98          633        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         207           40,773,122.80                  14.98        8.335            356            91.55            91.66          615        41.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         311           60,799,520.25                  22.33        8.806            356            92.16            92.34          615        40.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         239           43,342,483.07                  15.92        9.312            357            92.43            92.73          605        42.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        278           41,048,190.53                  15.08        9.811            355            92.55            92.57          595        39.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       124           18,646,151.50                   6.85       10.277            356            93.24            93.31          605        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        91           11,212,333.75                   4.12       10.761            352            93.87            94.03          599        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        46            3,890,880.03                   1.43       11.314            311            96.47            96.47          626        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        53            3,723,583.72                   1.37       11.746            307            98.00            98.07          627        44.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        44            2,342,412.88                   0.86       12.300            264            99.91            99.91          640        42.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        26            1,359,972.19                   0.50       12.812            274            99.60            99.60          624        46.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8              236,498.96                   0.09       13.322            237           100.00           100.00          613        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   0.08       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.01       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 6.150%
Maximum: 14.375%
Weighted Average: 9.083%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      134           $4,189,417.50                  1.54%      11.608%            288           99.52%           99.52%          628       42.24%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                347           26,818,158.86                   9.85        9.933            338            93.07            93.34          611        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               401           50,357,047.82                  18.50        9.346            355            92.34            92.45          605        41.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               288           49,963,872.25                  18.35        8.985            356            92.35            92.45          611        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               170           38,086,919.03                  13.99        8.870            357            91.77            91.88          611        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                94           25,957,958.33                   9.53        8.947            357            92.34            92.69          616        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                61           19,634,685.11                   7.21        8.627            357            91.99            91.99          625        41.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                43           16,076,072.81                   5.90        8.765            357            92.66            92.66          619        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                33           13,961,759.19                   5.13        8.629            356            90.91            91.07          615        39.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                15            7,202,732.01                   2.65        8.364            356            91.94            92.27          625        39.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 7            3,653,931.14                   1.34        8.160            356            91.39            91.39          617        39.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 8            4,598,406.56                   1.69        8.249            356            91.65            91.65          630        38.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 4            2,518,182.73                   0.92        9.162            356            94.91            94.91          643        20.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 3            2,003,150.39                   0.74        9.445            355            90.00            90.00          574        36.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 3            2,171,609.31                   0.80        9.529            357            92.65            92.65          585        37.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              764,427.71                   0.28        8.500            357            94.44            94.44          678        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 3            2,495,984.07                   0.92        9.707            356            89.50            89.50          587        36.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

900,000.01 - 950,000.00                                                 2            1,810,247.18                   0.66        8.921            357            92.49            92.49          637        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,962.47
Maximum: $908,178.92
Weighted Average: $168,376.35





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              89           $4,990,065.98                  1.83%      11.750%            177           98.84%           98.89%          642       43.18%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               76,090.53                   0.03        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.04        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,526          267,093,411.80                  98.10        9.034            357            92.20            92.33          612        40.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 357





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              89           $4,990,065.98                  1.83%      11.750%            177           98.84%           98.89%          642       43.18%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               76,090.53                   0.03        7.650            237            90.00            90.00          646        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.04        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,526          267,093,411.80                  98.10        9.034            357            92.20            92.33          612        40.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 353





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         797         $148,348,556.03                 54.49%       8.804%            356           89.54%           89.54%          603       40.31%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         491           93,051,754.87                  34.18        9.167            356            94.53            94.62          621        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        329           30,864,251.10                  11.34       10.172            332            99.02            99.89          635        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 85.02%
Maximum: 100.00%
Weighted Average: 92.45%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               87,295.80                   0.03        8.830            355            95.00            95.00          622        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              224,713.52                   0.08        8.275            358            90.00            90.00          611        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           7            1,453,669.72                   0.53        7.309            357            90.02            90.02          608        41.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          22            4,178,256.63                   1.53        7.780            357            89.39            89.39          622        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          51            9,821,058.02                   3.61        8.102            357            91.73            91.73          618        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          93           17,672,326.09                   6.49        8.511            357            92.37            92.44          620        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         176           37,273,899.03                  13.69        8.788            357            92.19            92.29          609        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         275           54,401,877.13                  19.98        8.901            357            92.03            92.22          613        41.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         160           31,399,703.37                  11.53        9.084            357            92.22            92.35          612        42.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         113           20,156,405.75                   7.40        9.387            356            92.61            92.69          594        38.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         157           34,295,449.84                  12.60        9.376            356            92.21            92.51          613        39.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          12            2,328,064.09                   0.86        9.956            356            94.11            94.11          595        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           5              580,003.13                   0.21       10.605            356            96.23            96.23          613        47.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           2              245,248.11                   0.09       10.232            356            93.48            93.48          636        30.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          2              369,381.15                   0.14       11.182            355            89.35            89.35          575        49.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.02       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 10.225%
Non-Zero Weighted Average: 6.435%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              224,713.52                   0.08        8.275            358            90.00            90.00          611        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           5            1,111,922.81                   0.41        7.343            358            89.36            89.36          600        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          17            2,879,687.71                   1.06        7.769            357            89.14            89.14          620        43.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          40            6,924,615.51                   2.54        8.263            357            91.93            91.93          611        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          53            9,869,863.42                   3.63        8.568            357            92.91            92.91          621        42.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          63           12,040,076.49                   4.42        9.011            357            93.17            93.17          604        42.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          78           13,554,212.04                   4.98        9.158            357            92.72            93.00          611        42.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          55            9,168,270.71                   3.37        8.848            357            92.66            92.66          615        40.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          61           13,253,804.02                   4.87        8.442            357            92.46            92.46          622        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          75           19,871,359.37                   7.30        7.938            356            91.41            91.52          630        39.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          99           21,743,087.24                   7.99        8.307            356            91.37            91.43          615        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         183           38,318,252.87                  14.07        8.826            356            91.93            92.20          614        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         114           24,315,340.11                   8.93        9.305            356            92.15            92.58          602        41.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        121           23,512,822.87                   8.64        9.822            357            92.31            92.35          594        38.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        58           10,385,114.82                   3.81       10.250            356            92.52            92.63          605        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        45            5,936,279.12                   2.18       10.771            356            93.20            93.27          591        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         9            1,173,927.03                   0.43       11.232            356            94.44            94.44          610        43.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              266,000.00                   0.10       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.500%
Maximum: 11.600%
Non-Zero Weighted Average: 8.088%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              259,413.97                   0.10        9.990            355            94.55            94.55          656        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              489,577.68                   0.18        7.050            358            89.15            89.15          631        46.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         3              858,011.71                   0.32        6.895            356            88.94            88.94          627        34.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        24            6,998,812.48                   2.57        7.187            357            89.86            89.86          633        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        81           20,514,869.63                   7.53        7.785            357            91.02            91.12          630        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       145           28,808,514.71                  10.58        8.253            357            91.72            91.72          617        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       227           47,723,302.23                  17.53        8.693            357            92.44            92.56          617        40.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       176           33,738,236.73                  12.39        9.095            357            92.46            92.74          607        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       199           35,391,465.56                  13.00        9.541            357            92.34            92.49          598        39.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                       114           22,179,236.48                   8.15        9.812            356            92.69            92.94          602        40.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        67           11,182,870.32                   4.11       10.238            356            92.84            93.00          592        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        21            3,435,796.58                   1.26       10.544            356            92.25            92.25          613        43.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        14            2,202,648.16                   0.81       10.859            357            92.80            92.99          597        47.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              500,593.42                   0.18       11.596            355            96.27            96.27          606        38.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         1              266,000.00                   0.10       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.990%
Maximum: 18.600%
Non-Zero Weighted Average: 15.169%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  13            2,085,293.62                   0.77        9.316            357            92.68            92.68          611        44.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,065          212,464,056.04                  78.04        8.946            357            92.14            92.29          611        40.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.495%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 942          183,368,614.17                  67.35        8.987            357            92.22            92.35          610        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 135           30,891,132.67                  11.35        8.707            356            91.65            91.90          619        40.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              289,602.82                   0.11       11.250            356           100.00           100.00          685        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.073%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            539          $57,715,212.34                 21.20%       9.578%            341           92.95%           93.03%          621       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                1              116,067.99                   0.04        8.640            352            95.00            95.00          615        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               4              661,598.99                   0.24        9.794            353            93.77            93.77          602        33.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              24            5,408,787.55                   1.99        9.220            354            92.66            92.96          599        38.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            94           20,480,669.58                   7.52        8.920            355            91.03            91.38          604        41.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        131           24,872,306.97                   9.14        9.206            356            91.67            91.92          607        39.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          497           98,857,797.32                  36.31        8.896            357            92.09            92.22          612        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                         100           18,032,540.67                   6.62        9.120            358            92.84            92.89          611        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               4              658,952.20                   0.24        8.482            354            94.40            94.40          646        38.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            37            7,473,369.78                   2.74        9.021            355            91.83            91.94          610        42.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         45           10,863,265.26                   3.99        9.034            356            93.53            93.53          618        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           97           18,490,000.53                   6.79        8.862            357            93.06            93.11          617        43.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          26            4,303,995.21                   1.58        8.608            358            92.69            92.69          609        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             2              291,023.80                   0.11        7.620            355            88.87            88.87          623        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          1              135,775.02                   0.05        8.790            356            90.00            90.00          561        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           13            3,405,332.66                   1.25        8.203            357            90.15            90.15          607        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           2              497,866.13                   0.18        7.883            358            90.00            90.00          619        49.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      6           $1,023,696.14                  0.38%       9.322%            356           91.97%           91.97%          620       44.23%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     63            8,097,011.39                   2.97        9.468            355            92.61            92.61          601        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     14            1,325,947.32                   0.49        9.936            350            91.60            91.60          592        39.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     61           11,541,630.17                   4.24        8.520            355            91.10            91.10          619        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    120           35,745,741.38                  13.13        8.700            351            92.34            92.40          622        40.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     19            3,187,179.38                   1.17        9.215            352            92.25            92.25          609        39.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     13            2,848,878.72                   1.05        8.921            354            92.87            92.87          605        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1              256,065.41                   0.09        8.875            357            95.00            95.00          610        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                     10            1,428,724.29                   0.52        9.222            353            93.85            93.85          608        35.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    160           30,726,606.24                  11.29        9.073            355            92.48            92.72          613        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     66            9,444,557.43                   3.47        9.549            352            92.96            93.38          600        40.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      4            1,198,051.34                   0.44        8.709            353            93.87            93.87          659        43.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     10              787,625.73                   0.29        9.990            356            93.95            93.95          611        35.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      6              822,714.01                   0.30        8.819            357            91.67            91.67          639        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     65           12,647,529.24                   4.65        9.145            354            92.43            92.63          617        41.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     53            6,122,697.35                   2.25        9.251            356            91.98            91.98          600        37.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      8              943,968.73                   0.35        9.671            357            94.60            94.97          616        36.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     23            2,999,684.75                   1.10        8.658            349            92.26            92.26          626        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     44            6,306,316.81                   2.32        9.576            353            91.79            91.79          592        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     16            3,762,430.91                   1.38        8.396            356            91.82            91.82          611        39.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     34            8,528,503.55                   3.13        8.694            354            91.87            92.03          620        42.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      2              321,133.96                   0.12        7.978            357            90.77            90.77          622        46.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     63            7,835,929.03                   2.88        9.276            356            92.62            93.01          610        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     47            7,779,766.16                   2.86        9.133            354            92.26            92.26          617        41.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     37            4,197,738.46                   1.54        9.386            351            93.23            93.38          604        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     23            2,384,094.12                   0.88        9.515            354            90.90            91.27          612        42.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      1              158,083.95                   0.06        9.490            356            90.00            90.00          601        19.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     44            7,292,034.27                   2.68        9.280            356            92.02            92.02          607        41.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      3              340,590.40                   0.13        8.938            357            97.12            97.12          627        42.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      6              736,215.25                   0.27        9.924            351            92.18            92.18          603        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      7            1,221,876.05                   0.45        9.048            342            92.25            93.98          606        47.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     40           11,708,155.51                   4.30        9.154            356            92.23            92.23          621        42.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                     13            1,775,786.91                   0.65        9.530            354            92.63            92.63          623        34.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     10            2,022,017.00                   0.74        9.578            346            90.83            90.83          610        33.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     44            9,578,960.20                   3.52        9.181            338            92.36            92.40          634        41.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     53            6,106,759.01                   2.24        8.905            356            90.94            91.27          609        41.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     24            2,675,471.26                   0.98        9.182            354            90.70            91.03          615        37.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     14            2,461,508.00                   0.90        8.713            354            91.42            91.42          609        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     49            7,300,661.27                   2.68        9.049            357            91.96            91.96          609        42.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      3              765,968.03                   0.28        9.122            356            91.18            92.93          586        33.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     20            2,464,708.98                   0.91       10.039            354            93.77            93.77          598        39.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      3              326,551.44                   0.12        8.987            357            90.00            90.00          618        39.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     40            5,010,847.65                   1.84        9.220            356            91.50            91.68          601        42.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    106           10,710,030.05                   3.93        9.325            351            93.37            93.52          604        40.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     15            2,156,047.56                   0.79        9.143            352            93.08            93.08          628        45.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     35            6,945,126.22                   2.55        8.896            353            92.42            92.42          603        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     35            6,324,454.25                   2.32        8.823            354            92.44            92.44          612        42.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     78           11,231,184.04                   4.13        9.324            356            93.07            93.40          609        43.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      3              202,189.14                   0.07       10.087            355            90.00            90.00          583        36.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      3              485,113.54                   0.18        9.070            347            95.74            95.74          635        43.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 50





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    49           $8,073,558.96                  2.97%       9.146%            354           90.79%           91.57%          650       40.25%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,500          249,256,698.07                  91.55        9.058            353            92.33            92.45          610        40.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            68           14,934,304.97                   5.49        9.468            356            92.92            92.92          636        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,267         $207,922,147.93                 76.37%       9.064%            353           92.15%           92.29%          612       40.69%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          170           33,122,176.57                  12.17        9.100            354            92.79            92.82          612        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  75           12,606,348.81                   4.63        9.124            353            93.23            93.29          626        42.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            55            9,270,067.64                   3.40        9.336            350            91.90            92.22          617        44.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           18            4,032,930.00                   1.48        9.075            357            94.02            94.32          616        38.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     22            3,166,095.08                   1.16        8.794            355            92.37            92.37          609        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    5            1,154,929.87                   0.42        9.961            357            93.67            93.67          620        41.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            4              719,390.62                   0.26        9.649            356            95.81            95.81          581        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1              270,475.48                   0.10        9.375            358            95.00            95.00          661        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              757         $142,935,151.19                 52.50%       8.886%            356           91.78%           91.84%          611       41.62%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              672           99,344,039.48                  36.49        9.451            349            93.48            93.75          618        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             188           29,985,371.33                  11.01        8.805            356            91.03            91.03          609        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                              105          $21,238,047.50                  7.80%       8.997%            355           93.07%           93.41%          610       36.55%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    915          138,472,287.06                  50.86        8.879            354            91.88            91.99          602        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     26            4,338,422.87                   1.59        8.653            354            91.97            91.97          598        43.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  571          108,215,804.57                  39.75        9.379            352            92.75            92.86          629        41.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     522          $81,554,766.23                 29.95%       9.421%            350           92.52%           92.60%          615       41.69%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       2              298,539.27                   0.11       10.608            355            89.20            89.20          580        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     68           15,670,350.84                   5.76        9.175            355            91.94            92.11          616        38.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    634          112,249,795.78                  41.23        8.966            354            92.41            92.57          610        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      3              559,671.51                   0.21        8.414            356            91.77            91.77          662        38.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    379           60,825,619.05                  22.34        8.833            355            92.04            92.16          615        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      9            1,105,819.32                   0.41        8.407            357            90.04            90.84          611        38.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,401         $260,903,712.79                 95.83%       8.972%            356           91.99%           92.13%          612       40.70%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     216           11,360,849.21                   4.17       11.639            284            99.81            99.81          644        43.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               6           $1,612,369.42                  0.59%       9.250%            357           89.35%           89.35%          524       31.39%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              91           13,415,670.63                   4.93        9.557            357            89.77            89.89          542        38.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             179           29,970,918.55                  11.01        9.380            356            90.32            90.36          563        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             365           60,678,970.40                  22.29        9.252            354            92.19            92.42          588        42.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             401           69,537,565.64                  25.54        9.033            355            92.36            92.45          613        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             278           45,848,367.28                  16.84        8.940            354            93.45            93.62          637        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             203           33,008,609.22                  12.12        8.774            347            93.29            93.35          662        41.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              90           17,505,659.22                   6.43        8.808            349            93.50            93.63          687        39.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

726 - 750                                                               2              411,786.64                   0.15        7.966            356            92.06            92.06          746        20.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              211,821.06                   0.08        8.300            355            90.00            90.00          762        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

776 - 800                                                               1               62,823.94                   0.02        7.850            356            90.00            90.00          777        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 523
Maximum: 777
Weighted Average: 613





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          106          $17,981,132.42                  6.60%       8.947%            355           91.88%           92.11%          612       11.61%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          42            5,957,184.28                   2.19        9.028            357            91.96            92.10          613        22.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          86           15,651,666.45                   5.75        9.048            354            91.83            91.88          606        27.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         145           23,779,828.82                   8.73        8.916            355            91.79            91.81          614        32.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         213           34,962,519.17                  12.84        9.028            353            91.97            92.04          615        37.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         342           55,681,790.99                  20.45        9.092            353            92.73            92.80          616        42.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         460           78,408,573.62                  28.80        9.174            351            92.47            92.64          615        47.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         223           39,841,866.25                  14.63        9.123            354            92.53            92.75          605        50.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,617         $272,264,562.00                100.00%       9.083%            353           92.32%           92.45%          613       40.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 40.81

Carrington Mortgage Loan Trust, Series 2007-RFC1
FICO less than 600

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 2,161
Aggregate Principal Balance ($): 351,162,855
Weighted Average Current Mortgage Rate (%): 8.823
Weighted Average Margin (%): 6.247
Weighted Average Maximum Rate (%): 15.000
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 358
Weighted Average Stated Remaining Term (months): 354
Weighted Average Combined Original LTV (%): 79.40
% First Liens: 99.75
% Owner Occupied: 96.82
% Purchase: 19.14
% Full Documentation: 65.42
Non-Zero Weighted Average FICO Score: 564





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               37           $3,345,981.70                  0.95%       8.641%            177           66.21%           66.29%          554       32.38%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                4              562,381.83                   0.16        8.881            237            73.05            73.05          564        33.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25 Fixed                                                                1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               867          139,413,997.51                  39.70        8.948            357            79.43            80.36          561        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              138,000.00                   0.04        8.860            357            80.00            80.00          562        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         51           12,574,936.59                   3.58        8.026            357            77.20            84.58          587        42.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          2              706,969.39                   0.20        8.707            355            90.49            96.50          598        28.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              533           63,150,432.19                  17.98        9.024            357            74.58            75.47          562        38.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         2              222,400.00                   0.06        8.835            355            84.15            94.58          578        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            14              706,195.17                   0.20       11.159            177            83.33            83.33          585        47.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               195           30,313,469.02                   8.63        8.838            356            81.04            81.90          566        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                          7            1,367,139.71                   0.39        8.175            356            83.30            88.18          583        45.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         298           69,411,119.50                  19.77        8.666            356            77.43            78.89          561        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          62           12,690,914.89                   3.61        8.515            356            79.97            80.97          570        41.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                          10            2,024,352.20                   0.58        8.226            356            83.85            83.85          572        35.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            33            6,372,283.29                   1.81        8.448            357            75.19            76.01          569        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           7            1,368,530.91                   0.39        8.849            356            88.47            90.38          587        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             5              455,698.53                   0.13        8.986            354            83.32            93.21          576        34.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          11            2,077,444.33                   0.59        8.219            357            72.31            72.31          572        36.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           3              524,213.89                   0.15        8.248            357            78.20            78.20          580        47.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           6            1,004,701.79                   0.29        8.501            358            83.06            83.06          565        32.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             4              815,067.87                   0.23        9.942            357            83.31            83.31          558        37.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 4              642,730.54                   0.18        7.599            357            77.50            77.50          563        37.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          4            1,168,900.00                   0.33        8.318            357            85.91            85.91          586        45.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $499,232.73                  0.14%       5.950%            357           60.98%           60.98%          536       52.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           4            1,175,510.37                   0.33        6.386            356            72.63            76.57          582        34.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          47           11,996,988.31                   3.42        6.870            356            71.55            74.10          581        38.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          85           18,843,424.84                   5.37        7.367            356            68.91            69.88          572        41.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         267           52,097,493.00                  14.84        7.846            353            73.12            74.84          571        41.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         326           57,986,602.42                  16.51        8.309            354            76.86            78.44          568        40.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         460           76,029,192.54                  21.65        8.808            354            79.18            80.52          561        40.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         319           47,197,847.52                  13.44        9.296            356            80.83            82.30          556        40.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        349           49,678,485.18                  14.15        9.780            356            82.94            83.52          559        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                       130           16,736,113.22                   4.77       10.277            356            83.29            83.67          558        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                       101           12,712,878.31                   3.62       10.793            355            82.87            83.01          561        40.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        29            3,053,781.35                   0.87       11.236            351            82.39            82.39          551        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        19            1,880,315.40                   0.54       11.683            348            76.66            76.80          551        42.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         8              627,785.74                   0.18       12.344            322            65.66            65.66          569        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         5              331,634.48                   0.09       12.858            318            90.24            90.24          578        44.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         3               80,556.98                   0.02       13.500            238           100.00           100.00          589        43.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         7              209,620.68                   0.06       13.719            196           100.00           100.00          590        45.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.01       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.950%
Maximum: 14.375%
Weighted Average: 8.823%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       63           $2,548,225.25                  0.73%      10.430%            311           65.57%           65.62%          555       34.26%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                581           44,848,347.84                  12.77        9.376            352            75.26            76.48          558        37.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               614           76,321,969.14                  21.73        8.981            354            77.26            79.00          562        40.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               370           64,484,095.88                  18.36        8.793            355            78.96            80.17          562        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               215           48,281,264.92                  13.75        8.619            354            78.73            80.32          567        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                               125           34,107,512.49                   9.71        8.719            355            77.10            77.90          563        42.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                62           19,921,302.13                   5.67        8.505            357            79.14            80.46          566        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                47           17,467,022.60                   4.97        8.541            356            80.23            81.58          571        42.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                31           13,133,712.29                   3.74        8.531            357            82.85            83.68          568        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                22           10,620,355.56                   3.02        8.188            356            78.65            78.88          563        43.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                12            6,324,627.86                   1.80        8.682            356            76.09            77.73          581        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 4            2,227,857.98                   0.63        8.286            357            84.22            84.22          582        31.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 1              638,499.62                   0.18        7.950            355            79.10            79.10          551        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 7            4,700,868.49                   1.34        8.574            356            85.04            85.04          573        37.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 3            2,206,978.12                   0.63        9.090            356            84.71            84.71          561        38.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              778,482.21                   0.22        8.200            357            78.00            78.00          578        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 2            1,652,796.15                   0.47        9.812            356            89.28            89.28          570        37.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

