EXHIBIT NO. 23


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
            --------------------------------------------------------



We hereby consent to the incorporation by reference in the Prospectus Supplement
of Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates,
Series 2005-12 comprising part of the Registration Statement (No. 333-118843) of
Banc of America Mortgage Securities, Inc. of our report dated March 9, 2005,
relating to our audits of the consolidated financial statements of Assured
Guaranty Corp. (formerly known as ACE Guaranty Corp.) as of December 31, 2004
and 2003, and for each of the three years in the period ended December 31, 2004,
which appears as Exhibit 99.1 in Assured Guaranty Ltd's Annual Report on Form
10-K for the year ended December 31, 2004. We also consent to the reference to
our firm under the caption "Experts" in such Prospectus Supplement.


/s/ PricewaterhouseCooper, LLP

PricewaterhouseCoopers, LLP
New York, New York
December 27, 2005