EXHIBIT 31

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

            I, Robert McGinnis, certify that:

            l. I have reviewed this annual report on Form 10-K, and all reports
on Form 8-K containing distribution and servicing reports filed in respect of
periods included in the year covered by this annual report, of First Franklin
Mortgage Loan Trust 2005-FF4, Asset-Backed Certificates, Series 2005-FF4;

            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 in these reports 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: National City
Home Loan Services, Inc. and Deutsche Bank National Trust Company.

Date: March 30, 2006

                                    FINANCIAL ASSET SECURITIES CORP.

                                    By:    /s/ Robert McGinnis
                                           ----------------------------------
                                    Name:  Robert McGinnis
                                    Title: President