850,000.01 - 900,000.00                                                 1              898,936.01                   0.26        6.900            357            69.77            69.77          571        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,843.79
Maximum: $898,936.01
Weighted Average: $162,500.16





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              51           $4,052,176.87                  1.15%       9.080%            177           69.19%           69.26%          559       35.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               4              562,381.83                   0.16        8.881            237            73.05            73.05          564        33.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           2,105          346,443,302.15                  98.66        8.820            357            78.25            79.53          564        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 358





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              51           $4,052,176.87                  1.15%       9.080%            177           69.19%           69.26%          559       35.01%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               4              562,381.83                   0.16        8.881            237            73.05            73.05          564        33.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

241 - 300                                                               1              104,993.69                   0.03        8.550            297            90.00            90.00          575        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           2,105          346,443,302.15                  98.66        8.820            357            78.25            79.53          564        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 354





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2             $120,333.12                  0.03%       8.814%            281            9.05%            9.05%          531       37.70%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           3              136,667.83                   0.04        9.354            331            13.08            13.08          567        37.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           4              447,473.98                   0.13       10.101            357            18.33            18.33          557        28.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           9              744,350.83                   0.21        9.194            343            23.28            23.28          545        33.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                          11              771,268.97                   0.22        9.136            331            27.41            27.41          537        30.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                          13            1,075,576.56                   0.31        8.461            357            33.18            33.27          554        37.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          27            3,024,103.85                   0.86        8.547            353            37.55            37.55          547        34.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          27            2,989,172.80                   0.85        8.721            343            42.77            42.77          539        35.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          49            7,022,715.25                   2.00        8.425            349            48.04            48.04          557        39.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          47            7,796,788.68                   2.22        8.449            357            52.94            52.94          551        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          92           12,839,072.41                   3.66        8.337            351            58.11            58.11          555        36.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                         134           21,450,286.65                   6.11        8.312            352            63.55            63.55          554        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                         142           23,672,450.10                   6.74        8.515            356            68.65            68.65          558        39.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         206           37,347,013.26                  10.64        8.596            354            73.94            73.97          554        40.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         351           58,536,030.70                  16.67        8.721            354            79.23            79.25          559        39.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         278           47,324,642.74                  13.48        8.831            356            84.17            84.44          561        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         425           72,479,810.24                  20.64        9.181            356            89.49            89.53          569        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         160           28,469,296.38                   8.11        9.559            355            93.90            94.70          584        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        181           24,915,800.19                   7.10        8.732            353            83.76            99.91          589        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.74%
Maximum: 100.00%
Weighted Average: 79.40%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           5            1,078,543.34                   0.31        6.999            357            61.54            61.54          570        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          16            2,846,614.11                   0.81        7.333            357            63.25            63.25          561        40.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          54           10,298,526.62                   2.93        7.621            357            69.20            69.87          569        40.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                         104           19,119,021.69                   5.44        8.046            357            76.36            78.34          569        41.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         161           27,046,110.56                   7.70        8.425            357            77.51            79.47          565        40.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         257           48,207,384.52                  13.73        8.639            357            78.84            80.45          564        41.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         355           67,181,365.50                  19.13        8.772            357            79.66            81.09          563        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         239           40,921,448.33                  11.65        9.075            357            80.37            81.77          562        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         166           28,127,906.85                   8.01        9.276            356            80.35            80.95          560        38.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         137           25,233,659.83                   7.19        9.446            356            84.80            85.87          568        39.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          24            4,227,555.11                   1.20        9.612            355            81.64            82.15          554        40.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           4              449,934.75                   0.13        9.771            356            84.48            84.48          575        44.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1               84,833.55                   0.02       10.650            355            85.00            85.00          551        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          4              542,517.23                   0.15       11.228            355            79.47            79.47          570        43.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.02       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.220%
Maximum: 10.225%
Non-Zero Weighted Average: 6.247%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           5            1,078,543.34                   0.31        6.999            357            61.54            61.54          570        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                          14            2,514,781.23                   0.72        7.328            357            62.07            62.07          559        41.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          39            7,293,781.85                   2.08        7.697            357            67.79            68.37          569        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          81           15,240,841.89                   4.34        8.092            357            77.86            80.34          567        42.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          94           14,343,423.21                   4.08        8.591            357            77.28            79.53          561        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         123           20,019,358.10                   5.70        8.856            357            79.60            81.64          564        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          79           11,449,924.11                   3.26        9.112            357            82.15            83.78          567        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          73           13,828,762.29                   3.94        7.977            357            76.64            78.85          570        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          73           14,297,939.02                   4.07        8.094            356            76.29            76.99          572        40.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         121           26,944,231.36                   7.67        7.877            356            76.09            78.07          572        40.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         131           27,523,535.06                   7.84        8.273            356            77.91            79.38          571        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         229           44,120,142.09                  12.56        8.801            356            80.52            81.51          561        40.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         158           27,802,265.94                   7.92        9.281            356            82.03            83.62          555        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        179           29,990,148.34                   8.54        9.780            356            83.11            83.69          557        38.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        55            8,442,475.31                   2.40       10.277            356            84.95            85.13          556        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        57            8,418,202.71                   2.40       10.794            356            82.67            82.72          564        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        11            1,305,486.35                   0.37       11.190            356            82.15            82.15          557        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         5              648,617.66                   0.18       11.664            355            84.88            84.88          549        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              164,960.41                   0.05       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.220%
Maximum: 12.225%
Non-Zero Weighted Average: 7.855%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              234,404.32                   0.07        6.875            357            65.28            65.28          582        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         5            1,113,449.03                   0.32        6.705            356            81.14            85.30          576        40.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        28            6,904,581.25                   1.97        6.830            356            73.30            77.73          577        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        57           13,008,122.36                   3.70        7.351            357            68.15            68.92          570        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       167           37,114,165.35                  10.57        7.758            357            75.25            77.31          575        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       213           39,254,879.94                  11.18        8.282            357            78.52            80.18          570        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       301           54,277,362.17                  15.46        8.698            356            79.39            80.82          564        41.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       217           36,108,242.98                  10.28        9.039            357            80.94            82.37          560        41.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       280           44,167,139.73                  12.58        9.444            357            82.04            82.80          558        39.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                       117           19,635,718.61                   5.59        9.748            356            83.10            84.02          553        39.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        91           15,904,285.35                   4.53       10.230            356            82.57            82.98          559        39.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        23            3,490,880.81                   0.99       10.483            356            81.76            81.76          551        44.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                        20            2,769,277.27                   0.79       10.825            356            81.10            81.25          557        44.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              691,540.07                   0.20       11.113            356            85.62            85.62          558        36.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         4              588,410.62                   0.17       11.655            355            84.88            84.88          554        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.05       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.875%
Maximum: 19.225%
Non-Zero Weighted Average: 15.000%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  15            2,147,809.46                   0.61        9.194            357            81.02            81.88          579        37.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,513          273,279,610.81                  77.82        8.775            357            79.12            80.48          564        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.496%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                               1,311          227,107,780.39                  64.67        8.772            357            79.85            81.35          566        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 216           48,223,806.78                  13.73        8.806            356            75.76            76.49          557        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.000                                                                   1               95,833.10                   0.03        8.750            357            80.00            80.00          560        22.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 3.000%
Non-Zero Weighted Average: 1.088%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            633          $75,735,434.27                 21.57%       8.986%            346           74.53%           75.43%          563       38.91%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                1              499,048.84                   0.14        8.800            352            76.45            76.45          581        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               7            1,371,119.91                   0.39        9.392            353            85.66            86.84          569        37.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              31            6,218,549.49                   1.77        8.887            354            84.76            89.50          578        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           155           32,524,599.99                   9.26        8.700            355            79.86            82.28          561        41.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        180           30,551,580.05                   8.70        9.110            356            80.27            81.63          563        40.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          709          128,930,870.93                  36.72        8.771            357            78.13            79.35          563        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                         154           25,595,229.02                   7.29        8.665            358            76.61            77.38          562        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2009                                                               1               64,526.35                   0.02        8.625            353            80.00            80.00          530        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               8            1,022,260.33                   0.29        8.783            354            80.59            92.31          570        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            61           11,146,847.82                   3.17        8.539            355            80.86            81.68          567        42.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         43            8,201,400.50                   2.34        8.918            356            84.32            84.76          573        43.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                          120           20,044,185.86                   5.71        8.708            357            79.00            79.83          567        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          34            4,416,516.65                   1.26        8.850            358            82.08            82.98          566        38.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             2              494,921.34                   0.14        8.802            355            82.16            82.16          576        25.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          2              279,108.54                   0.08        8.384            356            79.73            79.73          557        38.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           17            3,469,617.51                   0.99        7.999            357            84.27            84.27          576        41.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           3              597,037.14                   0.17        8.963            358            80.59            80.59          562        27.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      5             $852,786.97                  0.24%       9.665%            330           82.24%           82.24%          570       38.89%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     69            7,476,443.34                   2.13        9.555            350            85.33            86.49          567        39.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     20            1,761,268.13                   0.50        9.785            357            83.20            83.20          563        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     83           14,917,233.73                   4.25        8.520            355            76.94            78.49          563        37.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    177           52,602,827.64                  14.98        8.290            356            73.08            73.88          565        40.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     21            3,173,598.72                   0.90        8.849            355            82.81            86.01          564        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     25            4,970,121.89                   1.42        8.650            354            78.93            79.92          560        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      3              665,247.03                   0.19        7.933            357            66.06            66.06          574        44.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                     10            1,435,888.73                   0.41        8.065            353            82.70            89.72          574        32.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    276           47,456,716.51                  13.51        8.655            355            76.10            76.92          562        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     84           10,762,221.41                   3.06        9.427            351            82.90            85.40          567        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      6            2,064,418.67                   0.59        7.578            356            69.60            69.60          573        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      9            1,063,018.62                   0.30        9.902            357            83.44            83.44          560        38.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      4              486,776.07                   0.14        9.407            357            86.93            86.93          576        40.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     85           13,778,673.19                   3.92        9.015            356            78.22            79.38          565        43.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     55            5,422,579.09                   1.54        9.274            354            83.89            84.88          565        36.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      7              639,102.37                   0.18        9.704            356            81.52            85.15          558        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     21            1,883,598.42                   0.54        8.919            341            79.14            79.14          563        35.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     47            6,258,311.37                   1.78        9.321            357            83.91            85.48          562        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     33            7,459,924.33                   2.12        8.793            355            76.42            78.24          560        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     70           15,968,043.52                   4.55        8.547            348            73.52            73.95          560        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                     10            1,193,012.94                   0.34        8.983            357            75.79            75.79          575        37.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     85            9,388,351.66                   2.67        9.145            356            81.20            84.16          570        37.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     45            6,050,484.92                   1.72        9.365            356            81.04            82.04          565        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     42            4,272,300.59                   1.22        9.228            354            83.21            83.75          566        37.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     24            2,394,595.89                   0.68        9.603            357            79.52            79.52          556        38.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      4              778,900.25                   0.22        9.300            357            69.50            69.50          548        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     47            6,432,058.70                   1.83        9.390            354            83.07            84.87          564        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      1               53,731.74                   0.02       10.250            357            94.97            94.97          588        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      6              512,798.21                   0.15       10.030            348            89.21            92.89          575        46.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                     10            1,738,409.39                   0.50        8.646            355            77.40            79.62          560        43.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     51           11,656,621.21                   3.32        9.093            355            78.49            78.50          562        38.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      8            1,307,640.89                   0.37        9.524            357            78.47            78.47          556        37.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     23            5,589,501.99                   1.59        8.192            357            77.19            77.19          563        42.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     49           11,270,443.13                   3.21        8.618            354            73.93            74.46          568        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     50            5,656,776.52                   1.61        9.007            356            82.48            84.91          563        39.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     24            2,220,889.09                   0.63        9.217            351            81.09            81.94          566        37.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     20            3,607,942.53                   1.03        8.994            355            80.35            81.96          560        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     82           10,381,948.76                   2.96        9.122            354            80.25            80.69          563        40.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      6            1,471,061.44                   0.42        8.168            356            77.12            77.12          550        37.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     27            2,947,364.81                   0.84        9.631            355            85.71            86.65          564        37.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SD                                                                      1               68,298.28                   0.02        9.500            357            90.00            90.00          568        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     50            5,901,236.86                   1.68        9.136            356            80.58            83.30          563        39.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    159           19,069,271.50                   5.43        9.170            352            81.21            85.13          569        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     30            4,940,899.48                   1.41        8.520            354            78.43            80.46          572        40.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     71           12,020,947.19                   3.42        8.408            353            75.83            76.57          561        39.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      3              367,943.91                   0.10        9.879            356            82.07            82.07          544        39.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     38            7,500,147.46                   2.14        8.590            357            82.35            85.08          567        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     79           10,605,890.63                   3.02        9.278            355            83.06            83.65          559        41.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      5              550,162.98                   0.16        9.144            357            82.81            82.81          530        32.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              114,421.84                   0.03        8.850            355            85.00            85.00          533        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 51





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    45           $5,096,354.70                  1.45%       9.587%            356           72.74%           73.21%          571       40.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   2,087          339,996,980.74                  96.82        8.801            354            78.10            79.39          563        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            29            6,069,519.10                   1.73        9.423            356            84.90            85.61          579        42.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,745         $276,182,412.92                 78.65%       8.831%            354           78.11%           79.31%          563       40.17%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          200           41,114,827.22                  11.71        8.757            353            79.45            81.40          566        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  78           12,043,008.91                   3.43        8.779            354            76.64            77.37          570        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            76           12,016,069.67                   3.42        8.911            356            77.04            78.17          569        44.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     32            4,558,842.90                   1.30        8.918            356            77.32            78.28          562        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           21            3,658,398.92                   1.04        8.661            357            73.51            73.84          557        39.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            4              700,856.22                   0.20        9.568            356            91.29            91.29          576        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    3              519,327.65                   0.15        8.605            355            77.94            77.94          586        36.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     1              238,110.13                   0.07        8.500            358            80.00           100.00          598        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Leasehold                                                               1              131,000.00                   0.04        7.875            358            58.22            58.22          582        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                            1,451         $246,396,854.75                 70.17%       8.734%            354           76.28%           76.75%          561       40.59%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              439           67,228,724.49                  19.14        9.217            355            85.10            89.63          573        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             270           37,419,422.51                  10.66        8.707            354            77.88            78.48          568        38.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  1              117,852.79                   0.03        8.375            358            81.38            81.38          590        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                              117          $22,345,817.04                  6.36%       8.907%            356           82.02%           84.11%          565       39.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                  1,540          229,737,953.54                  65.42        8.728            354            78.14            79.70          561        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     49            7,341,186.42                   2.09        8.739            355            79.89            80.65          547        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  455           91,737,897.54                  26.12        9.048            355            77.05            77.42          572        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     684         $104,569,550.21                 29.78%       9.111%            352           77.53%           78.24%          563       40.57%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       2              298,539.27                   0.09       10.608            355            89.20            89.20          580        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                    101           20,811,985.38                   5.93        8.786            355            76.57            77.61          565        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    838          149,809,243.58                  42.66        8.694            356            78.84            80.60          564        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    522           73,856,761.52                  21.03        8.690            353            77.95            79.10          566        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                     14            1,816,774.58                   0.52        8.458            357            79.41            79.41          561        36.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   2,136         $350,271,013.72                 99.75%       8.814%            355           78.09%           79.35%          564       40.40%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                      25              891,840.82                   0.25       12.468            262            99.71            99.71          590        44.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               5             $781,920.26                  0.22%       9.143%            357           76.69%           76.69%          500       37.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                             284           40,002,990.69                  11.39        9.143            354            69.48            69.80          514        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             411           62,721,202.28                  17.86        9.072            353            75.86            75.93          539        39.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             592           98,140,393.74                  27.95        8.785            355            77.78            77.95          564        39.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             869          149,516,347.57                  42.58        8.657            354            81.66            84.40          588        41.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 599
Weighted Average: 564





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                          160          $19,711,898.58                  5.61%       8.868%            351           76.02%           76.38%          564       12.47%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                         100           11,590,144.75                   3.30        8.941            351            71.13            72.17          557        22.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                         149           24,529,936.54                   6.99        8.705            353            77.48            78.53          563        27.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         231           35,643,340.13                  10.15        8.805            355            76.79            77.20          563        32.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         321           51,462,831.20                  14.65        8.909            353            77.58            79.06          562        37.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         407           66,376,152.39                  18.90        8.754            355            78.56            79.56          563        42.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         522           92,804,813.26                  26.43        8.876            356            79.14            80.55          565        47.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         271           49,043,737.69                  13.97        8.753            354            80.11            82.35          567        50.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              2,161         $351,162,854.54                100.00%       8.823%            354           78.14%           79.40%          564       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 54.00
Weighted Average: 40.41

Carrington Mortgage Loan Trust, Series 2007-RFC1
FICO less than 550

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 687
Aggregate Principal Balance ($): 101,360,546
Weighted Average Current Mortgage Rate (%): 9.104
Weighted Average Margin (%): 6.288
Weighted Average Maximum Rate (%): 15.336
Weighted Average Months to Roll: 26
Weighted Average Stated Original Term (months): 357
Weighted Average Stated Remaining Term (months): 354
Weighted Average Combined Original LTV (%): 73.41
% First Liens: 100.00
% Owner Occupied: 98.87
% Purchase: 11.57
% Full Documentation: 74.76
Non-Zero Weighted Average FICO Score: 529





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               17           $1,577,074.10                  1.56%       8.789%            177           61.14%           61.14%          530       36.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                1              126,357.97                   0.12       11.025            237            80.00            80.00          527        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               295           44,197,662.92                  43.60        9.139            357            73.88            74.21          528        39.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                          1               75,100.00                   0.07        9.310            357            41.26            41.26          524        17.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              168           18,939,811.71                  18.69        9.281            357            71.94            71.96          528        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                61            8,060,379.52                   7.95        9.046            357            76.72            76.72          534        40.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         113           23,200,122.60                  22.89        8.997            357            72.61            72.61          527        40.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          14            2,379,342.14                   2.35        8.600            356            74.35            74.35          540        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           1              115,513.51                   0.11        8.500            357            85.00            85.00          545        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                             9            1,685,395.56                   1.66        8.728            357            68.10            68.10          537        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           2              294,684.53                   0.29        9.720            357            75.00            75.00          505        41.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           1              101,969.44                   0.10        8.625            357            85.00            85.00          536        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             3              399,348.06                   0.39       10.142            357            87.59            87.59          536        37.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1              207,783.45                   0.20        7.500            357            85.00            85.00          545        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $499,232.73                  0.49%       5.950%            357           60.98%           60.98%          536       52.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           3              667,736.54                   0.66        6.894            356            68.07            68.07          544        24.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          13            2,954,478.29                   2.91        7.413            357            63.86            63.86          535        43.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          47            8,674,437.71                   8.56        7.839            350            66.61            66.61          529        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          79           13,627,865.76                  13.44        8.312            353            72.26            72.31          528        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         155           24,641,292.97                  24.31        8.797            353            73.19            73.19          530        40.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         130           17,714,062.48                  17.48        9.301            355            73.58            74.29          525        39.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        136           18,348,923.77                  18.10        9.782            354            77.57            77.59          529        37.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        58            7,324,428.66                   7.23       10.257            356            76.66            76.83          529        40.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        41            4,471,115.62                   4.41       10.740            355            75.29            75.29          530        37.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        15            1,562,607.71                   1.54       11.240            347            77.07            77.07          529        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         8              709,402.86                   0.70       11.716            356            65.62            65.62          516        36.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              164,960.41                   0.16       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.950%
Maximum: 12.225%
Weighted Average: 9.104%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       24           $1,085,316.72                  1.07%       9.842%            339           50.66%           50.66%          524       31.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                208           15,741,945.30                  15.53        9.582            350            70.09            70.15          526        36.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               195           24,437,217.38                  24.11        9.207            354            72.64            72.78          530        39.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               121           20,919,580.21                  20.64        9.056            354            75.08            75.08          528        40.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                60           13,467,435.16                  13.29        8.953            353            74.39            74.48          531        39.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                39           10,478,985.51                  10.34        8.902            357            71.03            71.03          528        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                18            5,762,832.20                   5.69        8.985            357            76.86            76.96          531        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                 8            2,976,534.63                   2.94        8.896            356            74.25            77.19          524        39.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                 7            2,949,796.77                   2.91        8.858            357            83.85            83.85          526        43.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 6            2,888,854.19                   2.85        7.945            357            74.50            74.50          533        45.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              652,047.44                   0.64        8.640            355            75.00            75.00          541        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $24,882.95
Maximum: $652,047.44
Weighted Average: $147,540.82





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              17           $1,577,074.10                  1.56%       8.789%            177           61.14%           61.14%          530       36.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1              126,357.97                   0.12       11.025            237            80.00            80.00          527        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             669           99,657,113.44                  98.32        9.107            357            73.44            73.59          529        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 357





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              17           $1,577,074.10                  1.56%       8.789%            177           61.14%           61.14%          530       36.54%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1              126,357.97                   0.12       11.025            237            80.00            80.00          527        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             669           99,657,113.44                  98.32        9.107            357            73.44            73.59          529        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 175
Maximum: 358
Weighted Average: 354





