Exhibit 31


CERTIFICATION TO BE PROVIDED BY THE SERVICER WITH FORM 10-K

CERTIFICATION

1. I have reviewed this annual report on Form 10-K, and all reports on
Form 8-K containing distribution or servicing reports filed in respect of
periods included in the year covered by this annual report, of Home Loan
Mortgage Loan Trust 2004-2;

2. Based on my knowledge, the information in these reports, taken as a
whole, does not contain any untrue statement of a material fact or omit to
state a material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading as of the
last day of the period covered by this annual report;

3. Based on my knowledge, the distribution or servicing information
required to be provided to the trustee by the servicer under the pooling
and servicing, or similar, agreement, for inclusion is included in these
reports;

4. Based on my knowledge and upon the annual compliance statement included
in the report and required to be delivered to the trustee in accordance
with the terms of the pooling and servicing, or similar, agreement, and
except as disclosed in the reports, the servicer has fulfilled its
obligations under the servicing agreement; and

5. The reports disclose all significant deficiencies relating to the
servicer's compliance with the minimum servicing standards based upon
the report provided by an independent public accountant, after
conducting a review in compliance with the Uniform Single Attestation
Program for Mortgage Bankers or similar procedure, as set forth in the
pooling and servicing, or similar, agreement, that is included in these
reports.


In giving the certifications above, I have reasonably relied on information
provided to me by the following unaffiliated parties: Deutsche Bank National
Trust Company.

Ocean Bank, F.S.B. (formerly known as
HOME LOAN AND INVESTMENT BANK, F.S.B.)

/s/: John M. Murphy
Name:  John M. Murphy
Title:  President
Date:  March 15, 2005