Exhibit 99.6




                       GE CAPITAL MORTGAGE SERVICES, INC.
             OFFICERS' ANNUAL COMPLIANCE CERTIFICATE - SERIES 1997-6


         The undersigned,  Vice Presidents of GE Capital Mortgage Services, Inc.
(the "Servicer"), pursuant to the Pooling and Servicing Agreement for the Series
1997-6 REMIC Multi-Class  Mortgage  Pass-Through  Certificates (the "Agreement")
entered into by GE Capital Mortgage Services,  Inc., as Seller and Servicer, and
State Street Bank and Trust Company,  as Trustee,  which  Agreement  requires an
annual  statement of  compliance  to be made to the Trustee by an officer of the
Servicer, hereby state that:

     (i)  a review  of the  activities  of the  Servicer  during  the  preceding
          calendar year and of its performance under the Agreement has been made
          under the undersigned officers' supervision; and

     (ii) to the  best of the  undersigned  officers'  knowledge,  based on such
          review,  the Servicer has  fulfilled  all of its material  obligations
          under  the  Agreement  throughout  such  year,  except as set forth on
          Exhibit A hereto.

Capitalized  terms used  herein but not  defined  herein  shall have the meaning
given to them in the Agreement.


Dated:            March 25, 1998




By:      /s/ Gregory A. Gibson
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         Gregory A. Gibson
         Vice President


By:      /s/ Karen Pickett
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         Karen Pickett
         Vice President







                                    EXHIBIT A


         Flood Insurance.  There may be instances in which mortgage loans in the
CompanyOs   servicing  portfolio  which  did  not  require  flood  insurance  at
origination  were  subsequently  included  within  special flood hazard areas as
designated by the Federal  Emergency  Management  Agency and flood  insurance on
such mortgage loans may not yet be in place. The Company,  however, has arranged
for back-up flood insurance  coverage in the event of a flood loss relating to a
mortgaged  property  located in a special  flood  hazard  area.  The  Company is
continuing  a  remapping  effort  which  will  identify  mortgage  loans  in its
servicing  portfolio  which  may  now be (but  which  were  not at  origination)
included in special flood hazard  areas.  The Company is not aware of any losses
associated with the lack of flood insurance coverage on such mortgage loans.