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2             $120,333.12                  0.12%       8.814%            281            9.05%            9.05%          531       37.70%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1              164,960.41                   0.16       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           6              439,428.87                   0.43        9.545            357            22.72            22.72          517        31.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           9              656,415.01                   0.65        9.281            326            27.40            27.40          528        26.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           3              345,619.84                   0.34        7.958            357            33.64            33.64          532        44.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                          15            1,658,107.66                   1.64        8.891            354            37.25            37.25          527        32.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                          17            2,058,407.78                   2.03        8.886            342            42.86            42.86          526        38.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          23            2,761,206.24                   2.72        8.478            350            48.31            48.31          526        39.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          25            3,671,755.11                   3.62        8.901            356            52.49            52.49          519        43.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          43            5,541,187.83                   5.47        8.844            351            58.25            58.25          524        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          56            8,957,848.29                   8.84        8.806            352            63.63            63.63          526        41.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          53            7,276,745.00                   7.18        9.161            357            68.99            68.99          523        39.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                         101           16,777,804.58                  16.55        9.005            354            74.20            74.20          525        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         131           19,601,086.92                  19.34        9.125            353            79.30            79.30          528        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                         107           16,485,928.88                  16.26        9.210            355            83.81            84.55          532        40.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          92           14,354,109.61                  14.16        9.510            357            89.58            89.62          539        37.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                           3              489,600.36                   0.48        9.635            357            90.04            93.90          542        35.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.74%
Maximum: 95.00%
Weighted Average: 73.41%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           6            1,094,246.62                   1.08        7.357            357            56.14            56.14          539        44.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          13            2,458,674.07                   2.43        7.584            357            65.45            65.45          532        35.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          26            4,581,437.81                   4.52        8.252            357            73.82            73.82          529        40.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          50            7,600,745.89                   7.50        8.726            357            71.99            72.07          529        41.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          77           13,176,120.92                  13.00        8.917            357            72.20            72.44          526        41.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         108           18,815,201.20                  18.56        8.898            357            73.71            74.21          526        40.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          93           13,029,316.86                  12.85        9.438            357            75.75            75.75          528        39.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          69           10,605,395.90                  10.46        9.751            356            74.79            74.79          531        37.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          36            5,370,191.16                   5.30        9.661            356            80.74            80.97          534        37.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          10            1,826,370.80                   1.80        9.959            355            79.43            79.43          527        38.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          1               74,856.88                   0.07       10.770            355            30.00            30.00          535        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.725%
Maximum: 9.520%
Non-Zero Weighted Average: 6.288%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           6            1,094,246.62                   1.08        7.357            357            56.14            56.14          539        44.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          10            1,928,220.23                   1.90        7.660            357            65.38            65.38          529        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          22            4,042,641.97                   3.99        8.186            357            73.51            73.51          528        40.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          33            4,709,312.16                   4.65        8.631            357            71.35            71.47          524        41.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          37            6,183,540.41                   6.10        9.016            357            72.63            72.63          526        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          17            2,491,270.93                   2.46        8.647            357            73.77            73.77          534        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          27            3,511,777.34                   3.46        9.460            357            75.58            75.58          534        37.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          11            1,857,130.93                   1.83        8.863            356            80.51            80.51          536        43.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          18            3,360,365.66                   3.32        7.906            357            66.05            66.05          530        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          24            4,781,343.97                   4.72        8.274            357            71.82            71.82          529        38.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          83           14,330,371.83                  14.14        8.792            356            74.19            74.19          531        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          72           10,937,743.85                  10.79        9.280            356            74.88            76.03          524        39.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         76           11,884,797.04                  11.73        9.777            357            77.66            77.66          528        35.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        26            3,760,684.15                   3.71       10.246            356            79.23            79.55          528        40.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        18            2,607,491.33                   2.57       10.710            357            73.92            73.92          531        38.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         5              702,320.82                   0.69       11.147            356            73.86            73.86          536        42.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         3              284,338.46                   0.28       11.694            356            77.10            77.10          507        41.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              164,960.41                   0.16       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.725%
Maximum: 12.225%
Non-Zero Weighted Average: 8.079%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              207,783.45                   0.20        7.500            357            85.00            85.00          545        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         3            1,042,487.60                   1.03        6.429            357            65.11            65.11          542        36.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        12            2,746,694.84                   2.71        7.406            357            62.26            62.26          534        43.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        25            4,606,965.45                   4.55        7.860            357            69.14            69.14          531        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        46            6,975,293.72                   6.88        8.337            357            72.38            72.46          527        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        86           15,227,490.23                  15.02        8.704            357            73.04            73.04          530        41.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        84           13,201,647.86                  13.02        9.090            357            75.08            75.08          527        40.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       117           17,601,003.92                  17.36        9.417            357            76.82            76.82          530        38.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        54            8,472,630.03                   8.36        9.789            356            76.29            77.92          526        38.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        37            5,011,510.66                   4.94       10.088            357            75.40            75.40          527        38.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        11            1,529,864.97                   1.51       10.495            356            71.83            71.83          517        43.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         8            1,218,049.19                   1.20       10.765            357            69.88            69.88          528        43.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         2              402,044.36                   0.40       11.050            356            79.91            79.91          533        37.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         2              224,131.42                   0.22       11.679            357            75.00            75.00          508        39.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

19.001 - 19.500                                                         1              164,960.41                   0.16       12.225            357            19.88            19.88          547        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 12.500%
Maximum: 19.225%
Non-Zero Weighted Average: 15.336%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   1               83,553.14                   0.08       10.100            356            90.00            90.00          546        29.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 488           78,549,004.97                  77.49        9.066            357            73.83            74.01          529        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.499%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 398           60,900,026.08                  60.08        9.060            357            74.71            74.74          530        39.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  91           17,732,532.03                  17.49        9.094            356            70.90            71.61          524        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.113%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            198          $22,727,987.40                 22.42%       9.231%            344           71.23%           71.24%          529       38.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               2              394,413.87                   0.39        9.204            353            79.99            79.99          534        45.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                               3              381,650.27                   0.38        9.398            354            75.81            75.81          517        34.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            52           10,098,810.70                   9.96        9.147            355            73.13            73.13          526        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         53            8,400,987.39                   8.29        9.298            356            73.61            75.04          528        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          245           40,018,594.13                  39.48        9.079            357            74.13            74.17          527        39.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          56            8,473,113.69                   8.36        8.873            358            69.82            69.89          529        38.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2009                                                               1               64,526.35                   0.06        8.625            353            80.00            80.00          530        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               2              176,020.98                   0.17        9.091            354            74.53            74.53          522        31.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            13            2,395,770.99                   2.36        8.982            355            74.49            74.49          538        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         10            1,152,014.51                   1.14        9.533            356            82.82            82.82          537        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           36            5,203,033.34                   5.13        8.825            357            74.99            74.99          535        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          13            1,448,355.49                   1.43        8.836            358            77.96            77.96          532        34.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            3              425,266.40                   0.42        8.041            357            85.00            85.00          543        43.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      1             $123,327.25                  0.12%       8.750%            178           70.86%           70.86%          540       20.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     20            2,057,380.30                   2.03        9.821            340            83.87            83.87          534        33.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      5              361,124.04                   0.36       10.423            357            80.86            80.86          519        44.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     29            4,662,467.91                   4.60        8.850            357            74.23            74.23          529        38.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                     56           14,032,477.13                  13.84        8.757            355            66.37            66.37          525        40.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                      7            1,149,194.66                   1.13        8.961            357            83.46            83.46          535        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     12            1,908,367.15                   1.88        8.569            351            70.76            70.76          526        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1              127,421.25                   0.13        9.150            357            50.60            50.60          518        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      2              361,387.57                   0.36        9.144            357            83.59            83.59          536        15.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     97           15,221,567.31                  15.02        8.863            354            69.76            69.80          530        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     20            2,842,316.02                   2.80        9.681            357            79.08            79.51          533        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      1              499,232.73                   0.49        5.950            357            60.98            60.98          536        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      3              303,710.83                   0.30        9.330            356            73.04            73.04          525        36.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      1               77,818.50                   0.08        8.750            356            74.29            74.29          546         0.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     30            4,352,889.40                   4.29        9.167            354            70.87            70.87          534        42.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     13            1,201,774.01                   1.19        9.763            357            84.22            84.79          533        36.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      3              230,234.67                   0.23       10.465            357            69.31            69.31          528        47.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      7              573,082.81                   0.57        9.332            345            74.71            74.71          519        38.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     14            1,949,277.01                   1.92        9.300            357            81.45            81.45          531        41.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      8            1,915,928.53                   1.89        9.157            356            69.20            73.78          523        40.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     27            6,297,454.76                   6.21        8.801            349            74.31            74.31          530        42.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      1              156,772.56                   0.15        9.625            357            84.86            84.86          533        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     20            1,950,065.52                   1.92        9.478            357            77.95            77.95          531        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     17            2,010,083.88                   1.98        9.651            357            71.61            71.61          536        41.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     13            1,180,558.47                   1.16        9.252            357            74.13            74.13          532        31.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     11            1,091,889.13                   1.08        9.695            357            75.80            75.80          530        34.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      1              273,306.47                   0.27       10.300            357            65.00            65.00          527        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     16            1,666,891.92                   1.64        9.841            356            78.91            78.91          529        37.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      2               99,173.26                   0.10        9.380            356            84.96            84.96          530        34.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      4              528,711.27                   0.52        8.694            355            60.93            60.93          531        40.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     15            2,861,571.73                   2.82        9.251            357            75.16            75.16          528        38.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      3              472,797.74                   0.47        9.946            357            81.89            81.89          524        47.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      7            1,338,612.21                   1.32        9.116            357            80.11            80.11          536        38.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     13            2,116,829.28                   2.09        9.330            352            64.31            64.31          527        43.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     18            1,848,765.23                   1.82        9.420            356            81.36            81.54          532        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      8              611,218.31                   0.60        9.534            334            76.55            76.55          526        37.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      8            1,401,611.53                   1.38        9.346            357            76.91            76.91          525        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     31            3,383,510.51                   3.34        9.308            350            75.82            75.82          526        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      3              667,468.62                   0.66        9.073            357            77.05            77.05          526        26.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      7              843,766.58                   0.83        9.892            357            83.42            83.42          520        35.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     18            1,794,170.31                   1.77        9.471            357            74.75            74.75          530        33.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     37            3,666,032.79                   3.62        9.707            353            76.20            76.20          529        41.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      6              844,704.79                   0.83        8.845            356            69.66            69.66          527        39.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     25            3,574,056.32                   3.53        8.504            345            68.87            68.87          526        36.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      2              259,900.65                   0.26        9.932            356            80.88            80.88          524        36.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     11            1,976,193.44                   1.95        8.622            357            76.56            78.19          524        37.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     29            3,950,053.38                   3.90        9.416            357            79.02            79.02          528        41.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      3              428,973.93                   0.42        8.875            358            80.77            80.77          521        32.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              114,421.84                   0.11        8.850            355            85.00            85.00          533        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 49





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                     8             $754,716.82                  0.74%      11.045%            357           51.95%           51.95%          528       38.35%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     675          100,216,411.53                  98.87        9.088            354            73.43            73.58          529        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             4              389,417.16                   0.38        9.450            357            70.91            70.91          520        43.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              579          $82,467,053.45                 81.36%       9.137%            354           73.20%           73.38%          528       39.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           56           11,363,420.41                  11.21        8.871            354            75.36            75.36          533        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            16            2,377,727.67                   2.35        9.065            353            67.88            67.88          529        40.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  15            2,096,648.49                   2.07        9.164            349            70.97            70.97          522        39.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           10            1,648,597.82                   1.63        8.897            357            74.21            74.21          532        37.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     11            1,407,097.67                   1.39        9.266            357            71.02            71.02          524        36.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              545          $81,969,494.59                 80.87%       9.062%            353           71.79%           71.95%          528       40.34%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                               80           11,730,391.21                  11.57        9.455            357            81.74            81.90          532        35.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              62            7,660,659.71                   7.56        9.021            356            76.00            76.00          534        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               30           $5,230,998.57                  5.16%       9.053%            356           72.76%           72.76%          526       43.03%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    541           75,773,672.72                  74.76        9.077            354            74.62            74.77          529        39.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     30            4,564,447.91                   4.50        8.706            357            76.71            76.71          527        42.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                   86           15,791,426.31                  15.58        9.368            353            65.89            66.10          531        39.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     221          $31,777,681.51                 31.35%       9.341%            354           74.04%           74.35%          530       40.14%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     35            5,664,276.68                   5.59        9.235            355            72.44            72.54          529        37.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    275           44,040,484.70                  43.45        9.004            356            72.68            72.77          527        39.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    152           19,387,219.29                  19.13        8.916            347            73.43            73.45          531        39.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      4              490,883.33                   0.48        8.692            357            77.85            77.85          524        40.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               5             $781,920.26                  0.77%       9.143%            357           76.69%           76.69%          500       37.28%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                             284           40,002,990.69                  39.47        9.143            354            69.48            69.80          514        39.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                             398           60,575,634.56                  59.76        9.078            354            75.71            75.74          539        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 549
Weighted Average: 529





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           51           $5,977,174.17                  5.90%       9.237%            355           73.73%           73.73%          534       11.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          36            3,899,736.63                   3.85        9.292            345            68.37            68.37          526        22.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          57            7,104,820.70                   7.01        9.216            355            73.03            74.36          527        27.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          74           10,010,328.26                   9.88        9.204            355            71.42            71.42          530        32.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         110           16,709,392.53                  16.49        9.106            350            71.53            71.53          528        37.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         129           20,400,780.29                  20.13        9.007            355            74.36            74.42          527        42.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         156           24,998,973.28                  24.66        9.133            354            74.87            75.02          528        47.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          74           12,259,339.65                  12.09        8.932            355            73.47            73.50          531        50.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                687         $101,360,545.51                100.00%       9.104%            354           73.26%           73.41%          529       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 39.71

Carrington Mortgage Loan Trust, Series 2007-RFC1
DTI greater than 50

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 213
Aggregate Principal Balance ($): 43,251,969
Weighted Average Current Mortgage Rate (%): 8.385
Weighted Average Margin (%): 6.224
Weighted Average Maximum Rate (%): 14.678
Weighted Average Months to Roll: 29
Weighted Average Stated Original Term (months): 359
Weighted Average Stated Remaining Term (months): 355
Weighted Average Combined Original LTV (%): 83.67
% First Liens: 100.00
% Owner Occupied: 96.18
% Purchase: 27.55
% Full Documentation: 63.10
Non-Zero Weighted Average FICO Score: 605





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                2             $133,833.10                  0.31%       8.125%            177           33.84%           33.84%          548       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                2              204,835.89                   0.47        8.313            237            57.50            57.50          575        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                                75           12,919,045.63                  29.87        8.777            357            80.47            85.78          592        51.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              138,000.00                   0.32        8.860            357            80.00            80.00          562        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         12            3,854,349.98                   8.91        7.883            356            82.56            89.48          623        51.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                               47            7,129,780.33                  16.48        8.318            357            72.63            76.12          623        51.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                18            4,458,129.38                  10.31        8.752            356            81.67            82.89          599        51.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                          3              523,900.00                   1.21        7.722            356            85.20            98.24          645        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                          32            8,059,976.69                  18.63        8.060            356            77.95            83.26          596        51.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                           8            2,099,033.48                   4.85        8.773            355            83.31            85.40          611        51.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           1              377,730.77                   0.87        7.250            358            90.00            90.00          634        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                             4            1,001,420.03                   2.32        7.884            357            68.35            68.35          575        51.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           2              228,372.01                   0.53        8.731            358            82.42            82.42          586        51.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             1              262,701.05                   0.61        7.800            357            80.00           100.00          698        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 2              415,361.07                   0.96        7.745            357            82.50            92.50          595        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         1              332,500.00                   0.77        8.950            357            95.00            95.00          641        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          2            1,113,000.00                   2.57        7.412            357            83.95            95.89          636        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           3           $1,018,453.48                  2.35%       5.870%            357           65.28%           65.28%          599       51.81%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           5            1,864,923.59                   4.31        6.292            356            77.67            84.79          646        51.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           7            2,106,976.18                   4.87        6.902            356            70.18            76.98          627        51.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          17            4,109,376.83                   9.50        7.329            354            76.29            80.22          616        51.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          38            7,671,354.81                  17.74        7.834            357            77.10            84.23          618        51.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          36            7,401,989.87                  17.11        8.327            353            79.50            84.03          609        51.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          47            8,745,276.78                  20.22        8.788            355            79.43            83.41          600        51.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          23            4,016,634.54                   9.29        9.315            357            82.44            88.67          585        51.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         21            3,557,107.53                   8.22        9.767            356            82.33            84.34          565        51.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         8            1,533,723.37                   3.55       10.331            356            89.54            91.63          577        51.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         3              521,527.08                   1.21       10.745            356            80.59            80.59          602        52.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         3              518,169.89                   1.20       11.259            356            94.67            94.67          637        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1               60,284.88                   0.14       11.760            354            70.00            70.00          518        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              126,170.58                   0.29       12.200            355           100.00           100.00          612        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.775%
Maximum: 12.200%
Weighted Average: 8.385%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                        1              $44,633.76                  0.10%       8.450%            235            7.03%            7.03%          607       51.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 34            2,642,962.25                   6.11        8.873            347            75.33            79.48          595        51.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                55            6,924,284.18                  16.01        8.835            357            79.32            84.04          595        51.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                42            7,357,926.77                  17.01        8.400            354            81.02            85.23          603        51.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                22            4,802,288.62                  11.10        8.718            357            78.27            84.00          591        51.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                14            3,735,089.36                   8.64        8.623            356            78.69            81.51          607        51.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                17            5,474,967.97                  12.66        8.262            356            82.06            86.57          608        51.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                13            4,802,197.17                  11.10        8.239            356            79.91            84.42          618        51.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                 4            1,737,773.95                   4.02        8.540            357            78.72            78.72          602        51.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 7            3,411,510.26                   7.89        7.760            357            74.40            80.12          609        51.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 1              520,000.00                   1.20        7.750            356            80.00           100.00          691        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 2            1,134,335.12                   2.62        6.481            357            73.67            73.67          594        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              664,000.00                   1.54        6.440            357            80.00           100.00          668        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $44,633.76
Maximum: $664,000.00
Weighted Average: $203,060.89





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               2             $133,833.10                  0.31%       8.125%            177           33.84%           33.84%          548       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               2              204,835.89                   0.47        8.313            237            57.50            57.50          575        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             209           42,913,300.42                  99.22        8.386            356            79.23            83.95          605        51.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 359





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               2             $133,833.10                  0.31%       8.125%            177           33.84%           33.84%          548       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               2              204,835.89                   0.47        8.313            237            57.50            57.50          575        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             209           42,913,300.42                  99.22        8.386            356            79.23            83.95          605        51.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 177
Maximum: 358
Weighted Average: 355





