99.1

Servicer's Statement of Compliance

The undersigned Officer certifies the following for the 2003 fiscal year.

(A) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the applicable Servicing Agreement,
Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide
and to the best of this Officer's knowledge, the Servicer has fulfilled all of
its duties, responsibilities or obligations under these Agreements throughout
such year, or if there has been a default or failure of the Servicer to
perform any of such duties, responsibilities or obligations, a description of
each default or failure and the nature and status thereof has been reported as
appropriate and is set forth below.

Exceptions: None.

(B) The Servicer is currently an approved FNMA (#23221-000-1) and FHLMC
(#298704) servicer in good standing;

(C)The Fidelity Bond and the Errors and Omissions Insurance Policy required
under the terms of the applicable Servicing Agreement, Trust Agreement,
Pooling And Servicing Agreement and/or Seller/Service Guide are currently in
the process of being renewed; a copy of the related declaration page
evidencing each such policy will follow under separate cover;

(D)All Custodial Accounts have been reconciled in accordance with the terms
of the applicable Servicing Agreement, Trust Agreement, Pooling and Servicing
Agreement and/or Seller/Servicer Guide;

(E)All information statements required to be filed pursuant to Internal
Revenue Code section 6050H, 6050J and/or 6050P have been timely filed; and

(F)The Servicer has a viable contingency plan to minimize financial loss and
disruptions of service to the institutions and customers it serves and to
ensure a timely resumption of operations in the event of a disaster.


This certification covers the period of January 1, 2003 through
December 31, 2003.




Ameriquest Mortgage Company
By: /s/: John P. Grazer
By:      John P. Grazer
Title:   Executive Vice President