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            1              $44,633.76                  0.10%       8.450%            235            7.03%            7.03%          607       51.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           1              264,624.73                   0.61        7.750            358            14.72            14.72          601        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           2              120,271.78                   0.28        8.094            267            19.65            19.65          648        51.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           2              238,692.97                   0.55       10.218            356            37.71            37.71          589        52.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           2              213,998.37                   0.49        7.239            294            42.87            42.87          620        51.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           4              828,587.09                   1.92        8.529            357            49.32            49.32          606        51.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           6            1,012,940.75                   2.34        8.649            357            52.87            52.87          555        51.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           2              538,718.76                   1.25        7.234            357            56.87            56.87          619        52.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          10            2,514,403.62                   5.81        7.386            357            62.21            62.21          565        51.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          15            3,056,823.51                   7.07        7.871            356            68.65            68.65          625        51.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          15            3,353,264.47                   7.75        8.427            351            73.59            73.59          570        51.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          20            3,760,273.42                   8.69        7.966            357            79.27            79.27          602        51.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          16            4,099,770.15                   9.48        8.394            356            84.54            84.54          593        51.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          46            8,287,488.85                  19.16        8.672            357            89.48            89.48          593        51.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          20            4,074,522.31                   9.42        9.316            356            94.14            94.70          608        51.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                         51           10,842,954.87                  25.07        8.343            356            81.51            99.95          636        51.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 83.67%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1              194,597.61                   0.45        5.825            358            68.42            68.42          671        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           4              968,230.34                   2.24        7.619            357            70.91            75.28          601        52.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           3              977,460.81                   2.26        6.804            357            76.51            92.54          653        51.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           8            1,574,472.87                   3.64        7.068            356            78.10            83.89          622        51.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          18            3,056,182.91                   7.07        8.622            357            80.64            83.66          586        51.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          22            4,947,898.81                  11.44        8.613            356            80.10            85.23          583        51.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          43           10,535,147.93                  24.36        8.143            357            78.91            83.29          598        51.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          28            5,994,175.29                  13.86        8.436            356            83.11            88.39          615        51.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          15            3,106,574.83                   7.18        9.245            356            85.77            87.58          592        51.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          12            2,414,011.49                   5.58        9.147            356            84.67            95.08          614        51.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           2              624,475.54                   1.44       10.674            355            91.93            91.93          609        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           1              126,170.58                   0.29       12.200            355           100.00           100.00          612        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 8.600%
Non-Zero Weighted Average: 6.224%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.001 - 2.500                                                           1              194,597.61                   0.45        5.825            358            68.42            68.42          671        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           4              968,230.34                   2.24        7.619            357            70.91            75.28          601        52.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           3              554,342.12                   1.28        8.084            357            80.93            87.93          576        51.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                           7            1,208,367.43                   2.79        8.634            357            77.50            81.69          578        51.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           6            1,746,529.61                   4.04        8.217            356            79.36            80.55          583        51.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          12            3,059,761.93                   7.07        7.209            357            79.66            85.45          605        51.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           4            1,070,018.33                   2.47        6.962            356            71.12            79.55          599        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          12            3,344,891.34                   7.73        7.712            356            82.22            87.04          615        51.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          22            4,303,159.66                   9.95        7.875            356            81.95            91.17          628        51.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          24            5,702,020.96                  13.18        8.305            356            80.77            85.55          615        51.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          32            5,992,659.33                  13.86        8.863            357            79.63            84.49          595        51.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           8            1,694,811.60                   3.92        9.311            356            88.11            94.01          595        51.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         13            2,751,061.08                   6.36        9.776            356            83.26            84.97          558        51.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         4              970,170.54                   2.24       10.298            356            87.76            91.06          559        51.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         3              521,527.08                   1.21       10.745            356            80.59            80.59          602        52.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         2              437,250.05                   1.01       11.233            356            98.31            98.31          658        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 2.325%
Maximum: 11.250%
Non-Zero Weighted Average: 7.861%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              519,220.75                   1.20        5.794            356            69.41            69.41          660        51.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         4            1,580,688.09                   3.65        6.712            357            83.05            91.45          640        51.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         3            1,322,646.53                   3.06        6.899            356            72.82            85.27          611        51.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8            2,610,307.95                   6.04        7.073            356            77.05            83.24          612        51.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        22            4,443,132.85                  10.27        7.782            357            79.75            86.79          615        51.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        25            5,557,664.98                  12.85        8.124            356            78.32            83.08          609        51.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        27            4,757,667.90                  11.00        8.551            357            84.14            91.22          607        51.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        23            4,930,717.39                  11.40        8.968            356            83.80            88.09          590        51.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        26            5,380,272.65                  12.44        9.187            356            79.29            81.06          577        51.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                         7            1,394,763.26                   3.22       10.151            356            90.27            93.27          576        51.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                         5            1,080,116.12                   2.50        9.859            356            81.80            81.80          544        51.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         2              437,250.05                   1.01       11.233            356            98.31            98.31          658        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         2              378,779.91                   0.88       10.818            356            75.16            75.16          593        52.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         1              126,170.58                   0.29       12.200            355           100.00           100.00          612        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.775%
Maximum: 18.200%
Non-Zero Weighted Average: 14.678%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   1               91,808.99                   0.21        9.300            356            80.00           100.00          586        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 156           34,427,590.02                  79.60        8.417            356            80.91            85.86          602        51.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.499%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 127           26,284,478.94                  60.77        8.459            356            82.50            89.05          607        51.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  29            7,945,317.25                  18.37        8.182            357            74.94            74.94          581        51.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              289,602.82                   0.67       11.250            356           100.00           100.00          685        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.123%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             56           $8,732,570.40                 20.19%       8.250%            351           71.41%           74.86%          617       51.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                               4            1,150,280.72                   2.66        7.889            354            77.90            93.42          630        51.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            16            3,804,030.70                   8.80        8.326            355            80.10            84.85          610        51.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         18            3,205,479.29                   7.41        8.756            356            81.80            94.03          613        51.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                           77           16,101,057.63                  37.23        8.378            357            80.04            83.66          591        51.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                           5              710,523.96                   1.64        8.812            358            72.96            79.61          579        51.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            16            4,092,555.67                   9.46        8.847            355            84.35            86.37          608        51.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          2              389,387.52                   0.90       10.705            356            94.87           100.00          659        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           11            2,509,919.76                   5.80        8.335            357            78.69            81.23          589        52.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           2              317,571.92                   0.73        6.861            358            71.70            71.70          637        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            5            1,860,861.07                   4.30        7.761            357            85.60            94.97          628        51.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           1              377,730.77                   0.87        7.250            358            90.00            90.00          634        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                      9           $1,213,003.19                  2.80%       9.223%            357           87.60%           88.92%          600       51.66%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     16            3,964,865.80                   9.17        7.737            351            80.08            86.03          615        51.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                     19            6,677,356.32                  15.44        7.466            357            75.33            80.10          614        51.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                      2              272,534.02                   0.63        7.283            357            80.00           100.00          648        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                      4              654,994.81                   1.51        9.146            356            79.65            83.43          559        51.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DC                                                                      1              127,421.25                   0.29        9.150            357            50.60            50.60          518        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     24            4,041,941.57                   9.35        8.669            351            79.52            83.61          597        51.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                      7            1,233,599.75                   2.85        8.829            356            81.34            87.94          595        51.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      1              499,232.73                   1.15        5.950            357            60.98            60.98          536        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     13            2,664,006.57                   6.16        8.911            357            80.12            83.67          577        51.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                      1               62,272.26                   0.14        7.950            357            89.14            89.14          601        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      1              142,640.75                   0.33        8.375            356            68.10            68.10          679        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      2              160,763.37                   0.37        9.601            357            90.56            90.56          567        51.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      4              375,837.78                   0.87        9.053            357            84.12            90.65          609        51.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      6            1,867,435.47                   4.32        8.876            356            71.57            71.57          579        51.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     12            2,565,238.14                   5.93        8.368            357            70.79            70.79          604        51.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                      6            1,101,485.41                   2.55        8.778            357            79.71            99.64          646        51.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                      4              627,423.46                   1.45        9.003            355            79.12            93.64          621        51.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      2              153,524.83                   0.35        8.527            356            90.00            90.00          577        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      5              848,060.42                   1.96        8.719            357            86.04            93.38          613        51.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                      2              502,804.76                   1.16        9.648            355            95.00            95.00          617        52.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      1              181,795.52                   0.42        6.625            355            73.69            73.69          646        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                      6            1,979,669.86                   4.58        9.035            356            79.35            79.35          624        51.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      2              415,473.49                   0.96        8.921            357            80.00            89.99          585        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                      7            2,053,687.32                   4.75        7.926            353            79.26            84.32          640        51.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      3              448,348.20                   1.04        9.460            357            88.63            88.63          551        52.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      3              426,765.06                   0.99        8.279            358            90.61            90.61          617        51.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      3              465,604.74                   1.08        9.512            357            82.47            82.47          596        52.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                      5              650,544.86                   1.50        9.002            357            85.46            91.96          582        51.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      2              457,105.98                   1.06        8.371            356            87.96            87.96          592        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      2              271,635.70                   0.63       10.127            357            92.42            92.42          602        51.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      3              495,718.82                   1.15        8.933            357            88.95            88.95          591        51.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     16            2,392,516.57                   5.53        8.580            356            76.68            87.73          601        51.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      3              504,144.64                   1.17        8.387            355            82.07            97.81          621        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                      5              884,031.03                   2.04        7.825            356            76.49            76.49          617        51.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                      2              369,242.99                   0.85        6.854            358            61.77            61.77          626        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                      8            1,394,959.46                   3.23        8.849            356            88.20            94.11          595        51.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              104,282.51                   0.24        8.875            358            80.00           100.00          612        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 38





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                     4             $541,536.86                  1.25%       7.708%            357           60.55%           60.55%          624       52.04%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     203           41,599,631.19                  96.18        8.358            355            78.95            83.82          604        51.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             6            1,110,801.36                   2.57        9.720            357            89.34            89.34          625        51.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              155          $30,501,953.53                 70.52%       8.351%            356           79.15%           83.90%          602       51.62%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           22            4,896,663.46                  11.32        8.434            352            76.03            81.71          607        51.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            18            4,726,280.16                  10.93        8.352            355            81.55            84.92          604        51.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  13            2,434,512.77                   5.63        8.622            357            75.75            80.13          629        51.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            2              302,730.66                   0.70       10.444            356            87.07            97.63          618        51.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      1              169,111.85                   0.39        7.390            357            84.75            84.75          677        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    1              114,516.98                   0.26        7.990            357            90.00            90.00          594        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            1              106,200.00                   0.25        7.850            355            84.96            84.96          674        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              120          $26,769,459.63                 61.89%       8.257%            355           77.11%           79.59%          598       51.64%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                               63           11,914,398.82                  27.55        8.810            356            83.47            94.17          615        51.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              30            4,568,110.96                  10.56        8.023            357            78.28            80.12          615        51.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               15           $3,220,732.43                  7.45%       8.720%            356           80.52%           85.84%          576       51.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    147           27,293,251.43                  63.10        8.143            355            77.34            81.20          599        51.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      7            1,614,874.01                   3.73        8.742            356            86.14            89.89          593        51.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                   44           11,123,111.54                  25.72        8.828            356            81.55            88.18          629        51.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                      62          $13,579,945.29                 31.40%       8.825%            356           77.34%           80.00%          599       51.65%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       1              142,640.75                   0.33        8.375            356            68.10            68.10          679        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     11            2,350,529.44                   5.43        7.881            354            76.53            76.53          615        51.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                     85           17,344,589.87                  40.10        8.282            356            81.32            87.74          601        51.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     50            9,215,038.90                  21.31        8.114            353            77.70            83.63          617        51.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      4              619,225.16                   1.43        7.569            357            81.03            81.03          609        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              14           $2,042,152.75                  4.72%       9.411%            350           64.83%           64.83%          515       51.43%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              22            4,289,014.21                   9.92        8.757            356            78.46            78.46          542        51.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              22            3,584,349.37                   8.29        8.725            351            80.37            80.37          563        51.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              49           10,666,016.76                  24.66        8.515            357            81.22            85.16          588        51.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                              42            7,937,895.12                  18.35        8.370            355            80.50            85.59          612        51.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                              36            8,655,161.46                  20.01        8.209            356            78.65            86.49          640        51.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              15            3,443,134.25                   7.96        7.185            356            77.64            84.19          663        51.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              13            2,634,245.49                   6.09        8.184            356            78.28            89.43          687        51.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 502
Maximum: 698
Weighted Average: 605





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                213          $43,251,969.41                100.00%       8.385%            355           78.99%           83.67%          605       51.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 51.00
Maximum: 54.00
Weighted Average: 51.60

Carrington Mortgage Loan Trust, Series 2007-RFC1
Multiple Families

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 197
Aggregate Principal Balance ($): 42,174,935
Weighted Average Current Mortgage Rate (%): 8.496
Weighted Average Margin (%): 6.234
Weighted Average Maximum Rate (%): 14.734
Weighted Average Months to Roll: 28
Weighted Average Stated Original Term (months): 354
Weighted Average Stated Remaining Term (months): 350
Weighted Average Combined Original LTV (%): 84.59
% First Liens: 98.48
% Owner Occupied: 82.76
% Purchase: 38.71
% Full Documentation: 35.99
Non-Zero Weighted Average FICO Score: 624





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                5           $1,136,935.61                  2.70%       7.734%            176           60.38%           60.38%          657       39.59%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                1               44,633.76                   0.11        8.450            235             7.03             7.03          607        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                                70           11,562,300.28                  27.42        8.790            356            82.06            85.67          610        40.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         15            5,089,295.05                  12.07        7.865            357            80.47            96.64          656        42.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                               31            4,257,274.52                  10.09        8.706            357            76.67            77.42          629        39.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                             4              341,656.25                   0.81       11.373            177            98.55            98.55          686        47.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                20            4,778,095.07                  11.33        8.415            356            76.91            84.03          629        44.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                          31            8,551,310.47                  20.28        8.420            356            80.03            84.13          622        43.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          12            4,341,292.37                  10.29        8.584            357            82.10            83.52          611        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           2              296,470.50                   0.70        7.476            357            71.22            77.46          626        46.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                             2              553,476.45                   1.31        7.603            357            70.27            83.79          614        46.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           2              691,794.21                   1.64        8.669            357            80.00            80.00          619        38.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          2              530,400.00                   1.26        8.777            357            84.75            84.75          598        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $376,808.09                  0.89%       5.740%            357           70.00%           70.00%          685        4.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           3            1,336,517.34                   3.17        6.236            356            81.02            87.78          615        47.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           8            2,486,590.50                   5.90        6.841            326            78.07            81.66          645        41.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          10            3,111,916.81                   7.38        7.335            356            75.59            82.74          640        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          22            6,302,884.82                  14.94        7.849            357            78.01            88.50          652        44.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          40            9,190,225.06                  21.79        8.279            343            75.42            80.34          630        43.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          42            8,024,224.38                  19.03        8.829            356            80.61            84.84          609        39.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          23            4,060,328.19                   9.63        9.259            354            79.40            81.83          602        41.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         26            4,688,570.40                  11.12        9.788            356            85.77            89.17          602        43.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         6            1,015,611.00                   2.41       10.276            356            92.98            92.98          612        46.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         8              876,902.92                   2.08       10.695            336            87.87            88.36          603        44.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         3              311,690.30                   0.74       11.386            244           100.00           100.00          673        47.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              233,787.85                   0.55       11.799            357            73.98            73.98          592        40.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               84,927.13                   0.20       12.050            357           100.00           100.00          644        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         1               46,966.46                   0.11       12.875            177           100.00           100.00          660        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         1               26,983.29                   0.06       13.500            357           100.00           100.00          582        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.740%
Maximum: 13.500%
Weighted Average: 8.496%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                        6             $244,721.50                  0.58%      10.020%            264           69.53%           69.53%          634       46.38%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 45            3,650,448.67                   8.66        9.400            345            78.11            79.51          601        40.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                36            4,320,370.61                  10.24        9.263            352            81.55            86.47          603        41.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                30            5,226,695.94                  12.39        8.626            357            75.70            80.40          607        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                13            2,883,070.89                   6.84        8.453            356            78.62            83.30          615        44.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                15            4,142,712.32                   9.82        8.743            356            81.70            88.83          618        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                13            4,207,453.57                   9.98        8.224            328            76.65            79.71          649        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                14            5,251,796.30                  12.45        7.841            344            80.29            88.75          649        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                 8            3,381,091.54                   8.02        8.644            356            85.09            90.28          625        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 7            3,307,469.60                   7.84        7.751            356            80.26            82.99          638        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 5            2,656,980.52                   6.30        8.443            356            81.01            88.95          641        44.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 4            2,284,172.37                   5.42        7.778            356            81.27            86.88          625        38.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 1              617,950.71                   1.47        8.140            355            68.89            68.89          615        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $26,983.29
Maximum: $617,950.71
Weighted Average: $214,085.96





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               9           $1,478,591.86                  3.51%       8.575%            177           69.20%           69.20%          664       41.46%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               44,633.76                   0.11        8.450            235             7.03             7.03          607        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             187           40,651,708.92                  96.39        8.494            356            80.03            85.24          623        42.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 354





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               9           $1,478,591.86                  3.51%       8.575%            177           69.20%           69.20%          664       41.46%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               1               44,633.76                   0.11        8.450            235             7.03             7.03          607        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             187           40,651,708.92                  96.39        8.494            356            80.03            85.24          623        42.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 358
Weighted Average: 350





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2              $95,052.00                  0.23%       8.874%            203            7.41%            7.41%          571       48.88%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           1               59,937.54                   0.14        9.250            358            11.54            11.54          561        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1               90,870.24                   0.22        9.700            357            18.20            18.20          566        28.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           1              113,509.08                   0.27        9.475            355            21.31            21.31          517        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           1               69,884.41                   0.17        9.000            357            31.82            31.82          556        22.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           1              261,824.47                   0.62        8.875            357            39.10            39.10          512        29.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           4              651,343.57                   1.54        8.831            266            41.88            41.88          577        37.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           3              466,957.14                   1.11        7.879            356            49.74            49.74          623        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           1              154,666.40                   0.37        8.500            357            51.65            51.65          564         0.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           3              281,050.95                   0.67        8.640            357            58.43            58.43          609        40.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                           8            1,537,648.21                   3.65        7.695            356            64.04            64.04          591        45.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                           9            2,421,606.74                   5.74        7.664            331            68.79            68.79          646        38.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          10            1,933,411.07                   4.58        7.880            321            74.26            74.26          627        46.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          33            8,474,586.12                  20.09        8.433            355            79.52            79.52          618        42.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          22            5,823,218.42                  13.81        8.536            356            84.35            84.64          618        42.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          30            5,772,377.66                  13.69        8.898            357            89.49            89.61          610        43.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          16            2,673,305.14                   6.34        9.721            350            93.76            94.61          618        45.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                         51           11,293,685.38                  26.78        8.386            353            81.66           100.00          650        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 84.59%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           3              697,360.65                   1.65        6.733            356            66.16            66.16          658        14.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           4              837,192.07                   1.99        7.699            357            73.89            73.89          619        44.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          10            2,551,493.60                   6.05        7.955            357            80.79            88.44          616        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          10            1,784,585.84                   4.23        8.532            357            76.24            81.87          605        42.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          35            7,703,444.43                  18.27        8.590            357            80.20            86.80          624        42.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          46           11,034,878.38                  26.16        8.309            356            81.90            87.77          617        43.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          13            3,592,522.35                   8.52        8.358            356            79.26            90.41          649        44.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          16            3,292,473.40                   7.81        8.755            356            79.03            83.11          620        45.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          14            3,976,323.16                   9.43        9.192            356            85.15            85.73          620        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           1              200,923.39                   0.48       10.775            356            85.00            85.00          632        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           1               84,927.13                   0.20       12.050            357           100.00           100.00          644        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1               84,833.55                   0.20       10.650            355            85.00            85.00          551        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.240%
Maximum: 9.400%
Non-Zero Weighted Average: 6.234%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              154,349.37                   0.37        7.875            354            41.89            41.89          563        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           1              184,775.06                   0.44        8.500            358            92.50            92.50          590        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           7            2,029,034.40                   4.81        8.032            357            81.62            91.23          618        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                           7            1,109,360.18                   2.63        8.495            357            76.20            83.03          604        45.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          10            2,387,033.35                   5.66        8.480            357            76.42            81.98          602        36.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          12            2,533,645.91                   6.01        7.872            357            80.73            86.13          601        45.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           8            1,931,049.49                   4.58        7.492            356            77.07            83.64          627        43.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                           9            2,480,750.43                   5.88        7.723            357            76.65            82.61          631        38.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          15            4,662,213.95                  11.05        7.845            357            78.63            89.47          659        45.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          25            6,043,965.80                  14.33        8.266            356            78.35            83.39          637        44.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          25            5,179,193.02                  12.28        8.888            356            83.82            88.27          615        39.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          11            2,887,720.90                   6.85        9.216            357            82.79            84.66          606        42.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         15            3,133,934.57                   7.43        9.804            356            87.16            90.25          609        43.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         4              642,937.02                   1.52       10.319            356            92.56            92.56          599        45.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         4              480,994.50                   1.14       10.707            355            88.17            89.06          602        44.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.325%
Maximum: 10.775%
Non-Zero Weighted Average: 7.803%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              376,808.09                   0.89        5.740            357            70.00            70.00          685         4.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         4            1,153,507.46                   2.74        7.289            356            73.62            82.64          641        47.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         8            2,842,243.83                   6.74        6.835            356            76.15            79.33          623        45.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        18            5,378,833.54                  12.75        7.712            357            78.74            87.41          643        44.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        28            7,381,503.53                  17.50        8.158            356            79.58            86.52          632        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        29            5,948,793.43                  14.11        8.646            356            79.55            85.01          616        42.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        15            3,442,821.90                   8.16        9.040            356            80.36            84.17          615        43.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        29            5,606,682.04                  13.29        9.411            356            84.22            89.97          606        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        10            1,620,179.33                   3.84        9.685            356            87.13            90.47          609        43.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                         9            1,855,901.98                   4.40       10.077            356            88.40            88.40          595        45.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         1               63,546.24                   0.15       10.450            356            95.00            95.00          599        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         1               85,209.45                   0.20       10.675            354            90.00            95.00          595        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         1               84,927.13                   0.20       12.050            357           100.00           100.00          644        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.740%
Maximum: 18.050%
Non-Zero Weighted Average: 14.734%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   5              711,694.88                   1.69        8.414            357            85.41            88.62          608        45.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 149           35,129,263.07                  83.29        8.484            356            80.48            86.14          623        42.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.490%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 124           27,827,908.56                  65.98        8.573            357            80.27            85.44          622        42.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  30            8,013,049.39                  19.00        8.165            356            81.65            88.79          623        41.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.112%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             43           $6,333,976.59                 15.02%       8.577%            314           73.88%           75.56%          636       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                               3              407,507.02                   0.97        8.265            354            67.66            76.94          615        36.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            19            5,705,394.37                  13.53        8.585            355            79.69            84.91          628        43.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         27            5,428,850.09                  12.87        8.612            356            82.26            92.24          638        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                           58           12,013,941.15                  28.49        8.337            357            81.30            86.43          617        40.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                           9            1,647,213.17                   3.91        8.748            358            83.28            89.14          607        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                             9            2,200,947.33                   5.22        9.226            355            81.41            81.41          610        45.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          3              983,956.05                   2.33        7.706            356            70.64            70.64          573        44.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           21            6,399,910.82                  15.17        8.384            357            80.08            85.64          632        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           1              226,367.45                   0.54        8.500            358            80.00           100.00          622        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          1              100,699.01                   0.24        8.500            356            73.58            91.97          617        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            3              726,171.49                   1.72        8.285            357            80.78            80.78          607        47.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                      3             $552,080.80                  1.31%       8.060%            356           80.00%           84.14%          622       42.08%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                     15            5,247,106.60                  12.44        7.551            356            78.75            85.70          652        36.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                      1               99,868.72                   0.24        8.125            358            78.13            78.13          623         0.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     11            1,940,492.38                   4.60        9.093            352            80.44            84.91          602        43.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                      5            1,086,737.45                   2.58        8.443            357            79.15            82.16          645        29.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                      1              141,350.28                   0.34        9.750            357            95.00            95.00          584        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      1               27,667.60                   0.07       10.700            357           100.00           100.00          698        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     22            5,236,888.15                  12.42        8.537            356            78.08            82.88          618        44.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      1               71,965.45                   0.17        9.990            357            90.00            90.00          607        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      4              463,271.66                   1.10        8.963            356            88.25            92.91          597        43.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      8            1,659,511.07                   3.93        8.889            355            74.34            74.34          595        47.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      3              510,292.51                   1.21        7.670            357            85.21            89.68          611        45.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                      2              170,351.87                   0.40        8.625            356            74.51            74.51          606        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                      6            1,327,349.85                   3.15        8.747            312            81.64            84.70          647        36.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      3              385,400.50                   0.91        9.699            356            79.42            94.60          611        42.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      1               91,374.26                   0.22        9.875            357            75.00            75.00          610        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      2              313,720.84                   0.74        9.792            355            83.04            98.99          619        44.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     18            6,291,385.05                  14.92        8.791            356            81.90            86.95          630        40.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     33            9,715,286.58                  23.04        8.058            336            77.05            83.51          632        46.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      5              418,025.00                   0.99        9.661            357            87.65            87.65          612        43.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                      9              774,087.89                   1.84        9.349            357            85.13            85.13          599        42.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      4              955,598.39                   2.27        8.271            356            77.60            77.60          603        48.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      2              184,846.56                   0.44       10.410            357            58.43            67.08          550        37.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                      4              316,581.88                   0.75        8.494            329            79.53            84.92          631        36.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                      1              206,715.54                   0.49        9.875            357            75.00            75.00          612        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      1              108,043.26                   0.26        9.750            355            84.94            84.94          591        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                      3              770,041.49                   1.83        9.370            357            86.93            86.93          607        40.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     27            3,004,610.40                   7.12        9.086            357            82.70            88.19          601        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              104,282.51                   0.25        8.875            358            80.00           100.00          612        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 29





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    37           $7,271,510.33                 17.24%       8.811%            348           80.45%           80.80%          641       39.32%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     160           34,903,424.21                  82.76        8.431            350            79.39            85.38          621        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                           197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              105          $23,631,349.51                 56.03%       8.456%            350           77.76%           78.39%          614       42.95%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                               75           16,324,339.28                  38.71        8.566            353            83.60            95.11          642        41.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              17            2,219,245.75                   5.26        8.418            326            69.29            73.30          605        41.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                                9           $2,283,827.93                  5.42%       7.914%            357           79.25%           83.90%          617       38.92%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                     93           15,180,114.75                  35.99        8.126            351            77.61            80.53          604        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      2              394,862.66                   0.94        9.834            355            94.06            94.06          581        51.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                   93           24,316,129.20                  57.66        8.760            349            80.60            87.05          638        42.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                      86          $21,923,145.47                 51.98%       8.598%            353           79.78%           85.09%          624       43.85%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     19            5,013,222.08                  11.89        7.930            328            74.54            79.41          631        45.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                     63           11,158,667.42                  26.46        8.505            357            81.32            86.76          621        38.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     28            3,986,410.34                   9.45        8.575            342            79.68            82.20          629        39.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      1               93,489.23                   0.22       10.575            357            90.00            90.00          556        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 24





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     189          $41,533,856.52                 98.48%       8.449%            351           79.27%           84.37%          624       42.29%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                       8              641,078.02                   1.52       11.544            261            99.23            99.23          667        47.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               1              $77,870.97                  0.18%       8.990%            357           78.79%           78.79%          500       50.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               5              839,895.70                   1.99        9.343            357            54.98            54.98          512        35.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              11            1,873,596.66                   4.44        9.083            352            76.88            76.88          543        44.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              21            2,873,185.04                   6.81        9.265            357            73.78            74.49          564        40.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              38            6,351,521.30                  15.06        8.642            356            81.45            83.27          587        46.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                              39            9,338,884.53                  22.14        8.548            349            79.53            84.25          614        43.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                              37            9,065,432.08                  21.49        8.410            356            82.40            87.83          639        41.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              20            5,009,110.50                  11.88        8.101            353            80.32            90.50          664        40.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              24            6,676,100.47                  15.83        8.094            329            79.80            87.86          687        39.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1               69,337.29                   0.16        8.300            356            80.00            80.00          751        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 751
Weighted Average: 624





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           10           $2,170,231.68                  5.15%       8.012%            356           74.38%           81.88%          643       11.21%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                           3              581,391.35                   1.38        7.837            357            70.35            85.74          628        23.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                           9            1,332,735.06                   3.16        8.904            312            62.43            66.24          611        28.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          12            2,035,836.55                   4.83        8.221            357            85.28            87.52          622        32.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          23            5,330,943.46                  12.64        8.515            357            80.27            83.93          638        36.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                          50           10,504,921.45                  24.91        8.583            350            79.44            84.49          621        41.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                          56           10,949,057.07                  25.96        8.760            344            81.32            85.75          626        47.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          34            9,269,817.92                  21.98        8.232            356            80.27            86.28          616        50.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                197          $42,174,934.54                100.00%       8.496%            350           79.57%           84.59%          624       42.37%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 4.00
Maximum: 53.00
Weighted Average: 42.37

Carrington Mortgage Loan Trust, Series 2007-RFC1
Condominium

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 262
Aggregate Principal Balance ($): 45,779,700
Weighted Average Current Mortgage Rate (%): 8.571
Weighted Average Margin (%): 6.367
Weighted Average Maximum Rate (%): 14.854
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 358
Weighted Average Stated Remaining Term (months): 355
Weighted Average Combined Original LTV (%): 87.82
% First Liens: 98.34
% Owner Occupied: 88.58
% Purchase: 46.54
% Full Documentation: 50.36
Non-Zero Weighted Average FICO Score: 622





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                3             $200,987.43                  0.44%       8.868%            176           37.71%           37.71%          540       25.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                                85           13,695,870.32                  29.92        8.863            356            82.56            87.28          608        39.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         30            7,433,554.95                  16.24        8.058            356            82.95            94.17          647        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                               52            6,301,796.45                  13.77        8.555            357            76.16            78.45          622        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                             3              202,861.42                   0.44       11.216            177            98.11            98.11          630        45.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                19            3,297,455.23                   7.20        8.450            357            77.53            80.67          614        42.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                          7            1,534,251.97                   3.35        9.054            356            85.87            95.54          638        44.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                          34            6,581,706.74                  14.38        8.749            356            81.55            88.83          613        43.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                           9            1,607,072.87                   3.51        8.032            355            81.53            89.96          635        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           1              127,898.48                   0.28        8.300            357            80.00           100.00          666        20.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                             6            1,180,180.82                   2.58        8.344            357            80.28            90.36          604        48.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           5            1,362,021.86                   2.98        8.974            356            85.18            91.77          600        42.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           1              207,847.19                   0.45        8.125            356            80.00           100.00          643        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           2              652,422.20                   1.43        8.303            357            95.00            95.00          691        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           1              190,352.24                   0.42        9.550            357            80.00           100.00          603        29.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             1              225,126.27                   0.49        7.250            357            85.00            85.00          666        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1               71,093.97                   0.16        7.500            358            80.00           100.00          658        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          2              907,200.00                   1.98        7.319            356            80.00            97.75          657        32.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           2             $547,618.24                  1.20%       6.306%            357           70.26%           81.43%          674       33.86%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          12            2,385,550.18                   5.21        6.859            357            71.48            81.92          635        38.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          20            4,188,743.87                   9.15        7.308            356            77.41            86.54          645        39.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          44            8,477,808.51                  18.52        7.841            355            78.74            87.24          635        44.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          40            6,402,538.57                  13.99        8.266            357            80.66            86.94          620        38.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          58           10,546,187.46                  23.04        8.786            356            82.13            89.53          616        44.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          36            6,582,658.55                  14.38        9.340            356            83.36            86.80          598        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         19            3,281,923.97                   7.17        9.780            352            85.62            89.01          601        39.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        12            1,748,585.58                   3.82       10.284            351            89.78            91.40          626        40.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         6              671,876.91                   1.47       10.682            357            85.52            88.42          615        38.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         3              402,329.25                   0.88       11.294            356           100.00           100.00          673        47.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         6              304,861.28                   0.67       11.745            313           100.00           100.00          634        44.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         3              115,106.47                   0.25       12.299            276            99.84            99.84          639        44.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         1              123,911.57                   0.27       12.875            357           100.00           100.00          604        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 6.240%
Maximum: 12.875%
Weighted Average: 8.571%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       13             $481,289.35                  1.05%      10.557%            339           72.18%           72.39%          604       35.25%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                 59            4,859,995.97                  10.62        9.084            344            75.16            79.90          608        38.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                                63            7,891,344.49                  17.24        8.428            357            78.26            83.10          616        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                51            8,971,858.26                  19.60        8.709            356            82.60            88.96          616        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                24            5,281,672.18                  11.54        8.545            357            83.75            90.25          623        46.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                17            4,668,659.73                  10.20        8.909            356            85.44            88.98          615        42.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                16            5,052,279.14                  11.04        7.846            356            82.45            90.85          639        45.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                 6            2,232,473.57                   4.88        8.502            357            82.30            92.49          633        46.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                 5            2,082,781.91                   4.55        7.639            357            78.93            89.84          647        36.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 4            1,954,168.51                   4.27        8.499            357            80.00            95.26          639        44.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 2            1,047,680.43                   2.29        8.995            355            89.51            89.51          616        44.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 1              560,000.00                   1.22        7.940            355            80.00           100.00          674        46.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              695,496.87                   1.52        9.725            354            90.00            90.00          579        39.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,971.78
Maximum: $695,496.87
Weighted Average: $174,731.68





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               6             $403,848.85                  0.88%      10.047%            177           68.05%           68.05%          586       35.25%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             256           45,375,851.56                  99.12        8.558            356            81.42            87.99          622        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 358





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               6             $403,848.85                  0.88%      10.047%            177           68.05%           68.05%          586       35.25%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             256           45,375,851.56                  99.12        8.558            356            81.42            87.99          622        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 175
Maximum: 358
Weighted Average: 355





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           3             $165,106.10                  0.36%       9.913%            293           21.96%           21.96%          610       31.51%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           2              119,808.75                   0.26        8.625            357            33.19            34.05          560        33.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           3              186,856.48                   0.41        8.328            309            37.20            37.20          578        30.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           3              307,897.87                   0.67        7.639            303            42.56            42.56          590        36.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           2              163,084.09                   0.36        7.685            357            46.19            46.19          629        35.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           8            1,270,407.86                   2.78        8.120            357            53.25            53.25          583        39.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                           9            1,052,643.64                   2.30        8.071            357            57.88            57.88          590        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                           7            1,363,123.83                   2.98        7.846            357            63.15            63.15          617        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          13            1,606,225.20                   3.51        8.253            357            68.85            68.85          588        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          11            1,811,307.67                   3.96        8.578            357            73.60            73.60          578        37.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          23            3,807,920.86                   8.32        8.285            357            79.64            79.64          605        42.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          21            4,143,332.86                   9.05        8.719            356            83.72            84.40          611        42.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                          32            6,425,508.89                  14.04        8.807            356            89.38            89.71          610        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          36            7,395,333.13                  16.15        8.840            354            92.52            94.99          638        42.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                         89           15,961,143.18                  34.87        8.558            355            82.68            99.90          641        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 20.47%
Maximum: 100.00%
Weighted Average: 87.82%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              205,952.38                   0.45        6.875            358            52.90            52.90          590        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           2              737,195.69                   1.61        6.613            357            71.61            79.92          642        39.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           9            1,520,091.94                   3.32        7.576            357            80.74            87.01          633        42.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          10            1,686,565.75                   3.68        7.860            357            76.15            81.89          611        37.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          20            2,976,523.88                   6.50        8.279            357            82.36            92.22          617        42.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          27            5,144,385.79                  11.24        8.871            356            82.20            88.94          609        38.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          47            9,298,649.71                  20.31        8.426            356            84.06            91.03          632        42.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          31            6,288,976.14                  13.74        8.407            356            80.07            89.38          630        43.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          21            3,947,460.57                   8.62        9.113            356            86.13            93.68          616        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          23            4,273,764.72                   9.34        9.102            356            81.40            88.26          610        39.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           5            1,454,375.78                   3.18        9.695            356            91.72            91.72          633        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           1              134,805.67                   0.29       10.150            355            84.97            84.97          633        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.475%
Maximum: 8.900%
Non-Zero Weighted Average: 6.367%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              205,952.38                   0.45        6.875            358            52.90            52.90          590        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           1              329,195.69                   0.72        7.075            357            61.22            61.22          607        53.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           7            1,279,724.17                   2.80        7.714            357            81.94            87.75          637        44.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           6              793,827.59                   1.73        8.073            357            72.41            76.13          584        42.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          10            1,350,181.03                   2.95        8.673            357            84.08            90.11          598        44.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           4              697,173.02                   1.52        9.088            357            79.60            79.60          564        48.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           9            1,816,002.27                   3.97        8.543            358            87.87            91.24          634        39.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                           9            1,739,400.43                   3.80        7.151            356            70.73            82.91          625        38.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          18            3,436,952.74                   7.51        8.148            356            83.49            92.45          630        38.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          27            5,782,914.39                  12.63        7.835            356            80.34            92.30          649        44.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          23            4,257,807.03                   9.30        8.255            356            83.11            90.25          630        36.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          37            7,446,988.08                  16.27        8.804            356            82.79            91.22          618        43.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          20            4,062,165.00                   8.87        9.319            356            84.22            88.89          601        41.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         12            2,434,871.70                   5.32        9.742            356            85.60            90.17          602        38.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         8            1,380,254.21                   3.01       10.231            357            90.24            92.29          632        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                         4              365,735.47                   0.80       10.703            357            81.58            81.58          618        29.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1              289,602.82                   0.63       11.250            356           100.00           100.00          685        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.475%
Maximum: 11.250%
Non-Zero Weighted Average: 7.967%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1              408,000.00                   0.89        6.240            357            80.00            95.00          671        28.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         4              669,663.49                   1.46        6.822            356            69.64            79.43          613        41.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        10            2,227,053.12                   4.86        7.366            356            74.92            85.53          643        39.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        32            6,593,740.62                  14.40        7.686            356            78.16            89.53          638        42.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        31            5,691,711.78                  12.43        8.074            356            82.76            90.43          627        38.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                        45            8,235,690.37                  17.99        8.633            356            81.46            89.39          622        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        22            3,901,543.91                   8.52        9.149            357            84.51            86.28          587        42.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        21            3,614,992.04                   7.90        9.293            356            86.91            92.59          610        40.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        19            3,883,675.19                   8.48        9.605            356            86.68            91.35          624        42.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                         6            1,487,074.14                   3.25       10.050            355            89.86            92.03          604        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         4              826,083.07                   1.80       10.590            356            89.66            93.07          647        44.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         2              129,520.29                   0.28       10.633            357            70.64            70.64          566        28.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 12.240%
Maximum: 17.700%
Non-Zero Weighted Average: 14.854%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 197           37,668,748.02                  82.28        8.572            356            82.32            89.54          622        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.500%
Maximum: 1.500%
Non-Zero Weighted Average: 1.500%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 171           31,354,220.83                  68.49        8.581            356            81.56            89.07          621        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  25            6,024,924.37                  13.16        8.399            356            85.39            91.46          627        42.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              289,602.82                   0.63       11.250            356           100.00           100.00          685        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.088%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                             65           $8,110,952.39                 17.72%       8.562%            348           76.60%           79.85%          619       43.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               2              572,448.85                   1.25        9.106            353            82.77            82.77          563        36.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              10            2,611,459.48                   5.70        8.653            354            88.30            94.86          628        41.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            17            3,459,709.74                   7.56        8.483            355            83.43            95.44          631        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         31            5,788,671.57                  12.64        8.741            356            81.95            91.61          630        41.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                           79           14,749,734.31                  32.22        8.562            357            81.90            87.71          618        42.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          17            2,543,552.12                   5.56        8.831            358            83.75            85.62          601        40.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               2              510,263.06                   1.11        7.644            354            88.43            97.17          650        39.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                             8            1,209,933.24                   2.64        8.271            355            81.93            90.55          628        44.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                          8            1,703,324.74                   3.72        9.178            356            82.67            92.00          649        45.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           15            2,894,769.34                   6.32        8.506            357            80.07            84.82          613        42.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                           4              518,689.12                   1.13        7.716            358            64.50            68.60          581        34.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          1              499,200.00                   1.09        8.200            356            80.00           100.00          645        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            2              535,898.48                   1.17        6.732            357            80.00            96.19          670        26.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2011                                                           1               71,093.97                   0.16        7.500            358            80.00           100.00          658        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      3             $305,524.49                  0.67%       9.374%            357           94.09%           94.09%          613       44.17%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                      6              520,656.69                   1.14        9.130            357            82.97            89.03          591        38.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                     40           10,613,524.61                  23.18        8.016            352            78.93            86.92          632        43.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                      9            1,109,104.03                   2.42        8.844            356            86.50            89.37          604        37.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                      4              521,116.75                   1.14        8.214            356            86.26            93.74          626        31.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                     83           12,869,298.20                  28.11        8.693            357            80.26            86.36          612        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                      5              388,288.23                   0.85        9.274            356            79.00            88.85          635        43.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      5            1,129,473.30                   2.47        7.868            356            85.60            88.52          652        44.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     13            2,154,951.02                   4.71        8.872            357            81.91            91.89          626        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                      3              295,969.58                   0.65        8.369            356            80.27            90.42          650        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                      6              800,981.04                   1.75        8.138            343            72.44            72.44          589        31.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     14            2,641,809.80                   5.77        8.383            356            78.75            82.34          621        44.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      1              119,864.96                   0.26        8.875            358            78.95            78.95          562        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     11            2,229,494.78                   4.87        8.760            357            84.16            98.18          641        44.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                      2              278,144.78                   0.61        8.485            357            88.50            96.94          628        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                      2              262,206.15                   0.57        8.917            356            95.00            95.00          670        36.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                      3              818,418.73                   1.79        9.765            354            87.73            87.73          590        38.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                      2              230,185.46                   0.50        9.525            355            80.00            88.60          671        47.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     11            2,547,244.35                   5.56        9.388            357            89.29            89.29          616        39.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      1               57,896.53                   0.13        8.625            357            79.45            79.45          601        25.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      4              394,278.02                   0.86        9.285            357            73.64            80.79          602        41.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                      6            1,371,854.05                   3.00        8.893            346            75.54            83.70          609        44.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                      1               88,515.84                   0.19        8.300            355            80.00           100.00          602        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                      1              112,028.24                   0.24        8.125            357            72.42            72.42          599        17.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      1              182,300.00                   0.40        7.875            355            94.95            94.95          633        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      3              922,712.00                   2.02        8.969            356            87.75            98.57          642        42.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      1              127,898.48                   0.28        8.300            357            80.00           100.00          666        20.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                      7              893,876.11                   1.95        8.673            356            83.06            92.49          609        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      3              322,242.69                   0.70        8.561            328            73.84            90.77          663        27.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                      3              542,380.49                   1.18        7.961            357            84.09            84.09          622        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                      5              706,970.60                   1.54        8.372            355            87.88            95.93          645        41.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                      3              220,490.41                   0.48        9.250            357            63.55            63.55          552        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 32





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    13           $1,553,569.30                  3.39%       9.273%            357           79.73%           79.73%          647       38.80%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     232           40,552,575.63                  88.58        8.497            355            80.63            87.90          620        41.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            17            3,673,555.48                   8.02        9.089            355            89.45            90.35          631        41.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                 240          $40,910,850.63                 89.36%       8.501%            355           80.76%           87.03%          622       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                   11            2,769,513.85                   6.05        9.224            356            84.90            93.64          612        42.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            7            1,100,849.47                   2.40        9.235            356            89.89            92.95          602        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     4              998,486.46                   2.18        8.861            358            84.06            98.17          643        42.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              127          $20,960,156.62                 45.78%       8.475%            355           78.79%           80.91%          612       42.04%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              113           21,307,601.57                  46.54        8.687            355            84.49            95.34          631        41.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              22            3,511,942.22                   7.67        8.435            357            76.96            83.43          623        40.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               10           $1,317,589.58                  2.88%       8.877%            356           90.40%           94.93%          612       40.95%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    138           23,055,329.60                  50.36        8.321            354            80.21            86.41          609        41.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                      3              387,600.50                   0.85        8.948            357            88.17            88.17          578        45.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  111           21,019,180.73                  45.91        8.818            356            81.81            88.91          637        41.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                      75          $12,681,959.53                 27.70%       9.006%            354           81.55%           85.58%          612       41.17%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     17            3,245,563.54                   7.09        8.878            356            83.45            90.09          619        44.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    108           18,616,019.71                  40.66        8.493            355            82.52            89.72          623        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                     62           11,236,157.63                  24.54        8.119            355            78.39            86.54          631        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 36
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     248          $45,020,054.20                 98.34%       8.517%            356           81.00%           87.62%          622       41.68%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                      14              759,646.21                   1.66       11.744            309            99.47            99.47          631        44.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               1              $97,791.86                  0.21%       9.190%            356           69.50%           69.50%          500       50.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                               8            1,050,687.81                   2.30        8.879            341            61.32            61.32          512        35.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                               7            1,164,835.87                   2.54        9.407            356            83.21            83.21          538        44.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              26            3,912,211.74                   8.55        8.568            355            74.23            74.26          565        39.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                              45            7,399,687.51                  16.16        8.824            355            80.78            82.94          589        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                              63           10,364,460.15                  22.64        8.809            354            83.96            91.49          612        42.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                              47            9,484,441.83                  20.72        8.260            356            80.82            90.92          639        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              40            7,930,903.09                  17.32        8.421            355            84.22            93.61          662        42.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              24            4,245,222.15                   9.27        8.213            356            82.61            89.99          688        43.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              129,458.40                   0.28        8.200            356            80.00           100.00          765        12.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 765
Weighted Average: 622





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           16           $1,839,015.29                  4.02%       8.378%            351           76.78%           82.72%          620       13.60%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          11            1,565,844.17                   3.42        8.269            357            77.17            82.11          616        22.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          13            1,610,292.96                   3.52        8.570            351            79.90            88.42          626        27.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          21            3,287,524.74                   7.18        8.313            351            78.39            83.98          618        31.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          40            6,945,727.76                  15.17        8.759            356            80.28            83.90          609        37.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                          49            8,564,544.66                  18.71        8.516            355            80.46            88.35          626        42.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                          75           14,636,220.47                  31.97        8.619            355            83.55            91.66          626        47.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          37            7,330,530.36                  16.01        8.589            356            82.43            87.33          622        50.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                262          $45,779,700.41                100.00%       8.571%            355           81.31%           87.82%          622       41.74%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 3.00
Maximum: 53.00
Weighted Average: 41.74

Carrington Mortgage Loan Trust, Series 2007-RFC1
Seasoned greater than 5 Months

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 785
Aggregate Principal Balance ($): 156,082,768
Weighted Average Current Mortgage Rate (%): 8.284
Weighted Average Margin (%): 6.559
Weighted Average Maximum Rate (%): 14.508
Weighted Average Months to Roll: 28
Weighted Average Stated Original Term (months): 358
Weighted Average Stated Remaining Term (months): 353
Weighted Average Combined Original LTV (%): 85.64
% First Liens: 99.78
% Owner Occupied: 93.63
% Purchase: 31.37
% Full Documentation: 51.43
Non-Zero Weighted Average FICO Score: 610





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               11           $1,319,910.49                  0.85%       7.599%            175           60.80%           60.80%          637       33.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                2              266,376.00                   0.17        6.390            235            42.19            42.19          677        32.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               224           41,059,535.32                  26.31        8.804            355            81.84            85.69          592        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         56           15,067,968.14                   9.65        7.979            355            80.80            93.46          632        42.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          3            1,008,852.38                   0.65        8.580            355            91.88            92.70          604        31.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              153           22,000,294.97                  14.10        8.221            355            77.59            82.02          619        39.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         3              773,099.39                   0.50        7.537            355            84.63            87.63          643        38.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                81           15,110,578.66                   9.68        8.518            355            80.02            81.98          602        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         21            6,253,495.92                   4.01        7.188            355            79.98            87.88          635        44.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         128           33,179,732.78                  21.26        8.142            355            81.08            86.87          608        41.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          61           12,051,178.81                   7.72        7.966            355            81.22            86.90          615        43.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           4              924,438.00                   0.59        8.036            355            80.83            80.83          600        31.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            20            4,513,871.39                   2.89        7.925            355            75.46            78.39          622        37.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           6              878,901.91                   0.56        8.587            355            87.10            96.11          608        41.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           2              287,559.17                   0.18        7.149            354            80.00           100.00          648        32.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             7              633,284.60                   0.41        8.850            354            85.92            93.05          605        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           1              435,753.46                   0.28        8.325            355            80.00            80.00          616        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             1              154,642.43                   0.10        6.750            355            90.00            90.00          636        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1              163,294.18                   0.10        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           5           $1,393,028.03                  0.89%       5.887%            336           72.65%           79.68%          673       40.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          26            7,804,061.50                   5.00        6.287            349            74.07            79.09          647        41.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          67           17,282,786.17                  11.07        6.818            349            76.72            83.77          627        41.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          72           16,013,891.70                  10.26        7.312            355            78.70            87.75          626        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         128           28,260,120.02                  18.11        7.784            354            79.43            86.92          617        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         106           19,983,092.37                  12.80        8.268            353            80.37            85.82          622        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         145           27,237,310.52                  17.45        8.792            355            81.52            85.39          594        40.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          79           14,828,697.27                   9.50        9.297            354            84.94            87.21          589        40.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         73           11,204,729.97                   7.18        9.770            353            82.33            84.86          584        41.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        40            6,126,682.12                   3.93       10.275            353            85.67            87.52          581        42.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        24            3,769,906.21                   2.42       10.834            352            84.46            86.61          594        34.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        11            1,350,978.69                   0.87       11.222            355            79.27            79.27          563        37.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         7              630,006.35                   0.40       11.655            354            88.14            88.14          567        44.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         2              197,477.08                   0.13       12.305            355           100.00           100.00          606        46.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.775%
Maximum: 12.490%
Weighted Average: 8.284%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                        9             $413,840.36                  0.27%       9.624%            299           69.23%           69.23%          594       38.36%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                157           12,132,263.60                   7.77        9.271            348            79.95            84.19          598        36.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               192           23,720,127.58                  15.20        8.605            354            79.03            84.41          602        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               129           22,574,204.29                  14.46        8.075            355            81.22            86.43          612        40.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                94           20,673,061.38                  13.24        8.243            354            79.99            86.21          610        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                58           15,659,457.06                  10.03        8.284            352            78.00            83.38          609        43.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                48           15,305,973.28                   9.81        7.731            355            78.85            84.45          620        45.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                33           12,234,792.07                   7.84        8.306            349            81.75            85.86          604        43.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                25           10,678,390.68                   6.84        8.052            355            82.60            87.41          621        39.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                11            5,327,637.88                   3.41        8.240            355            85.12            88.75          616        41.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                14            7,332,702.69                   4.70        7.896            355            81.96            88.73          631        39.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                 4            2,270,816.58                   1.45        8.703            355            83.34            98.40          625        32.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 3            1,904,721.17                   1.22        7.552            355            76.09            81.20          596        45.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 4            2,704,010.92                   1.73        8.047            355            82.64            87.57          596        42.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 2            1,459,273.23                   0.93        7.088            355            75.61            75.61          591        46.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 2            1,691,495.23                   1.08        9.425            355            89.26            89.26          585        31.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $28,138.77
Maximum: $848,307.31
Weighted Average: $198,831.55





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              11           $1,319,910.49                  0.85%       7.599%            175           60.80%           60.80%          637       33.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               2              266,376.00                   0.17        6.390            235            42.19            42.19          677        32.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             772          154,496,481.51                  98.98        8.293            355            80.60            85.93          610        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 358





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              11           $1,319,910.49                  0.85%       7.599%            175           60.80%           60.80%          637       33.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               2              266,376.00                   0.17        6.390            235            42.19            42.19          677        32.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             772          154,496,481.51                  98.98        8.293            355            80.60            85.93          610        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 174
Maximum: 355
Weighted Average: 353





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2              $95,052.00                  0.06%       8.874%            203            7.41%            7.41%          571       48.88%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1               60,818.81                   0.04        8.675            355            19.30            19.30          690        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           4              342,834.48                   0.22        8.525            272            23.11            23.11          589        31.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           1               74,856.88                   0.05       10.770            355            30.00            30.00          535        30.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           1              255,867.30                   0.16        6.500            175            30.76            30.76          693        13.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           5              449,487.50                   0.29        8.981            355            37.64            37.64          598        42.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           6            1,234,683.12                   0.79        8.050            355            42.39            42.39          560        43.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           9            1,291,136.84                   0.83        7.793            334            47.96            47.96          632        40.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           8            1,678,399.47                   1.08        7.944            355            52.58            52.58          552        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          13            2,056,070.02                   1.32        8.065            355            58.29            58.29          587        37.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          29            4,867,538.00                   3.12        8.106            355            63.70            63.70          592        39.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          36            6,918,171.80                   4.43        7.835            355            68.65            68.65          603        41.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          62           13,278,527.24                   8.51        8.177            348            73.72            73.72          599        38.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         111           23,361,218.53                  14.97        8.131            354            79.48            79.48          602        42.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          84           17,091,917.47                  10.95        8.324            355            84.66            84.67          595        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         118           24,607,555.41                  15.77        8.818            354            89.58            89.61          603        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                          96           19,347,733.34                  12.40        8.750            353            91.12            94.74          620        40.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        199           39,070,899.79                  25.03        7.972            355            80.63            99.89          632        42.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 85.64%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           2              170,425.75                   0.11        9.010            355            90.12            95.00          614        44.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              154,349.37                   0.10        7.875            354            41.89            41.89          563        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           4              537,146.93                   0.34        7.702            354            73.45            77.36          608        39.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          15            4,529,263.67                   2.90        6.363            355            78.40            86.00          649        44.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          35            7,494,054.15                   4.80        7.199            355            78.46            84.88          615        43.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          80           20,281,533.57                  12.99        7.893            355            80.07            85.75          610        42.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         143           34,654,256.79                  22.20        8.176            355            82.02            88.96          609        41.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         104           22,195,259.02                  14.22        8.336            355            81.67            88.40          610        42.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          75           13,847,643.69                   8.87        8.732            355            79.82            83.37          597        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          94           17,378,830.09                  11.13        9.323            355            84.38            87.36          600        40.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          26            4,127,963.09                   2.64        9.655            355            79.84            83.36          573        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           4              524,063.35                   0.34       10.490            355            85.25            85.25          595        42.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           2              159,372.18                   0.10       10.435            355            87.34            87.34          599        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          2              305,128.80                   0.20       10.868            355            74.50            74.50          571        45.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.04       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 10.225%
Non-Zero Weighted Average: 6.559%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              154,349.37                   0.10        7.875            354            41.89            41.89          563        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           2              292,941.19                   0.19        7.562            353            68.00            68.00          612        36.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                           2              344,505.08                   0.22        7.933            353            73.26            82.52          613        35.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                           6              878,802.48                   0.56        8.698            355            79.83            79.83          579        48.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          13            3,112,712.83                   1.99        7.800            354            80.49            86.13          618        44.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          23            6,844,510.26                   4.39        6.663            355            79.40            85.12          640        44.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          47           12,132,399.73                   7.77        6.930            355            79.56            87.93          621        42.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          63           13,250,101.82                   8.49        7.487            355            79.59            89.04          621        41.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          92           22,717,434.65                  14.55        7.846            355            80.57            89.24          617        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          76           16,292,043.08                  10.44        8.267            355            80.57            85.07          621        42.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         103           21,092,639.36                  13.51        8.815            355            81.86            85.93          591        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          59           12,386,254.68                   7.94        9.283            355            85.71            87.80          587        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         58            9,420,723.12                   6.04        9.767            355            81.39            84.40          585        41.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        23            4,277,629.25                   2.74       10.243            355            86.69            87.32          575        44.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        14            2,228,849.64                   1.43       10.854            355            82.21            84.98          586        36.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         4              669,185.15                   0.43       11.167            355            79.55            79.55          563        37.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         2              326,207.04                   0.21       11.628            354            93.14            93.14          569        49.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.325%
Maximum: 11.750%
Non-Zero Weighted Average: 8.168%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         5            1,430,699.76                   0.92        6.618            355            80.25            87.09          667        43.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        18            5,663,790.88                   3.63        6.245            355            78.13            85.04          643        43.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        38            9,494,549.20                   6.08        6.840            355            79.79            87.55          617        42.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        48           11,392,092.41                   7.30        7.290            355            78.27            87.48          621        42.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        92           22,421,422.75                  14.37        7.701            355            79.61            89.45          620        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        75           15,664,057.83                  10.04        8.200            355            81.38            87.03          623        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       101           21,206,409.00                  13.59        8.679            355            81.91            85.59          597        41.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        56           10,465,738.08                   6.71        8.998            355            83.43            85.55          598        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        74           11,901,918.52                   7.63        9.369            355            81.25            84.90          584        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        43            9,260,532.51                   5.93        9.667            355            86.88            88.99          585        40.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        21            4,657,454.06                   2.98       10.290            355            81.57            82.80          574        39.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         9            1,505,434.76                   0.96       10.401            355            83.40            83.40          561        45.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         4              471,266.87                   0.30       10.974            355            79.73            80.63          590        48.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              619,922.10                   0.40       11.354            355            88.75            88.75          574        37.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.501 - 19.000                                                         1              266,000.00                   0.17       11.600            354            95.00            95.00          584        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.775%
Maximum: 18.600%
Non-Zero Weighted Average: 14.508%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   3              453,548.10                   0.29        9.041            355            75.86            91.03          644        39.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 585          125,967,740.63                  80.71        8.320            355            81.27            86.81          607        41.78
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.498%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 496          105,840,414.98                  67.81        8.233            355            81.36            87.37          610        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  91           20,245,436.13                  12.97        8.811            355            80.92            84.37          592        41.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.000                                                                   1              335,437.62                   0.21        6.990            355            65.00            65.00          691        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 2.000%
Non-Zero Weighted Average: 1.083%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            197          $29,661,479.27                 19.00%       8.120%            346           76.63%           80.59%          621       38.72%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                3              800,165.87                   0.51        8.563            352            77.06            77.06          593        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                              12            2,110,342.78                   1.35        8.944            353            83.76            86.86          590        37.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              78           16,242,890.22                  10.41        8.356            354            82.44            90.81          613        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           325           72,477,345.12                  46.44        8.420            355            81.33            86.95          604        41.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.05        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2009                                                               1               64,526.35                   0.04        8.625            353            80.00            80.00          530        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                              20            2,858,846.63                   1.83        8.183            354            82.23            94.13          611        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                           143           30,695,439.58                  19.67        8.046            355            80.28            84.10          614        42.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2011                                                               1              163,294.18                   0.10        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             4              924,438.00                   0.59        8.036            355            80.83            80.83          600        31.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      2             $407,538.24                  0.26%      10.662%            354           91.53%           91.53%          574       47.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     13            1,428,065.15                   0.91        9.369            355            82.28            84.66          600        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                      2              111,260.13                   0.07       10.123            354            85.39            85.39          598        43.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     34            6,485,178.52                   4.15        8.127            355            78.51            85.40          613        41.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    106           33,903,025.64                  21.72        7.667            353            77.83            84.06          621        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     11            1,884,122.40                   1.21        8.165            355            84.88            93.54          629        43.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     11            2,517,693.67                   1.61        7.626            355            79.71            83.57          603        42.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      5              786,678.67                   0.50        6.939            355            79.75            89.39          614        31.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    102           20,483,914.81                  13.12        8.459            355            81.37            86.95          598        40.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     16            2,557,849.43                   1.64        8.913            355            78.60            85.89          600        45.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

HI                                                                      2              801,848.65                   0.51        8.215            353            77.79            77.79          604        47.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                      3              329,333.36                   0.21        8.979            355            82.01            82.01          582        32.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     27            5,840,601.47                   3.74        8.835            355            81.76            86.28          602        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     15            1,755,225.54                   1.12        8.854            355            86.44            89.52          596        36.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      1              116,000.00                   0.07        7.995            354            80.00           100.00          581        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                      4              358,202.49                   0.23        9.003            355            84.99            84.99          597        29.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     10            1,346,059.55                   0.86        9.054            355            86.07            90.71          604        38.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     26            5,952,503.91                   3.81        8.487            353            80.33            82.15          601        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     29            8,122,585.76                   5.20        8.187            355            78.83            81.61          600        40.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      3              453,548.10                   0.29        9.041            355            75.86            91.03          644        39.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     36            3,490,841.76                   2.24        9.155            355            83.26            86.91          614        37.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     18            2,829,559.69                   1.81        8.730            355            82.85            89.52          623        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     11            1,072,229.09                   0.69        9.314            342            88.33            88.89          614        34.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                      5              548,649.31                   0.35        9.535            354            83.87            90.24          603        42.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     15            3,231,748.84                   2.07        9.085            354            86.91            92.63          590        39.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      1               48,285.96                   0.03        9.780            355            84.91            84.91          522        34.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                     16            2,802,017.49                   1.80        8.116            355            78.64            86.62          607        46.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     16            4,688,268.08                   3.00        8.763            355            79.67            82.10          621        41.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      2              168,062.58                   0.11        9.155            355            88.19            88.19          633        39.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                      6            1,705,145.30                   1.09        8.240            355            79.28            84.35          587        46.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     35            9,554,191.33                   6.12        7.900            344            77.88            80.11          619        43.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     41            4,768,589.36                   3.06        8.394            354            84.07            91.65          608        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                      2              279,256.93                   0.18        9.052            354            80.03            80.03          599        45.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                      6            1,108,954.84                   0.71        8.186            355            79.31            82.98          616        37.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     14            1,632,177.49                   1.05        9.185            355            85.48            90.16          590        35.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      9            2,022,435.82                   1.30        7.690            346            78.48            79.15          612        44.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                      2              398,803.50                   0.26        9.085            355            82.46            82.46          603        36.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                      3              452,994.01                   0.29        8.387            355            83.60            94.82          663        43.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                     62            9,154,690.25                   5.87        8.452            349            80.09            90.53          613        41.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                      8            1,583,105.38                   1.01        8.266            355            80.13            87.63          594        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     15            2,597,917.77                   1.66        8.514            355            79.70            84.13          606        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      6              845,392.58                   0.54        8.066            355            77.20            81.49          595        43.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     16            2,952,829.97                   1.89        7.716            355            83.60            89.41          637        40.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     14            2,188,774.20                   1.40        9.018            355            85.76            88.11          601        46.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      3              202,189.14                   0.13       10.087            355            90.00            90.00          583        36.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      1              114,421.84                   0.07        8.850            355            85.00            85.00          533        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 46





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    34           $6,109,256.79                  3.91%       9.036%            352           81.66%           82.05%          628       40.93%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     736          146,147,689.22                  93.63        8.227            353            80.07            85.66          609        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            15            3,825,821.99                   2.45        9.264            354            89.83            90.76          612        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              604         $116,049,303.48                 74.35%       8.230%            353           80.10%           84.86%          607       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           81           18,896,220.63                  12.11        8.334            355            81.54            89.75          613        42.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            40            9,684,256.90                   6.20        8.577            346            77.25            80.72          625        43.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  40            8,085,737.33                   5.18        8.443            353            83.74            92.89          627        42.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                      9            1,195,729.13                   0.77        8.518            355            78.30            80.34          591        42.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            6            1,103,220.39                   0.71        8.543            354            87.62            88.69          590        43.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    3              772,768.09                   0.50        9.010            354            84.51            91.38          605        35.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            2              295,532.05                   0.19        8.427            354            91.39            91.39          621        50.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              486          $99,047,415.90                 63.46%       8.222%            353           79.20%           81.44%          601       40.59%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              257           48,958,555.97                  31.37        8.451            355            82.97            94.25          626        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              42            8,076,796.13                   5.17        8.021            348            78.93            85.06          617        41.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               73          $15,894,132.50                 10.18%       8.044%            352           80.67%           85.93%          601       37.07%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    449           80,267,634.47                  51.43        8.043            352            80.15            85.47          604        41.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     18            3,722,348.40                   2.38        8.174            355            84.18            88.06          599        44.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  245           56,198,652.63                  36.01        8.703            355            80.34            85.65          621        41.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     197          $40,855,214.32                 26.18%       8.807%            354           80.71%           84.38%          606       42.16%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       1              230,271.92                   0.15       10.900            355            88.96            88.96          583        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     48           12,340,007.24                   7.91        8.110            345            78.53            81.16          614        42.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    298           60,154,655.79                  38.54        8.293            355            81.80            88.40          604        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      1              184,878.06                   0.12        7.325            355            80.00            95.00          629        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    239           42,197,425.17                  27.04        7.802            352            78.44            84.17          621        39.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      1              120,315.50                   0.08        9.000            355            95.00            95.00          640        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 27





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     781         $155,744,924.70                 99.78%       8.277%            353           80.33%           85.61%          610       41.20%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                       4              337,843.30                   0.22       11.494            355           100.00           100.00          645        37.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

less than or equal to 500                                               1              $96,293.71                  0.06%       9.250%            354           70.00%           70.00%          500       34.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              37            6,172,282.46                   3.95        9.385            355            68.47            68.47          512        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              60           10,418,782.94                   6.68        9.051            354            75.48            75.69          539        42.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                              87           17,050,629.40                  10.92        8.861            353            81.57            81.68          562        39.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             156           28,114,296.54                  18.01        8.442            352            83.48            89.15          589        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             177           37,467,965.45                  24.01        8.268            355            80.95            87.64          614        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             135           27,797,680.65                  17.81        7.941            354            81.25            87.68          638        42.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              82           17,031,348.92                  10.91        7.598            354            80.72            87.50          663        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              49           11,721,666.87                   7.51        7.653            343            77.25            87.06          686        40.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               1              211,821.06                   0.14        8.300            355            90.00            90.00          762        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 500
Maximum: 762
Weighted Average: 610





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           27           $5,191,295.58                  3.33%       8.496%            341           79.19%           83.36%          616       15.44%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          27            4,202,304.44                   2.69        8.745            355            78.73            85.44          601        21.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          51            8,795,236.99                   5.63        8.354            350            79.39            81.34          597        27.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          74           12,386,263.40                   7.94        8.194            355            80.47            83.68          613        32.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         133           24,623,725.66                  15.78        8.387            353            79.40            84.60          609        37.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         164           31,759,398.13                  20.35        8.195            354            80.45            86.52          613        42.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         195           42,299,692.89                  27.10        8.318            353            81.18            87.07          611        46.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         114           26,824,850.91                  17.19        8.144            355            80.64            86.11          608        50.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                785         $156,082,768.00                100.00%       8.284%            353           80.37%           85.64%          610       41.19%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 4.00
Maximum: 53.00
Weighted Average: 41.19

Carrington Mortgage Loan Trust, Series 2007-RFC1
In the State of Il, IN, MI, OH or PA

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 753
Aggregate Principal Balance ($): 105,504,745
Weighted Average Current Mortgage Rate (%): 8.822
Weighted Average Margin (%): 6.148
Weighted Average Maximum Rate (%): 14.990
Weighted Average Months to Roll: 27
Weighted Average Stated Original Term (months): 359
Weighted Average Stated Remaining Term (months): 355
Weighted Average Combined Original LTV (%): 86.90
% First Liens: 99.49
% Owner Occupied: 95.86
% Purchase: 30.71
% Full Documentation: 55.04
Non-Zero Weighted Average FICO Score: 607





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                                5             $281,665.14                  0.27%       8.730%            177           64.60%           64.60%          569       41.53%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                3              267,866.42                   0.25        7.720            237            53.33            53.33          624        32.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               300           41,309,553.12                  39.15        8.948            357            83.34            87.54          601        40.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                         14            2,753,191.99                   2.61        8.115            356            83.96            94.40          641        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          1               83,129.95                   0.08        9.200            355            85.00            95.00          605        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              205           23,776,658.72                  22.54        8.833            357            80.59            83.99          612        38.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         1              137,200.00                   0.13        8.500            358            80.00            80.00          640        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                             4              188,456.93                   0.18       12.629            177           100.00           100.00          646        45.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                                64            8,982,536.31                   8.51        8.900            357            84.93            88.47          595        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         10            1,686,843.14                   1.60        8.815            357            84.43            97.48          630        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                          70           12,693,587.85                  12.03        8.686            357            81.78            85.78          613        41.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          28            5,474,494.12                   5.19        8.700            356            82.70            86.66          610        43.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           3              694,714.62                   0.66        8.740            356            84.54            84.54          579        31.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            15            2,519,371.06                   2.39        8.692            356            82.99            86.58          605        35.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           6              685,640.32                   0.65        8.006            355            88.58            95.18          611        41.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 3YR-ARM                                                           2              323,661.00                   0.31        7.722            355            80.00           100.00          636        48.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             8              788,618.97                   0.75        8.646            355            86.00            94.59          601        34.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                           5              728,389.64                   0.69        8.572            357            79.62            86.21          596        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           3              676,799.90                   0.64        8.745            357            81.83            81.83          604        45.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           1              101,969.44                   0.10        8.625            357            85.00            85.00          536        43.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             3              891,102.48                   0.84        8.719            357            79.63            90.30          632        42.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 1              163,294.18                   0.15        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          1              296,000.00                   0.28        8.050            356            80.00           100.00          650        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           5             $621,165.81                  0.59%       6.397%            356           76.10%           86.55%          675       39.71%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          11            1,898,642.14                   1.80        6.877            352            76.91            84.18          641        42.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          23            3,302,962.04                   3.13        7.414            356            76.43            83.06          623        39.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         104           16,482,071.01                  15.62        7.837            355            79.31            86.31          630        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         123           20,072,059.72                  19.02        8.284            357            80.65            86.46          612        38.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         178           24,935,671.37                  23.63        8.804            355            84.15            87.34          603        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         122           16,067,458.42                  15.23        9.308            356            84.23            88.31          601        40.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        103           13,197,759.51                  12.51        9.806            356            84.17            86.14          585        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        39            4,727,281.77                   4.48       10.284            356            87.20            88.72          588        39.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        24            2,715,066.11                   2.57       10.706            356            82.64            84.20          578        37.67
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         5              658,978.58                   0.62       11.182            356            89.39            94.73          593        39.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         5              266,252.63                   0.25       11.822            356            97.30            97.30          622        44.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         5              285,719.61                   0.27       12.338            264            96.21            97.47          645        45.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         3              206,989.97                   0.20       12.877            357            85.63            85.63          592        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         1               20,587.25                   0.02       13.500            177           100.00           100.00          598        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         1               20,687.89                   0.02       13.750            177           100.00           100.00          597        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                         1               25,391.47                   0.02       14.375            358           100.00           100.00          594        33.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 6.320%
Maximum: 14.375%
Weighted Average: 8.822%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                       20             $702,267.11                  0.67%      10.898%            329           74.07%           74.07%          589       32.43%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                279           21,722,517.97                  20.59        9.115            353            80.71            83.71          594        36.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               222           27,519,076.50                  26.08        8.711            356            82.28            86.53          604        39.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                                94           16,234,292.01                  15.39        8.760            357            82.72            87.88          599        40.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                                60           13,342,157.46                  12.65        8.670            357            83.07            88.13          614        41.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                40           10,939,809.22                  10.37        8.688            357            86.06            91.67          630        41.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                16            5,211,851.41                   4.94        8.459            357            84.72            90.85          625        47.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                 8            3,039,694.85                   2.88        9.352            357            85.36            87.72          608        44.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                 8            3,363,837.28                   3.19        9.238            356            83.73            83.73          631        36.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                 3            1,449,287.07                   1.37        8.408            356            80.00            98.39          636        43.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                 1              549,537.75                   0.52        8.100            357            50.00            50.00          599        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 1              651,934.46                   0.62        8.990            356            90.00            90.00          572        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

750,000.01 - 800,000.00                                                 1              778,482.21                   0.74        8.200            357            78.00            78.00          578        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,843.79
Maximum: $778,482.21
Weighted Average: $140,112.54





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               9             $470,122.07                  0.45%      10.293%            177           78.79%           78.79%          600       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               3              267,866.42                   0.25        7.720            237            53.33            53.33          624        32.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             741          104,766,756.81                  99.30        8.818            357            82.62            87.02          607        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 359





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                               9             $470,122.07                  0.45%      10.293%            177           78.79%           78.79%          600       43.06%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               3              267,866.42                   0.25        7.720            237            53.33            53.33          624        32.66
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                             741          104,766,756.81                  99.30        8.818            357            82.62            87.02          607        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 177
Maximum: 358
Weighted Average: 355





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           2              $76,730.29                  0.07%       9.435%            310           14.29%           14.29%          572       34.84%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           1               59,918.84                   0.06        9.950            358            24.00            24.00          564        24.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           3              174,179.17                   0.17        9.937            306            29.49            29.49          552        33.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           3              239,499.16                   0.23        8.905            319            32.27            32.27          604        21.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           1               59,965.59                   0.06        9.400            357            37.04            37.04          543        20.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           6              651,524.39                   0.62        8.337            356            43.23            43.23          556        33.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                           9            1,388,050.97                   1.32        8.233            346            48.83            48.83          601        44.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                           4              359,156.90                   0.34        8.799            357            51.48            51.48          540        33.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          18            2,022,278.24                   1.92        8.385            356            57.99            57.99          576        33.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          18            1,946,205.08                   1.84        8.525            356            63.56            63.56          583        40.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          25            2,803,110.71                   2.66        8.969            352            68.84            68.84          578        37.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          45            6,702,525.22                   6.35        8.773            357            73.91            74.08          578        39.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                          90           12,873,174.50                  12.20        8.614            356            79.40            79.40          597        39.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          97           12,759,351.69                  12.09        8.951            355            83.94            84.16          593        38.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         159           22,050,807.28                  20.90        8.955            357            89.29            89.55          600        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         106           17,417,233.25                  16.51        9.102            356            92.75            94.53          621        41.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        166           23,921,034.02                  22.67        8.629            355            82.30            99.85          637        41.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 14.14%
Maximum: 100.00%
Weighted Average: 86.90%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               83,129.95                   0.08        9.200            355            85.00            95.00          605        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           2              406,038.75                   0.38        7.178            356            65.51            71.71          621        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           6              919,109.91                   0.87        7.679            357            77.21            84.03          621        39.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          16            2,389,173.67                   2.26        7.778            357            77.32            78.40          606        41.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          25            3,760,472.10                   3.56        8.136            357            83.13            85.72          608        38.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          70           10,861,252.52                  10.29        8.809            357            80.67            84.37          598        42.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         108           18,554,408.72                  17.59        8.817            357            84.08            88.13          611        42.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         113           17,474,642.04                  16.56        8.761            357            83.64            89.37          608        40.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          56            7,022,468.80                   6.66        8.803            356            84.79            92.52          609        38.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          47            6,554,677.24                   6.21        9.336            356            83.25            87.53          590        40.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          55            7,563,277.34                   7.17        9.298            356            86.18            90.44          602        37.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                           5              610,274.46                   0.58        9.580            356            88.63            92.16          579        43.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           2              233,314.43                   0.22        9.779            356            82.56            82.56          582        47.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1               74,538.63                   0.07       10.190            355            90.00            90.00          653        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          2              147,027.02                   0.14       11.484            355            57.00            59.45          583        37.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 9.715%
Non-Zero Weighted Average: 6.148%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.001 - 3.500                                                           1              154,349.37                   0.15        7.875            354            41.89            41.89          563        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           4              668,961.35                   0.63        7.979            357            80.02            86.34          617        39.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           9            1,131,366.15                   1.07        7.802            357            81.85            81.85          594        36.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          16            2,318,490.70                   2.20        8.126            358            85.47            87.70          604        40.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          28            3,392,174.87                   3.22        8.703            357            81.79            83.67          594        41.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          28            3,774,262.64                   3.58        9.134            357            82.57            84.04          585        43.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          30            3,599,851.06                   3.41        8.952            357            87.18            91.79          613        42.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          23            2,611,118.29                   2.47        8.108            357            82.48            87.77          603        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          21            2,886,444.88                   2.74        8.237            356            81.63            86.25          605        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                          47            8,166,542.77                   7.74        7.930            356            81.16            90.97          638        40.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          62           11,875,956.53                  11.26        8.264            357            81.69            88.22          618        39.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                          95           15,303,586.17                  14.51        8.814            356            84.54            88.69          601        40.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                          55            8,083,564.34                   7.66        9.287            356            83.42            87.46          596        40.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                         55            8,062,309.95                   7.64        9.813            356            84.32            87.18          589        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        19            2,730,304.90                   2.59       10.275            356            87.88            89.52          603        40.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        10            1,163,372.89                   1.10       10.770            356            77.96            81.60          574        44.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         5              658,978.58                   0.62       11.182            356            89.39            94.73          593        39.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.07       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.325%
Maximum: 12.225%
Non-Zero Weighted Average: 8.102%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         3              358,546.87                   0.34        6.379            356            79.99            98.10          681        43.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                         5              824,894.08                   0.78        6.883            356            77.16            85.60          627        44.85
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        13            2,261,149.61                   2.14        7.393            356            77.80            83.70          622        38.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                        61            9,765,987.62                   9.26        7.771            357            80.64            88.88          625        41.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                        64           11,213,459.53                  10.63        8.301            357            82.26            87.72          605        39.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       111           17,362,843.23                  16.46        8.738            356            84.38            87.98          606        40.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                        96           13,837,124.84                  13.12        9.031            357            83.39            87.27          603        41.29
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                        88           12,680,886.62                  12.02        9.544            357            85.43            88.46          593        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        35            4,787,431.65                   4.54        9.870            356            85.86            89.69          601        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        22            2,141,868.20                   2.03       10.314            356            79.94            83.05          576        39.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                         8              858,522.19                   0.81       10.732            356            82.99            90.00          600        37.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         1              199,425.29                   0.19       10.800            357            70.00            70.00          526        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         2              361,665.85                   0.34       11.405            355            91.84            92.84          600        36.20
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 12.320%
Maximum: 18.225%
Non-Zero Weighted Average: 14.990%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                   7              827,596.24                   0.78       10.083            356            83.95            89.12          593        38.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 502           75,826,209.34                  71.87        8.808            357            83.24            87.86          605        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.495%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 456           68,147,154.80                  64.59        8.850            357            83.42            88.05          604        40.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                  53            8,506,650.78                   8.06        8.595            356            81.82            86.43          613        41.30
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.055%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            244          $28,850,939.72                 27.35%       8.824%            353           80.64%           84.31%          612       38.11%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2008                                                                1              116,067.99                   0.11        8.640            352            95.00            95.00          615        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               3              360,424.73                   0.34        8.800            353            82.26            82.26          552        42.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              11            1,408,277.22                   1.33        8.523            354            81.56            85.11          581        43.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                            55            7,354,947.41                   6.97        8.840            355            84.80            89.67          614        39.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                         87           13,143,130.08                  12.46        8.884            356            81.87            88.16          601        40.51
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          188           28,204,491.39                  26.73        8.820            357            82.37            86.49          604        41.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          51            7,666,154.05                   7.27        8.872            358            86.01            89.12          619        39.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

May 2009                                                                1               84,000.00                   0.08        9.325            352            80.00           100.00          633        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2009                                                               1               64,526.35                   0.06        8.625            353            80.00            80.00          530        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               5              652,973.25                   0.62        8.071            354            80.04            97.16          608        41.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            16            2,384,754.42                   2.26        9.230            355            82.49            87.54          592        42.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         16            3,120,953.02                   2.96        8.790            356            85.89            91.62          610        46.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           52            8,783,338.87                   8.33        8.808            357            83.78            86.72          609        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          16            2,053,788.56                   1.95        8.493            358            84.95            91.43          591        38.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2011                                                               1              163,294.18                   0.15        7.750            354            80.00           100.00          609        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             1              379,093.08                   0.36        9.050            355            80.00            80.00          571        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          2              431,775.02                   0.41        8.283            356            83.14            96.86          622        38.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                            2              281,815.96                   0.27        8.258            357            88.19            88.19          583        42.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                    197          $36,004,186.87                 34.13%       8.797%            355           81.91%           86.11%          609       41.61%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                    110           12,835,490.92                  12.17        8.838            356            85.00            87.81          607        36.53
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                    182           23,028,784.81                  21.83        8.959            356            82.48            88.72          611        39.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                    123           14,101,547.39                  13.37        8.759            356            83.32            88.60          604        40.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                    141           19,534,735.31                  18.52        8.743            354            81.56            84.36          600        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 5





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    39           $3,880,544.84                  3.68%       8.995%            353           79.95%           80.69%          628       40.57%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                     708          101,133,888.63                  95.86        8.814            356            82.61            87.11          606        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                             6              490,311.83                   0.46        9.195            356            87.47            92.09          639        46.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                              642          $87,124,112.18                 82.58%       8.852%            355           82.74%           86.75%          605       39.53%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            38            6,599,352.91                   6.26        8.706            356            79.42            83.23          615        44.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                           27            4,590,853.66                   4.35        8.459            354            82.17            87.69          608        39.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  22            3,805,129.09                   3.61        8.785            356            82.21            94.03          631        42.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     19            2,501,669.64                   2.37        8.830            357            84.01            86.24          594        42.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family Detached - Site Condo                                     3              604,486.46                   0.57        8.852            358            86.71            96.97          633        42.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            1              175,374.33                   0.17        8.650            357            80.50            99.68          652        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                            1              103,767.03                   0.10        8.250            358            79.92            79.92          628        41.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              397          $57,341,095.64                 54.35%       8.821%            355           81.86%           83.51%          597       40.56%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                              236           32,403,863.75                  30.71        8.951            355            84.63            94.23          623        39.80
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                             120           15,759,785.91                  14.94        8.563            356            80.68            84.17          609        38.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               35           $5,336,441.84                  5.06%       8.824%            353           85.53%           88.43%          596       40.64%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    466           58,074,716.27                  55.04        8.655            355            82.09            85.59          594        39.79
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     19            2,278,747.90                   2.16        8.915            352            84.33            86.75          568        42.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  233           39,814,839.29                  37.74        9.060            356            82.67            88.61          629        40.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     256          $41,890,182.95                 39.70%       8.906%            355           81.89%           85.34%          608       40.47%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     18            2,322,392.48                   2.20        8.389            357            77.68            80.74          602        40.69
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    254           34,286,409.93                  32.50        8.831            356            83.63            88.28          603        39.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    218           26,470,182.79                  25.09        8.725            355            82.74            88.24          612        39.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                      7              535,577.15                   0.51        8.393            340            73.41            80.50          610        38.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 29





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                     740         $104,971,365.86                 99.49%       8.804%            356           82.44%           86.83%          607       40.03%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                      13              533,379.44                   0.51       12.450            294           100.00           100.00          642        43.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              37           $3,931,628.37                  3.73%       9.225%            357           72.83%           72.91%          514       40.33%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              77            9,045,168.10                   8.57        9.390            353            77.70            78.02          539        41.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             105           12,200,784.76                  11.56        9.216            356            81.94            82.09          564        38.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             142           19,822,683.88                  18.79        8.860            355            82.70            85.96          588        40.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             153           24,206,817.49                  22.94        8.753            356            84.09            89.12          613        40.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             117           17,112,730.09                  16.22        8.614            354            83.77            90.58          638        39.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                              81           12,537,244.06                  11.88        8.602            355            83.80            91.99          662        39.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                              41            6,647,688.55                   6.30        8.179            357            84.20            91.73          686        40.97
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 501
Maximum: 699
Weighted Average: 607





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           72           $8,756,041.74                  8.30%       8.877%            356           80.62%           83.44%          607       14.07%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          46            4,373,659.08                   4.15        8.763            355            74.98            79.15          597        22.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          51            6,076,896.40                   5.76        8.802            356            79.67            83.64          612        27.26
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                          82           11,909,172.20                  11.29        8.749            356            83.70            86.29          607        32.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                          96           13,233,087.19                  12.54        8.758            356            81.24            86.68          605        37.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         139           18,841,052.33                  17.86        8.838            355            83.90            87.36          606        41.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         186           29,078,406.87                  27.56        8.854            355            83.61            88.95          611        47.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                          81           13,236,429.49                  12.55        8.852            355            83.54            88.84          601        50.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                                753         $105,504,745.30                100.00%       8.822%            355           82.53%           86.90%          607       40.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 54.00
Weighted Average: 40.05

Carrington Mortgage Loan Trust, Series 2007-RFC1
First Time Homebuyer

1. Summary Statistics

Cut-Off Date: 1/1/2007
Number of Mortgage Loans: 1,564
Aggregate Principal Balance ($): 260,455,372
Weighted Average Current Mortgage Rate (%): 8.629
Weighted Average Margin (%): 6.348
Weighted Average Maximum Rate (%): 14.818
Weighted Average Months to Roll: 26
Weighted Average Stated Original Term (months): 358
Weighted Average Stated Remaining Term (months): 355
Weighted Average Combined Original LTV (%): 91.54
% First Liens: 97.24
% Owner Occupied: 97.74
% Purchase: 74.82
% Full Documentation: 44.91
Non-Zero Weighted Average FICO Score: 621





2. Product Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Product Type                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15 Fixed                                                               11             $628,432.04                  0.24%       8.914%            177           58.47%           58.88%          604       35.95%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20 Fixed                                                                3              190,152.57                   0.07        7.888            237            45.11            45.11          610        29.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM                                                               541           81,042,407.40                  31.12        8.909            357            82.88            91.10          610        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 10YR-IO                                                         1              212,000.00                   0.08        8.550            357            80.00           100.00          644        48.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 2YR-IO                                                          1              138,000.00                   0.05        8.860            357            80.00            80.00          562        51.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM 5YR-IO                                                        155           37,809,420.76                  14.52        8.007            357            81.20            97.41          638        41.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2YR-ARM Recast                                                          1              212,618.55                   0.08        8.050            357            80.00           100.00          597        50.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed                                                              318           32,492,851.30                  12.48        9.142            357            81.84            87.11          619        38.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30 Fixed 5YR-IO                                                         4              930,520.00                   0.36        8.625            357            80.00           100.00          637        43.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30/15 Fixed                                                            41            2,179,324.32                   0.84       11.972            177            99.50            99.50          647        43.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM                                                               113           17,315,136.67                   6.65        8.774            357            82.60            88.16          605        39.33
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3YR-ARM 5YR-IO                                                         16            3,116,450.39                   1.20        8.382            357            81.49            93.71          636        38.16
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 2YR-ARM                                                         234           56,187,598.03                  21.57        8.369            356            82.64            92.40          625        41.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 3YR-ARM                                                          39            9,625,785.04                   3.70        8.442            356            84.00            88.93          624        41.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 5YR-ARM                                                           9            1,584,974.63                   0.61        7.968            356            81.73            85.11          623        32.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40/30 Fixed                                                            26            5,322,518.33                   2.04        8.377            356            76.28            84.49          614        44.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 2YR-ARM                                                           9            1,518,976.29                   0.58        8.608            355            81.50            90.09          616        43.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45/30 Fixed                                                             3              319,950.71                   0.12        8.409            355            78.81           100.00          607        30.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 2YR-ARM                                                          17            4,176,427.36                   1.60        7.970            357            80.42            96.28          650        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 3YR-ARM                                                           5            1,577,155.76                   0.61        8.613            357            84.16            92.30          643        43.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 5YR-ARM                                                           1              135,773.39                   0.05        7.625            357            90.00            90.00          561        31.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50/30 Fixed                                                             6            1,492,730.76                   0.57        7.688            357            81.94            92.21          654        39.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM                                                                 3              496,147.53                   0.19        8.010            357            83.72            92.09          588        47.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 10YR-IO                                                         1              332,500.00                   0.13        8.950            357            95.00            95.00          641        52.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5YR-ARM 5YR-IO                                                          6            1,417,520.00                   0.54        7.632            357            80.00           100.00          637        30.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





3. Current Gross Mortgage Rate (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Mortgage Rate (%)                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                           1             $333,948.69                  0.13%       5.990%            355           80.00%          100.00%          674       44.00%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                           7            1,301,919.33                   0.50        6.342            356            74.61            92.43          638        37.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          47           12,162,778.88                   4.67        6.830            356            77.14            87.68          641        38.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          97           23,554,935.29                   9.04        7.334            355            79.03            91.88          635        40.12
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         247           54,548,182.16                  20.94        7.803            357            79.97            93.49          638        40.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         238           43,176,179.28                  16.58        8.272            356            80.02            90.16          622        40.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         273           43,743,905.67                  16.80        8.799            356            82.73            91.56          619        39.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         183           29,074,050.89                  11.16        9.293            356            84.67            90.34          605        42.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        198           25,830,266.46                   9.92        9.776            355            85.91            90.51          592        37.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        83           11,243,646.45                   4.32       10.282            356            87.48            91.77          597        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        67            8,220,079.29                   3.16       10.773            354            86.12            91.79          594        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                        29            2,149,310.33                   0.83       11.308            315            94.48            96.12          628        43.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                        36            2,239,861.64                   0.86       11.765            325            97.53            97.64          625        43.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                        33            1,744,612.93                   0.67       12.269            299            98.22            98.43          636        42.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        16              865,720.72                   0.33       12.816            280            99.98            99.98          630        45.94
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                         4              108,932.16                   0.04       13.441            269           100.00           100.00          603        41.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                         5              157,041.66                   0.06       13.750            177           100.00           100.00          592        46.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 5.990%
Maximum: 13.750%
Weighted Average: 8.629%





4. Current Unpaid Principal Balance ($)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Unpaid Principal Balance ($)                                Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.01 - 50,000.00                                                      121           $3,968,871.14                  1.52%      10.852%            312           84.07%           84.07%          610       39.07%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50,000.01 - 100,000.00                                                367           28,346,409.82                  10.88        9.450            347            81.24            87.03          602        37.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

100,000.01 - 150,000.00                                               413           51,571,267.42                  19.80        8.871            356            81.91            91.33          613        39.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

150,000.01 - 200,000.00                                               240           42,339,733.49                  16.26        8.627            356            82.57            91.81          615        39.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

200,000.01 - 250,000.00                                               151           33,849,614.41                  13.00        8.573            357            82.16            90.58          616        42.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

250,000.01 - 300,000.00                                                83           22,669,747.90                   8.70        8.399            357            81.65            90.78          625        41.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

300,000.01 - 350,000.00                                                65           20,995,894.30                   8.06        8.224            357            82.93            92.67          630        42.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

350,000.01 - 400,000.00                                                39           14,454,994.07                   5.55        8.164            357            83.98            95.13          628        45.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

400,000.01 - 450,000.00                                                31           13,134,035.66                   5.04        8.194            357            83.49            94.16          640        40.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

450,000.01 - 500,000.00                                                23           10,994,954.13                   4.22        7.726            357            81.89            95.75          638        41.96
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

500,000.01 - 550,000.00                                                11            5,754,573.65                   2.21        7.914            357            81.22            93.89          662        43.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

550,000.01 - 600,000.00                                                13            7,492,065.78                   2.88        8.186            356            80.92            97.85          656        39.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

600,000.01 - 650,000.00                                                 2            1,251,919.95                   0.48        9.524            357            94.83            94.83          630        30.34
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

650,000.01 - 700,000.00                                                 2            1,326,042.75                   0.51        7.322            356            80.00            90.05          622        34.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

700,000.01 - 750,000.00                                                 2            1,462,059.44                   0.56        9.134            356            84.09            84.09          592        35.89
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

800,000.01 - 850,000.00                                                 1              843,187.92                   0.32        9.500            355            89.93            89.93          619        35.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: $19,843.79
Maximum: $843,187.92
Weighted Average: $166,531.57





5. Original Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Original Term (months)                                              Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              52           $2,807,756.36                  1.08%      11.287%            177           90.32%           90.41%          638       41.53%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               3              190,152.57                   0.07        7.888            237            45.11            45.11          610        29.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,509          257,457,462.90                  98.85        8.600            357            82.25            91.59          620        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 180
Maximum: 360
Weighted Average: 358





6. Remaining Term (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Remaining Term (months)                                             Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

121 - 180                                                              52           $2,807,756.36                  1.08%      11.287%            177           90.32%           90.41%          638       41.53%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

181 - 240                                                               3              190,152.57                   0.07        7.888            237            45.11            45.11          610        29.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

301 - 360                                                           1,509          257,457,462.90                  98.85        8.600            357            82.25            91.59          620        40.48
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 176
Maximum: 358
Weighted Average: 355





7. Combined Loan-to-Value Ratio (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Combined Loan-to-Value Ratio (%)                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.01 - 10.00                                                            2             $114,548.64                  0.04%       8.481%            310            8.84%            8.84%          558       38.79%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.01 - 15.00                                                           3              143,589.44                   0.06        8.506            333            13.03            13.03          609        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.01 - 20.00                                                           1               90,870.24                   0.03        9.700            357            18.20            18.20          566        28.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.01 - 25.00                                                           6              389,489.46                   0.15        9.429            357            22.39            22.39          519        31.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.01 - 30.00                                                           4              199,204.74                   0.08        9.249            313            27.82            27.82          531        27.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.01 - 35.00                                                           6              448,992.06                   0.17        7.604            337            32.08            32.08          604        35.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.01 - 40.00                                                           7              527,923.65                   0.20        8.816            340            37.56            37.56          563        17.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.01 - 45.00                                                           4              360,278.45                   0.14        7.978            357            44.38            44.38          617        34.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.01 - 50.00                                                          12            1,087,250.87                   0.42        8.365            323            48.09            48.09          589        35.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.01 - 55.00                                                          14            1,785,458.31                   0.69        8.089            357            51.90            51.90          582        38.44
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

55.01 - 60.00                                                          38            4,692,470.89                   1.80        8.330            356            58.39            58.39          592        36.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60.01 - 65.00                                                          26            4,326,712.32                   1.66        8.340            353            63.44            63.44          584        40.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

65.01 - 70.00                                                          29            3,915,678.13                   1.50        8.286            353            69.17            69.17          606        37.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

70.01 - 75.00                                                          34            4,759,647.17                   1.83        8.583            356            73.95            74.20          587        38.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

75.01 - 80.00                                                         135           24,939,568.79                   9.58        8.443            356            79.45            79.49          605        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

80.01 - 85.00                                                          99           16,634,608.32                   6.39        8.743            357            84.06            84.43          590        39.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

85.01 - 90.00                                                         212           37,174,881.81                  14.27        9.049            357            89.51            89.69          599        38.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

90.01 - 95.00                                                         153           27,517,413.89                  10.57        9.080            355            93.60            94.77          625        40.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

95.01 - 100.00                                                        779          131,346,784.65                  50.43        8.478            354            82.00            99.94          638        41.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 7.03%
Maximum: 100.00%
Weighted Average: 91.54%





8. Current Gross Margin (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Current Gross Margin (%)                                            Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2.501 - 3.000                                                           1               87,295.80                   0.03        8.830            355            95.00            95.00          622        47.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           7            1,206,658.62                   0.46        6.804            357            68.01            78.96          627        35.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                          13            2,022,636.09                   0.78        7.518            357            71.99            80.96          619        42.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          49           10,360,853.40                   3.98        7.785            357            81.43            90.53          625        38.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                         124           22,117,091.21                   8.49        8.133            357            79.72            91.71          621        39.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                         200           36,331,271.20                  13.95        8.339            357            82.05            93.43          625        39.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                         305           64,462,965.31                  24.75        8.349            357            82.65            93.69          621        41.25
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                         194           35,735,923.01                  13.72        8.614            356            82.64            92.00          623        41.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                         107           17,152,249.66                   6.59        9.294            356            85.05            92.61          607        40.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         130           24,354,876.92                   9.35        9.284            356            84.54            91.04          617        41.09
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                          12            1,812,808.40                   0.70        9.682            355            82.42            87.57          593        41.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                           5              580,003.13                   0.22       10.605            356            96.23            96.23          613        47.49
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                           1              170,709.48                   0.07       10.250            356            95.00            95.00          628        23.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                          3              441,551.29                   0.17       11.353            355            88.64            89.46          585        48.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                         1               61,998.28                   0.02       11.475            355            90.00            90.00          594        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.000%
Maximum: 10.225%
Non-Zero Weighted Average: 6.348%





9. Minimum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Minimum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

3.501 - 4.000                                                           3              336,378.99                   0.13        7.016            357            59.26            59.26          594        35.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.001 - 4.500                                                           9            1,385,035.20                   0.53        7.672            357            66.58            74.43          617        44.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4.501 - 5.000                                                          32            6,970,313.07                   2.68        7.855            357            81.30            90.31          619        41.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.001 - 5.500                                                          52            8,446,480.39                   3.24        8.466            357            78.44            86.76          603        42.38
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5.501 - 6.000                                                          57            8,528,306.68                   3.27        8.681            357            82.95            92.87          606        43.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.001 - 6.500                                                          48            7,034,296.97                   2.70        8.884            357            86.36            91.83          606        41.76
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6.501 - 7.000                                                          67           12,578,258.67                   4.83        7.678            356            80.97            90.23          627        39.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.001 - 7.500                                                          90           22,052,905.98                   8.47        7.740            356            83.32            95.10          632        39.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7.501 - 8.000                                                         181           43,425,634.67                  16.67        7.828            357            80.64            95.66          643        40.90
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.001 - 8.500                                                         144           27,924,033.99                  10.72        8.249            356            80.96            91.75          627        41.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8.501 - 9.000                                                         167           28,964,426.34                  11.12        8.827            357            83.55            92.25          621        38.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.001 - 9.500                                                         104           19,702,911.66                   7.56        9.286            356            85.25            91.05          609        42.24
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.501 - 10.000                                                        107           16,806,727.21                   6.45        9.779            356            85.53            91.29          591        38.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.001 - 10.500                                                        44            6,887,088.56                   2.64       10.257            356            86.10            92.15          598        41.27
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10.501 - 11.000                                                        37            5,104,148.72                   1.96       10.765            357            82.29            90.76          585        42.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         8              619,567.52                   0.24       11.235            356            84.24            89.92          584        44.23
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1               60,207.04                   0.02       11.750            355            84.93            84.93          502        49.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         1               72,170.14                   0.03       12.225            356            85.00            90.00          633        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 3.725%
Maximum: 12.225%
Non-Zero Weighted Average: 7.988%





10. Maximum Mortgage Rates (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Maximum Mortgage Rates (%)                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.001 - 11.500                                                         1              195,349.68                   0.08        8.250            358            80.00           100.00          600        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.501 - 12.000                                                         1              333,948.69                   0.13        5.990            355            80.00           100.00          674        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.001 - 12.500                                                         6              915,966.52                   0.35        6.669            356            81.13            96.58          626        36.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.501 - 13.000                                                        21            4,377,534.35                   1.68        6.886            356            75.81            86.44          635        40.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.001 - 13.500                                                        40           10,512,215.83                   4.04        7.265            356            78.25            89.60          629        39.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

13.501 - 14.000                                                       164           38,078,188.00                  14.62        7.717            357            80.27            92.64          637        41.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.001 - 14.500                                                       183           36,460,050.06                  14.00        8.015            357            80.45            92.08          626        41.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

14.501 - 15.000                                                       241           44,770,523.91                  17.19        8.436            357            82.66            93.83          629        40.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.001 - 15.500                                                       160           28,559,726.03                  10.97        8.916            357            84.97            91.55          612        42.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

15.501 - 16.000                                                       161           25,299,348.19                   9.71        9.440            357            84.49            92.57          599        37.46
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.001 - 16.500                                                        80           14,281,908.91                   5.48        9.778            356            87.14            93.65          607        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

16.501 - 17.000                                                        65            9,328,976.93                   3.58       10.333            357            85.32            92.80          595        40.82
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.001 - 17.500                                                        19            2,337,043.07                   0.90       10.570            356            84.31            87.52          580        39.60
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

17.501 - 18.000                                                         7            1,164,843.78                   0.45       10.924            356            83.94            83.94          552        45.47
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

18.001 - 18.500                                                         3              283,267.85                   0.11       12.161            356            96.18            97.45          627        44.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 11.250%
Maximum: 18.225%
Non-Zero Weighted Average: 14.818%





11. Initial Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Initial Cap (%)                                                     Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                  20            2,898,727.71                   1.11        9.459            356            82.00            93.82          615        44.63
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                               1,132          214,000,164.09                  82.16        8.518            357            82.48            92.36          621        40.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.493%





12. Periodic Cap (%)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Periodic Cap (%)                                                    Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.000                                                                 976          173,942,839.71                  66.78        8.623            357            82.52            91.53          618        40.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.500                                                                 176           42,956,052.09                  16.49        8.160            357            82.30            95.81          629        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Non-Zero Minimum: 1.000%
Maximum: 1.500%
Non-Zero Weighted Average: 1.099%





13. Months to Initial Interest Rate Adjustment

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Months to Initial Interest Rate Adjustment                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fixed Rate                                                            412          $43,556,480.03                 16.72%       9.115%            345           81.49%           87.37%          621       39.22%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

June 2008                                                               2              336,205.04                   0.13        9.113            353            79.99            84.82          546        43.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2008                                                              35            6,021,732.00                   2.31        8.151            354            81.04            95.63          620        41.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2008                                                           110           22,769,549.88                   8.74        8.412            355            83.28            92.70          623        41.50
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2008                                                        185           33,233,441.49                  12.76        8.796            356            81.22            92.66          623        41.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2008                                                          544          105,528,057.25                  40.52        8.474            357            82.69            93.29          621        41.01
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2008                                                          83           13,408,462.73                   5.15        8.639            358            81.92            90.37          617        38.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

July 2009                                                               2              337,441.21                   0.13        8.244            354            80.00           100.00          604        44.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2009                                                            31            5,481,050.79                   2.10        8.777            355            83.64            87.96          608        43.22
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2009                                                         23            5,234,694.12                   2.01        8.908            356            87.08            93.13          631        42.37
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2009                                                           97           18,046,801.56                   6.93        8.499            357            82.33            89.09          618        38.91
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

November 2009                                                          20            2,534,540.18                   0.97        8.675            358            78.25            82.41          586        37.64
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

August 2011                                                             2              370,149.38                   0.14        7.310            355            77.98            77.98          610        36.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

September 2011                                                          2              634,975.02                   0.24        8.326            356            82.14            97.86          627        37.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

October 2011                                                           16            2,961,791.15                   1.14        7.914            357            83.48            92.89          624        34.40
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





14. State

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
State                                                               Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AK                                                                      3             $416,995.51                  0.16%       8.331%            357           88.01%           88.01%          636       46.57%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AL                                                                     40            4,239,508.99                   1.63        9.307            356            85.52            89.75          593        34.59
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AR                                                                     11            1,048,138.73                   0.40        9.431            357            84.81            92.75          591        34.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AZ                                                                     62           11,444,253.68                   4.39        8.250            355            82.29            92.26          625        39.31
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CA                                                                    171           51,211,104.73                  19.66        8.131            354            81.49            92.69          636        41.77
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CO                                                                     30            4,706,491.45                   1.81        8.226            357            81.51            90.94          622        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

CT                                                                     13            2,408,362.58                   0.92        8.344            357            83.47            94.60          614        37.87
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

DE                                                                      9            1,880,156.20                   0.72        8.722            354            84.49            98.85          618        40.05
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

FL                                                                    187           33,698,243.80                  12.94        8.621            354            80.43            89.14          618        41.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

GA                                                                     61            7,812,880.50                   3.00        9.145            354            83.01            93.88          610        41.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IA                                                                     11              909,109.21                   0.35        9.653            357            83.75            87.94          617        40.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ID                                                                      3              373,923.55                   0.14        8.305            357            82.34            94.01          625        34.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IL                                                                     50            9,325,053.79                   3.58        8.843            354            84.26            92.63          617        42.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

IN                                                                     39            3,422,384.60                   1.31        9.156            353            86.37            90.87          596        34.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KS                                                                      8              677,931.00                   0.26        9.488            357            77.61            78.13          624        38.35
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

KY                                                                     19            2,128,764.15                   0.82        8.598            354            84.64            88.54          605        39.04
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

LA                                                                     29            3,348,461.69                   1.29        9.479            356            84.45            88.73          594        39.73
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MA                                                                     15            3,205,547.23                   1.23        8.612            356            79.10            83.58          608        39.55
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MD                                                                     33            7,460,030.28                   2.86        8.299            357            80.61            89.92          632        38.13
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ME                                                                      8              998,418.87                   0.38        8.573            357            83.46            97.03          635        41.28
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MI                                                                     60            6,993,155.78                   2.68        9.310            355            82.38            92.81          617        39.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MN                                                                     25            3,967,329.98                   1.52        8.919            357            82.66            92.41          615        39.10
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MO                                                                     32            3,398,379.48                   1.30        9.089            355            83.21            89.71          610        38.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MS                                                                     18            1,975,715.11                   0.76        9.452            357            86.49            87.55          602        42.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MT                                                                      1              158,083.95                   0.06        9.490            356            90.00            90.00          601        19.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NC                                                                     36            4,801,742.87                   1.84        9.078            354            84.41            95.58          607        39.21
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

ND                                                                      1               53,731.74                   0.02       10.250            357            94.97            94.97          588        40.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NE                                                                      7              769,364.44                   0.30        9.756            352            90.12            92.57          601        43.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NH                                                                     12            1,790,250.57                   0.69        8.893            347            82.94            92.47          632        43.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NJ                                                                     33            8,630,671.86                   3.31        8.761            357            84.32            89.33          622        39.03
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NM                                                                      8            1,390,141.58                   0.53        9.259            357            91.05            95.80          633        36.32
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NV                                                                     21            4,531,274.86                   1.74        8.368            355            81.01            92.03          633        37.54
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

NY                                                                     52           14,023,272.07                   5.38        8.322            351            80.51            90.48          636        44.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OH                                                                     43            4,155,214.55                   1.60        8.830            356            83.72            92.84          603        38.74
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OK                                                                     14            1,301,065.90                   0.50        8.979            347            85.41            90.67          627        32.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

OR                                                                     17            3,365,308.21                   1.29        8.635            355            83.21            96.88          622        40.75
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

PA                                                                     37            4,433,054.75                   1.70        9.041            355            83.75            88.53          602        38.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

RI                                                                      7            1,417,624.45                   0.54        8.862            356            80.13            88.51          595        35.36
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

SC                                                                     22            2,899,389.41                   1.11        9.343            355            85.44            93.92          605        39.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TN                                                                     35            3,840,012.87                   1.47        8.819            356            84.06            94.01          609        34.71
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

TX                                                                    167           19,823,761.08                   7.61        8.879            355            82.49            93.02          613        39.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

UT                                                                     24            3,177,207.75                   1.22        8.564            352            82.77            91.74          629        40.57
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VA                                                                     22            3,126,947.86                   1.20        8.536            349            79.42            88.15          617        43.02
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

VT                                                                      2              298,495.83                   0.11        8.187            355            84.97            84.97          599        38.07
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WA                                                                     26            4,489,853.93                   1.72        8.465            355            83.75            92.47          616        43.81
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WI                                                                     37            4,537,277.81                   1.74        8.685            356            80.50            90.96          611        40.15
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WV                                                                      1               81,000.09                   0.03       10.070            355            90.00            90.00          616        45.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

WY                                                                      2              310,282.51                   0.12        8.045            357            80.00           100.00          634        43.70
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Number of States Represented: 48





15. Occupancy

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Occupancy                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Investment Property                                                    18           $2,678,731.14                  1.03%       9.354%            356           82.55%           82.69%          648       40.58%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Primary Residence                                                   1,524          254,581,032.55                  97.74        8.610            354            82.23            91.66          620        40.42
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Second Home                                                            22            3,195,608.14                   1.23        9.520            356            88.19            89.30          625        45.19
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





16. Property Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Property Type                                                       Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Single Family (Detached)                                            1,149         $183,970,169.96                 70.63%       8.632%            355           82.31%           90.92%          617       40.04%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Detached PUD                                                          212           38,158,377.94                  14.65        8.578            354            81.97            93.25          628        41.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Multifamily                                                            71           15,853,126.09                   6.09        8.601            354            81.54            91.25          633        41.83
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Under 5 Stories                                                  90           15,238,116.79                   5.85        8.630            354            82.99            93.38          635        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Attached PUD                                                           20            3,728,147.50                   1.43        8.855            357            83.67            94.91          621        43.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Townhouse/Rowhouse                                                     15            1,800,251.36                   0.69        8.682            354            85.23            92.66          617        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Condo Over 8 Stories                                                    4            1,120,168.21                   0.43        8.853            356            81.70            98.30          610        44.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mid-Rise Condo (5-8 Stories)                                            3              587,013.98                   0.23        9.696            357            90.67            96.40          591        39.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





17. Loan Purpose

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Loan Purpose                                                        Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Purchase                                                            1,150         $194,882,435.74                 74.82%       8.661%            354           83.84%           95.73%          626       40.69%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Cash Out                                                              346           56,159,460.18                  21.56        8.508            355            77.39            78.59          603        39.93
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Rate/Term                                                              66            9,202,806.85                   3.53        8.686            355            80.05            82.22          600        39.17
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Construction Permanent                                                  2              210,669.06                   0.08        8.265            358            81.16            81.16          595        44.52
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





18. Documentation Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Documentation Type                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Fast App                                                               79          $14,251,420.42                  5.47%       8.485%            353           83.83%           94.37%          618       37.96%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Full Documentation                                                    814          116,966,944.23                  44.91        8.431            355            82.32            90.68          604        39.72
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Lite Documentation                                                     30            4,299,253.74                   1.65        8.686            354            82.98            87.75          591        41.61
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Stated Documentation                                                  641          124,937,753.44                  47.97        8.829            354            82.10            92.15          637        41.43
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





19. Prepayment Penalty Terms (months)

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Prepayment Penalty Terms (months)                                   Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0                                                                     424          $68,023,143.22                 26.12%       8.946%            353           83.01%           90.65%          622       40.98%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6                                                                       3              441,180.02                   0.17        9.886            355            82.38            82.38          612        50.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12                                                                     69           15,221,363.52                   5.84        8.659            355            80.48            91.93          627        40.95
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

24                                                                    742          128,658,728.93                  49.40        8.476            355            82.60            93.17          620        40.88
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30                                                                      1              184,878.06                   0.07        7.325            355            80.00            95.00          629        26.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

36                                                                    315           46,918,244.08                  18.01        8.586            355            81.18            88.34          617        38.68
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

60                                                                     10            1,007,834.00                   0.39        7.951            348            78.06            90.20          627        30.62
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 0
Maximum: 60
Non-Zero Weighted Average: 26





20. Lien Type

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Lien Type                                                           Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1                                                                   1,421         $253,263,742.25                 97.24%       8.544%            356           81.81%           91.31%          620       40.41%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

2                                                                     143            7,191,629.58                   2.76       11.607            301            99.84            99.84          645        42.84
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





21. Credit Score Range

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Credit Score Range                                                  Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

501 - 525                                                              51           $5,587,142.85                  2.15%       9.579%            355           72.30%           72.30%          515       38.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

526 - 550                                                              82           10,595,304.90                   4.07        9.409            356            78.95            79.37          539        34.65
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

551 - 575                                                             137           20,087,159.06                   7.71        9.091            355            80.14            80.89          564        38.58
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

576 - 600                                                             261           37,046,089.17                  14.22        8.900            354            83.89            90.48          589        41.86
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

601 - 625                                                             392           65,772,978.38                  25.25        8.667            356            83.18            92.52          613        40.56
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

626 - 650                                                             328           60,717,091.94                  23.31        8.409            355            82.70            94.50          639        40.39
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

651 - 675                                                             196           35,468,148.24                  13.62        8.344            351            81.72            95.25          663        41.41
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

676 - 700                                                             113           24,385,381.26                   9.36        8.156            354            83.06            96.02          685        42.06
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

701 - 725                                                               1              319,650.43                   0.12        8.200            356            80.00           100.00          714        21.00
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

751 - 775                                                               3              476,425.60                   0.18        8.040            356            80.00            97.09          759        29.92
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 501
Maximum: 765
Weighted Average: 621





22. Back Ratio

- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                           % of Mortgage     Weighted       Weighted
                                                                                                            Loan Pool by      Average        Average                          Weighted
                                                                Number of               Aggregate              Aggregate        Gross      Remaining         Weighted          Average     Weighted     Weighted
                                                                 Mortgage            Cut-Off Date           Cut-Off Date     Interest           Term          Average         Combined      Average      Average
Back Ratio                                                          Loans       Principal Balance      Principal Balance         Rate        (months)    Original LTV     Original LTV         FICO          DTI
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

0.00 - 19.99                                                           90          $13,128,119.66                  5.04%       8.515%            355           80.47%           89.50%          606       12.05%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

20.00 - 24.99                                                          63            7,867,491.16                   3.02        8.646            354            80.23            87.68          617        21.99
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

25.00 - 29.99                                                          95           14,453,203.08                   5.55        8.577            355            80.08            86.23          611        26.98
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

30.00 - 34.99                                                         130           19,239,462.79                   7.39        8.560            355            81.80            88.98          620        32.14
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

35.00 - 39.99                                                         214           35,929,953.46                  13.80        8.608            355            82.55            92.00          621        37.18
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

40.00 - 44.99                                                         313           49,363,254.10                  18.95        8.685            355            82.37            90.78          621        42.11
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

45.00 - 49.99                                                         476           85,613,090.70                  32.87        8.670            354            82.89            93.23          626        47.08
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

50.00 - 54.99                                                         183           34,860,796.88                  13.38        8.567            355            82.90            93.25          617        50.45
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Total:                                                              1,564         $260,455,371.83                100.00%       8.629%            355           82.31%           91.54%          621       40.48%
- -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Minimum: 1.00
Maximum: 53.00
Weighted Average: 40.48

Carrington Mortgage Loan Trust, Series 2007-RFC1 Inactive FWPFree writing prospectus